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#000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Prospectus</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:456pt;table-layout:auto;"> <tr style="height:95pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For a Full Surrender or Partial Surrender, for up to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">15</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years from the date </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Policy and up to 15 years from each increase in Specified Amount, </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you could pay a Surrender Charge of up to $52.25 (</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5.225</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%) per $1,000 </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Specified Amount.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if your Policy has a Specified Amount of $100,000 and you </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">surrender your Policy or take an early withdrawal, you could be assessed </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a charge of up to $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5,225</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Fees</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:456pt;table-layout:auto;"> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">In addition to Surrender Charges, you may also be charged for other </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transactions, such as when you make a Premium Payment, transfer </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy Value between Sub-Accounts, take a Partial Surrender or exercise </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">certain benefits.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Fees</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:456pt;table-layout:auto;"> <tr style="height:159pt;"> <td rowspan="4" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(annual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">In addition to Surrender Charges and transaction charges, there are </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">certain ongoing fees and expenses that are charged annually, monthly </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">or daily.</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">These fees include the Cost of Insurance Charge under the Policy, </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">optional benefit charges, Administrative Fees, mortality and expense </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">risk charges and Policy Loan Interest.</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Certain fees are set based on characteristics of the Insured (e.g., age, </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">gender, and rating classification). You should review your Policy </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Specifications page for rates applicable to you.</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Owners will also bear expenses associated with the Underlying Funds </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">under the Policy, as shown in the following table:</span></div></div></td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:1.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Fees</span></div></div></td></tr> <tr style="height:21pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Underlying Fund Fees and Expenses*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:66pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:normal;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:66pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:normal;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.88%</span></div></div></div></td></tr> <tr style="height:14pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.125pt;padding-top:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">*</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">As a percentage of Underlying Fund assets.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:456pt;table-layout:auto;"> <tr style="height:95pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges for </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For a Full Surrender or Partial Surrender, for up to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">15</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years from the date </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Policy and up to 15 years from each increase in Specified Amount, </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you could pay a Surrender Charge of up to $52.25 (</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5.225</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%) per $1,000 </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Specified Amount.</span></div></div> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if your Policy has a Specified Amount of $100,000 and you </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">surrender your Policy or take an early withdrawal, you could be assessed </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a charge of up to $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5,225</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Fees</span></div></div></td></tr></table> 15 0.05225 5225 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:456pt;table-layout:auto;"> <tr style="height:53pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">In addition to Surrender Charges, you may also be charged for other </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transactions, such as when you make a Premium Payment, transfer </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy Value between Sub-Accounts, take a Partial Surrender or exercise </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">certain benefits.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Fees</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:456pt;table-layout:auto;"> <tr style="height:159pt;"> <td rowspan="4" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(annual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">In addition to Surrender Charges and transaction charges, there are </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">certain ongoing fees and expenses that are charged annually, monthly </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">or daily.</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">These fees include the Cost of Insurance Charge under the Policy, </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">optional benefit charges, Administrative Fees, mortality and expense </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">risk charges and Policy Loan Interest.</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Certain fees are set based on characteristics of the Insured (e.g., age, </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">gender, and rating classification). You should review your Policy </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Specifications page for rates applicable to you.</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Owners will also bear expenses associated with the Underlying Funds </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">under the Policy, as shown in the following table:</span></div></div></td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:1.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Fees</span></div></div></td></tr> <tr style="height:21pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Underlying Fund Fees and Expenses*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:66pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:normal;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:66pt;"> <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:54pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:normal;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.88%</span></div></div></div></td></tr> <tr style="height:14pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.125pt;padding-top:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">*</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">As a percentage of Underlying Fund assets.</span></div></div></td></tr></table> 0.0023 0.0288 <span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">As a percentage of Underlying Fund assets.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:28pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Prospectus</span></div></div></td></tr> <tr style="height:57pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk of Loss</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Policy, including loss of </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">principal.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Principal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Investing in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">the Policy</span></div></div></td></tr> <tr style="height:97.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not a Short-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Investment</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">This Policy is not a short-term investment vehicle and is not </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">appropriate for an investor who needs ready access to cash.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Surrender Charges apply for 15 years from the Policy Date and 15 </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">years from the date of any increase in your Specified Amount.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Charges may reduce the value of your Policy and death benefit.</span></div></div> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Tax deferral is more beneficial to investors with a long-time horizon.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Principal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Investing in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">the Policy</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:99pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated with </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">An investment in the Policy is subject to the risk of poor investment </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">performance of the investment options. Performance can vary </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">depending on the performance of the investment options available </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">under the Policy.</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Each investment option (including a Fixed Account investment option) </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">has its own unique risks. You should review each Underlying Fund’s </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">prospectus before making an investment decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Principal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Investing in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">the Policy</span></div></div></td></tr> <tr style="height:159pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Company Risks</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Any obligations, guarantees, and benefits of the contract including the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Fixed Account investment option are subject to the claims-paying </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">ability of Lincoln Life. If Lincoln Life experiences financial distress, it </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">may not be able to meet its obligations to you. More information about </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Lincoln Life, including its financial strength ratings, is available upon </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">request from Lincoln Life by calling 1-800-487-1485 or by visiting </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">https://www.lfg.com/public/aboutus/investorrelations/</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">financialinformation.</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">You may obtain our audited statutory financial statements, any </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">unaudited statutory financial statements that may be available as well </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">as ratings information by visiting our website at www.lfg.com/</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">VULprospectus.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Principal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Investing in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">the Policy</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Lincoln Life, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">the Separate </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Account and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">the General </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Account</span></div></div></td></tr> <tr style="height:97.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:78pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Policy Lapse</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:300pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Sufficient Premiums must be paid to keep your Policy in force. There </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">is a risk of lapse if Premiums are too small in relation to the insurance </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">amount and if investment results of the Sub-Accounts you have </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">chosen are adverse or are less favorable than anticipated.</span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Outstanding Policy Loans (plus interest) and Partial Surrenders will </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">increase the risk of lapse. The death benefit will not be paid if the </span></div> <div style="margin-left:5.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Policy has Lapsed.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:78pt;border-right:0.5pt solid #000000;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Principal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Investing in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">the Policy</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:2.3pt;">Lapse and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9pt;">Reinstatement</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Policy, including loss of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">principal.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">This Policy is not a short-term investment vehicle and is not </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">appropriate for an investor who needs ready access to cash.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Surrender Charges apply for 15 years from the Policy Date and 15 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">years from the date of any increase in your Specified Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Charges may reduce the value of your Policy and death benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Tax deferral is more beneficial to investors with a long-time horizon.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">An investment in the Policy is subject to the risk of poor investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">performance of the investment options. Performance can vary </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">depending on the performance of the investment options available </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">under the Policy.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Each investment option (including a Fixed Account investment option) </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">has its own unique risks. You should review each Underlying Fund’s </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">prospectus before making an investment decision.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Any obligations, guarantees, and benefits of the contract including the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Fixed Account investment option are subject to the claims-paying </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">ability of Lincoln Life. If Lincoln Life experiences financial distress, it </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">may not be able to meet its obligations to you. More information about </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Lincoln Life, including its financial strength ratings, is available upon </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">request from Lincoln Life by calling 1-800-487-1485 or by visiting </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">https://www.lfg.com/public/aboutus/investorrelations/</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">financialinformation.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">You may obtain our audited statutory financial statements, any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">unaudited statutory financial statements that may be available as well </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">as ratings information by visiting our website at www.lfg.com/</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">VULprospectus.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Sufficient Premiums must be paid to keep your Policy in force. There </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">is a risk of lapse if Premiums are too small in relation to the insurance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">amount and if investment results of the Sub-Accounts you have </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">chosen are adverse or are less favorable than anticipated.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Outstanding Policy Loans (plus interest) and Partial Surrenders will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">increase the risk of lapse. The death benefit will not be paid if the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Policy has Lapsed.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">We reserve the right to charge for each transfer between Sub-</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Accounts in excess of 24 transfers per year.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">We reserve the right to add, remove, or substitute Sub-Accounts as </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">investment options under the Policy, subject to state or federal laws </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">and regulations. An Underlying Fund may be merged into another </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Underlying Fund. An Underlying Fund may discontinue offering their </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">shares to the Sub-Accounts.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">There are significant limitations on your right to transfer amounts in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">the Fixed Account and, due to these limitations, if you want to transfer </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">the entire balance of the Fixed Account to one or more Sub-Accounts, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">it may take several years to do so.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">We may impose investment constraints and restrictions on the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">standard No-Lapse Enhancement Rider, which is automatically </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">included with your Policy for no additional charge. For applications </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">received on or after May 15, 2023, your Policy will be subject to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">significant allocation restrictions so long as the standard No-Lapse </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Enhancement Rider remains in effect. If you do not wish to be subject </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">to those restrictions, you must terminate the rider, but terminating the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">rider will cause you to lose that standard benefit.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Riders may alter the benefits or charges in your Policy. Rider </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">availability and benefits may vary by state of issue or selling broker-</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">dealer and their election may have tax consequences. Riders may have </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">restrictions or limitations, and we may modify or terminate a rider, as </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">allowed. If you elect a particular rider, it may restrict or enhance the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">terms of your policy, or restrict the availability or terms of other riders </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">or Policy features.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">You should always consult with a tax professional to determine the tax </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">implications of an investment in and payments received under the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Policy.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Withdrawals will be subject to ordinary income tax, and may be </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">subject to tax penalties.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">There is no additional tax benefit to you if the Policy is purchased </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">through a tax-qualified plan or individual retirement account (IRA).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Investment professionals typically receive compensation for selling the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Policy to investors.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Registered representatives may have a financial incentive to offer or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">recommend the Policy over another investment for which the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">investment professional is not compensated (or compensated less).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Registered representatives may be eligible for certain cash and non-</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">cash benefits. Cash compensation includes bonuses and allowances </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">based on factors such as sales, productivity and persistency. Non-</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">cash compensation includes various recognition items such as prizes </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">and awards as well as attendance at, and payment of the costs </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">associated with attendance at, conferences, seminars and recognition </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">trips, and also includes contributions to certain individual plans such </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">as pension and medical plans.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to offer </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you a new contract in place of the one you already own. You should only </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exchange your Policy if you determine, after comparing the features, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees, and risks of both policies, that it is preferable for you to purchase </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the new policy rather than continue to own the existing policy.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Fee Table</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Policy. Please refer to your Policy Specifications for information about the specific fees you will pay each year based on the options you have elected.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The fees shown in the tables below are the maximums we can charge.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Transaction Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The first table describes the fees and expenses that you will pay at the time that you buy your Policy, surrender or make withdrawals from your Policy, or transfer cash value between Sub-Accounts.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">When Charge</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">is Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Sales Charge </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Imposed on Premiums </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Load)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you pay a Premium</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a percentage of the Premium </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payment paid:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% in all Policy Years</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Tax</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you pay a Premium</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Up to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% charge included in the Sales </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charges included in the Premium </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Load)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:33pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Deferred Sales </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge (Load)*</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you take a Full Surrender or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce the Specified Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3,4</span><div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge: $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">52.25</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">$1,000 of Specified Amount</span></div></div></td></tr> <tr style="height:69pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco, in year </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">one): $34.29 per $1,000 of Specified </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Amount</span></div></div></td></tr> <tr style="height:39.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Applied to any transfer request in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">excess of 24 made during any Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Year</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> for each additional transfer</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">*</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charge varies based on individual characteristics of the Insured. The charges and costs shown in the table may not be representative of the charges and costs that a particular Owner will pay. You may obtain more information about the particular charges that would apply to you by requesting a personalized policy illustration from your registered representative.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For applications received prior to May 15, 2023, the Maximum Sales Charge Imposed on Premiums (Load), when you pay a Premium will continue to be the following: guaranteed 10% in Policy Years 1–20 and 3% in Policy Years 21+.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Maximum Sales Charge Imposed on Premiums is anticipated to cover the Company's costs for sales expenses and any policy-related state tax liabilities. Policy-related taxes imposed by states range from 0% to 5%. In considering policy-related state taxes component of the sales charge, the Company considers the average of the taxes imposed by the states rather than any taxes specifically imposed by the state in which the Owner resides. We use an average of 2% to account for state tax obligations.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">During the life of the Policy, you may request one or more Partial Surrenders, each of which may not exceed 90% of your Policy's Surrender Value as of the date of your request. If you wish to surrender more than 90% of your Policy's Surrender Value, you must request a Full Surrender of your Policy, which is subject to the Surrender Charge reflected in the table above. (See section headed “Partial Surrenders” for a discussion of Partial Surrenders of your Policy.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For up to 15 years from the Policy Date and up to 15 years from the effective date of each increase in Specified Amount, a Surrender Charge will be deducted at the time you effect a Full Surrender of your Policy. For up to 15 years from the Policy Date or up to 15 years from the effective date of each increase in Specified Amount, a Surrender Charge may be deducted at the time you effect a Reduction in Specified Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Periodic Charges Other Than Annual Underlying Fund Fees and Operating Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The next table describes the fees and expenses that you will pay periodically during the time that you own the Policy, not including Underlying Fund fees and operating expenses.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:21pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:456.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Base Contract Charges</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cost of Insurance*</span></div></div></td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a dollar amount per $1,000 of Net </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount at Risk</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">83.3333</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.00667</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco, in year </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">one): $0.21171 per $1,000</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge (“M&amp;E”)</span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">At end of each Valuation Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a percentage of Separate Account </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value, calculated monthly:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1.15</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% (annual rate) in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Policy Years 1-10</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.45</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% (annual rate) in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Policy Years 11 and beyond</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Administrative Fee*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum of $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">15</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, plus an additional </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">amount up to a maximum of $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5.25</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$1,000 of Initial Specified Amount or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">increase in Specified Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy Loan Interest</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annually</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As an annualized percentage of amount </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">held in the Loan Account</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Interest on Accelerated </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Lien</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annually</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%, as an annualized percentage of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefit up to Surrender </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value, plus additional amount of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">variable interest as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefit exceeding </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Overloan Protection Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Upon use of the benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">One-time charge subject to a maximum </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%, as a percentage of current </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accumulation Value</span></div></div></td></tr> <tr style="height:21pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:456.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Optional Benefit Charges</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Basic Accelerated Benefits </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6</span><div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Upon any payment of the rider benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">250</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, deducted from the benefit </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">payment</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhanced Surrender Value </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly (in Policy Years 2-5 only)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.0625</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000 of Initial Specified </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserve Rider</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you allocate a Premium Payment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to this rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a percentage of the Premium </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payment allocated to this rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">7</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">10</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% in Policy Years 1-20</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% in Policy Years 21 and beyond</span></div></div></td></tr> <tr style="height:41pt;"> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln LifeEnhance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider</span></div></div></td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a dollar amount per $1,000 of Net </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount at Risk or Rider Net Amount at </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Risk, as applicable:</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">8</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">59.98</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.40</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco, in year </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">one): $1.03 per $1,000</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln LifeAssure</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Upon any payment of the rider benefit</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">250</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, deducted from the benefit </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:41pt;"> <td rowspan="8" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care Rider*</span></div></div></td> <td rowspan="8" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Administrative LTC Rider Fee for the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">first 10 Policy Years from the Policy </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.035</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.002</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45): $0.008 per $1,000</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Plus a dollar amount per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider Net Amount at Risk</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1.78123</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.00165</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, 2% Maximum Monthly LTC </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Benefit Percentage, in year one): </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">$0.00211 per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bonus Rider</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.208333</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Deduction Rider</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">10</span></div></div></td> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rate factor as a percentage of all other </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">covered monthly charges:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">12</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr> <tr style="height:39.5pt;"> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco): 3.5%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">*</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charge varies based on individual characteristics of the Insured. The charges and costs shown in the table may not be representative of the charges and costs that a particular Owner will pay. You may obtain more information about the particular charges that would apply to you by requesting a personalized policy illustration from your registered representative.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Individuals with a higher mortality risk than standard issue individuals can be charged from 125% to 800% of the standard rate. However, under no circumstances would the charge be higher than the maximum amount shown.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed at an effective annual rate of 1.15% in Policy Years 1-10 and 0.45% in Policy Years 11 and beyond.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;">The duration of the additional amount varies by when the application was received. For applications received on or after November 13, 2023, the additional amount applies in all Policy Years (up to Attained Age 121). For applications received between May 15, 2023 and November 12, 2023, the additional amount applies for the first 20 Policy Years from the Policy Date or any increase in Specified Amount. For applications received prior to May 15, 2023, the additional amount applies for the first 10 Policy Years from the Policy Date or any increase in Specified Amount. For all applications, the additional amount varies based on individual Insured characteristics. The</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">maximum additional amount is $5.25 per $1,000, the minimum amount is $0.04167 per $1,000, and the maximum charge for a representative Insured (male, age 45, standard non-tobacco) is $0.22 per $1,000.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Although deducted annually, interest accrues daily. When you request a Policy Loan, amounts equal to the amount of the loan you request are withdrawn from the Sub-Accounts and the Fixed Account in proportion to their respective values. Such amount is transferred to the Loan Account, which is part of the Company’s General Account. Amounts in the Loan Account are credited interest at an effective annual rate guaranteed not to be less than 5% in Policy Years 1-10 and 6% in Policy Years 11 and beyond.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">5</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under the Basic Accelerated Benefits Riders, payments of benefits are considered as liens and are charged interest as shown. Variable interest shall be at a rate not to exceed higher of (i) published monthly average of Moody’s Corporate Bond Yield Average - Monthly Average Corporates (determined 30 days in advance of beginning of Policy Year) and (ii) the rate used to compute the Accumulation Value of the Fixed Account plus 1%. Although deducted annually, interest accrues daily. When you request an Accelerated Benefit, amounts equal to the amount of the Accelerated Benefit you request are withdrawn from the Sub-Accounts and the Fixed Account in proportion to their respective values. Such amount is transferred to the Loan Account, which is part of the Company’s General Account. Amounts in the Loan Account are credited interest at an effective annual rate guaranteed not to be less than 5% in Policy Years 1-10 and 6% in Policy Years 11 and beyond.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">There are two versions of this rider. The payment of a benefit under either version of the rider is considered a loan against the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">7</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Allocations of Premium Payments to the rider are at your discretion. Allocations of Premium Payments to the rider are subject to the charge shown in the Periodic Charges Other than Annual Underlying Fund Fees and Operating Expenses table and are not subject to the “Maximum Sales Charge Imposed on Premiums Paid”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">shown in the Transaction Fees table. This charge is called the Premium Reserve Rider Premium Load. Rider Accumulation Value allocated to the Separate Account is subject to the Mortality and Expense Risk Charge (which does not exceed 1.15% for Policy Year 1-10 and 0.45% in Policy Years 11 and beyond).</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">8</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Individuals with higher mortality risk than standard issue individuals can be charged from 125% to 200% of the standard rate. However, under no circumstances would the charge be higher than the maximum amount shown.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">9</span><span style="font-family:Arial Narrow;font-size:10pt;">This rider is not available for applications received on or after November 13, 2023.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">10</span><span style="font-family:Arial Narrow;font-size:10pt;">These charges and costs vary based on individual characteristics of the Insured. The charges and costs shown in the tables may not be representative of the charges and costs that a particular Owner will pay. You may obtain more information about the particular charges, cost of insurance, and the cost of certain riders that would apply to you by requesting a personalized policy illustration from your registered representative.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the Underlying Funds that you may pay periodically during the time that you own the Policy. A complete list of Underlying Funds available under the Policy, including their annual expenses, may be found in Appendix A: Funds Available Under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:352.05pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Fund Expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50.89pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:53.05pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:352.05pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses are deducted from fund assets, including management fees, distribution, </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and/or 12b-1 fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:50.89pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:38.89pt;"> <div style="display:flex;margin-left:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:53.05pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:3pt;text-align:right;width:40.55pt;"> <div style="display:flex;margin-left:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.88%*</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">*</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Total Annual Operating Expenses shown in the table do not reflect waivers and reductions. Refer to the Underlying Fund’s prospectus for specific information on any waivers or reductions in effect.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">When Charge</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">is Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Sales Charge </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Imposed on Premiums </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Load)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you pay a Premium</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a percentage of the Premium </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payment paid:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% in all Policy Years</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Tax</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you pay a Premium</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Up to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% charge included in the Sales </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charges included in the Premium </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Load)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:33pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Deferred Sales </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge (Load)*</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you take a Full Surrender or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce the Specified Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3,4</span><div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge: $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">52.25</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">$1,000 of Specified Amount</span></div></div></td></tr> <tr style="height:69pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco, in year </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">one): $34.29 per $1,000 of Specified </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Amount</span></div></div></td></tr> <tr style="height:39.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Applied to any transfer request in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">excess of 24 made during any Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Year</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> for each additional transfer</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">*</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charge varies based on individual characteristics of the Insured. The charges and costs shown in the table may not be representative of the charges and costs that a particular Owner will pay. You may obtain more information about the particular charges that would apply to you by requesting a personalized policy illustration from your registered representative.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For applications received prior to May 15, 2023, the Maximum Sales Charge Imposed on Premiums (Load), when you pay a Premium will continue to be the following: guaranteed 10% in Policy Years 1–20 and 3% in Policy Years 21+.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Maximum Sales Charge Imposed on Premiums is anticipated to cover the Company's costs for sales expenses and any policy-related state tax liabilities. Policy-related taxes imposed by states range from 0% to 5%. In considering policy-related state taxes component of the sales charge, the Company considers the average of the taxes imposed by the states rather than any taxes specifically imposed by the state in which the Owner resides. We use an average of 2% to account for state tax obligations.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">During the life of the Policy, you may request one or more Partial Surrenders, each of which may not exceed 90% of your Policy's Surrender Value as of the date of your request. If you wish to surrender more than 90% of your Policy's Surrender Value, you must request a Full Surrender of your Policy, which is subject to the Surrender Charge reflected in the table above. (See section headed “Partial Surrenders” for a discussion of Partial Surrenders of your Policy.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For up to 15 years from the Policy Date and up to 15 years from the effective date of each increase in Specified Amount, a Surrender Charge will be deducted at the time you effect a Full Surrender of your Policy. For up to 15 years from the Policy Date or up to 15 years from the effective date of each increase in Specified Amount, a Surrender Charge may be deducted at the time you effect a Reduction in Specified Amount.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Sales Charge </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Imposed on Premiums </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Load)</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you pay a Premium</span> 0.25 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Tax</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you pay a Premium</span> 0.02 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Deferred Sales </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge (Load)*</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you take a Full Surrender or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce the Specified Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3,4</span> 0.5225 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco, in year </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">one): $34.29 per $1,000 of Specified </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charge varies based on individual characteristics of the Insured. The charges and costs shown in the table may not be representative of the charges and costs that a particular Owner will pay. You may obtain more information about the particular charges that would apply to you by requesting a personalized policy illustration from your registered representative.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">During the life of the Policy, you may request one or more Partial Surrenders, each of which may not exceed 90% of your Policy's Surrender Value as of the date of your request. If you wish to surrender more than 90% of your Policy's Surrender Value, you must request a Full Surrender of your Policy, which is subject to the Surrender Charge reflected in the table above. (See section headed “Partial Surrenders” for a discussion of Partial Surrenders of your Policy.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For up to 15 years from the Policy Date and up to 15 years from the effective date of each increase in Specified Amount, a Surrender Charge will be deducted at the time you effect a Full Surrender of your Policy. For up to 15 years from the Policy Date or up to 15 years from the effective date of each increase in Specified Amount, a Surrender Charge may be deducted at the time you effect a Reduction in Specified Amount.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Applied to any transfer request in </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">excess of 24 made during any Policy </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Year</span> 25 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For applications received prior to May 15, 2023, the Maximum Sales Charge Imposed on Premiums (Load), when you pay a Premium will continue to be the following: guaranteed 10% in Policy Years 1–20 and 3% in Policy Years 21+.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Maximum Sales Charge Imposed on Premiums is anticipated to cover the Company's costs for sales expenses and any policy-related state tax liabilities. Policy-related taxes imposed by states range from 0% to 5%. In considering policy-related state taxes component of the sales charge, the Company considers the average of the taxes imposed by the states rather than any taxes specifically imposed by the state in which the Owner resides. We use an average of 2% to account for state tax obligations.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Periodic Charges Other Than Annual Underlying Fund Fees and Operating Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The next table describes the fees and expenses that you will pay periodically during the time that you own the Policy, not including Underlying Fund fees and operating expenses.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:21pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:456.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Base Contract Charges</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cost of Insurance*</span></div></div></td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a dollar amount per $1,000 of Net </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount at Risk</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">83.3333</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.00667</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco, in year </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">one): $0.21171 per $1,000</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge (“M&amp;E”)</span></div></div></td> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">At end of each Valuation Period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a percentage of Separate Account </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value, calculated monthly:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1.15</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% (annual rate) in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Policy Years 1-10</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.45</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% (annual rate) in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Policy Years 11 and beyond</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Administrative Fee*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum of $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">15</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, plus an additional </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">amount up to a maximum of $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5.25</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$1,000 of Initial Specified Amount or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">increase in Specified Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy Loan Interest</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annually</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As an annualized percentage of amount </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">held in the Loan Account</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Interest on Accelerated </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Lien</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annually</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%, as an annualized percentage of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefit up to Surrender </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value, plus additional amount of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">variable interest as a percentage of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefit exceeding </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Overloan Protection Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Upon use of the benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">One-time charge subject to a maximum </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%, as a percentage of current </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accumulation Value</span></div></div></td></tr> <tr style="height:21pt;"> <td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:456.0pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Optional Benefit Charges</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Basic Accelerated Benefits </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6</span><div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Upon any payment of the rider benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">250</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, deducted from the benefit </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">payment</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhanced Surrender Value </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly (in Policy Years 2-5 only)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.0625</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000 of Initial Specified </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserve Rider</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you allocate a Premium Payment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to this rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a percentage of the Premium </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payment allocated to this rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">7</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">10</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% in Policy Years 1-20</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">3</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% in Policy Years 21 and beyond</span></div></div></td></tr> <tr style="height:41pt;"> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln LifeEnhance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider</span></div></div></td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">As a dollar amount per $1,000 of Net </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount at Risk or Rider Net Amount at </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Risk, as applicable:</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">8</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">59.98</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.40</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco, in year </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">one): $1.03 per $1,000</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln LifeAssure</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Upon any payment of the rider benefit</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">250</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, deducted from the benefit </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:168pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:41pt;"> <td rowspan="8" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care Rider*</span></div></div></td> <td rowspan="8" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Administrative LTC Rider Fee for the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">first 10 Policy Years from the Policy </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.035</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.002</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45): $0.008 per $1,000</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Plus a dollar amount per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider Net Amount at Risk</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1.78123</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.00165</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, 2% Maximum Monthly LTC </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Benefit Percentage, in year one): </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">$0.00211 per $1,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bonus Rider</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0.208333</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr> <tr style="height:29pt;"> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Deduction Rider</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">10</span></div></div></td> <td rowspan="4" style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rate factor as a percentage of all other </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">covered monthly charges:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum: </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">12</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Minimum: </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr> <tr style="height:39.5pt;"> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco): 3.5%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">*</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charge varies based on individual characteristics of the Insured. The charges and costs shown in the table may not be representative of the charges and costs that a particular Owner will pay. You may obtain more information about the particular charges that would apply to you by requesting a personalized policy illustration from your registered representative.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Individuals with a higher mortality risk than standard issue individuals can be charged from 125% to 800% of the standard rate. However, under no circumstances would the charge be higher than the maximum amount shown.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed at an effective annual rate of 1.15% in Policy Years 1-10 and 0.45% in Policy Years 11 and beyond.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;">The duration of the additional amount varies by when the application was received. For applications received on or after November 13, 2023, the additional amount applies in all Policy Years (up to Attained Age 121). For applications received between May 15, 2023 and November 12, 2023, the additional amount applies for the first 20 Policy Years from the Policy Date or any increase in Specified Amount. For applications received prior to May 15, 2023, the additional amount applies for the first 10 Policy Years from the Policy Date or any increase in Specified Amount. For all applications, the additional amount varies based on individual Insured characteristics. The</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">maximum additional amount is $5.25 per $1,000, the minimum amount is $0.04167 per $1,000, and the maximum charge for a representative Insured (male, age 45, standard non-tobacco) is $0.22 per $1,000.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">4</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Although deducted annually, interest accrues daily. When you request a Policy Loan, amounts equal to the amount of the loan you request are withdrawn from the Sub-Accounts and the Fixed Account in proportion to their respective values. Such amount is transferred to the Loan Account, which is part of the Company’s General Account. Amounts in the Loan Account are credited interest at an effective annual rate guaranteed not to be less than 5% in Policy Years 1-10 and 6% in Policy Years 11 and beyond.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">5</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under the Basic Accelerated Benefits Riders, payments of benefits are considered as liens and are charged interest as shown. Variable interest shall be at a rate not to exceed higher of (i) published monthly average of Moody’s Corporate Bond Yield Average - Monthly Average Corporates (determined 30 days in advance of beginning of Policy Year) and (ii) the rate used to compute the Accumulation Value of the Fixed Account plus 1%. Although deducted annually, interest accrues daily. When you request an Accelerated Benefit, amounts equal to the amount of the Accelerated Benefit you request are withdrawn from the Sub-Accounts and the Fixed Account in proportion to their respective values. Such amount is transferred to the Loan Account, which is part of the Company’s General Account. Amounts in the Loan Account are credited interest at an effective annual rate guaranteed not to be less than 5% in Policy Years 1-10 and 6% in Policy Years 11 and beyond.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">There are two versions of this rider. The payment of a benefit under either version of the rider is considered a loan against the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">7</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Allocations of Premium Payments to the rider are at your discretion. Allocations of Premium Payments to the rider are subject to the charge shown in the Periodic Charges Other than Annual Underlying Fund Fees and Operating Expenses table and are not subject to the “Maximum Sales Charge Imposed on Premiums Paid”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">shown in the Transaction Fees table. This charge is called the Premium Reserve Rider Premium Load. Rider Accumulation Value allocated to the Separate Account is subject to the Mortality and Expense Risk Charge (which does not exceed 1.15% for Policy Year 1-10 and 0.45% in Policy Years 11 and beyond).</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">8</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Individuals with higher mortality risk than standard issue individuals can be charged from 125% to 200% of the standard rate. However, under no circumstances would the charge be higher than the maximum amount shown.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">9</span><span style="font-family:Arial Narrow;font-size:10pt;">This rider is not available for applications received on or after November 13, 2023.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">10</span><span style="font-family:Arial Narrow;font-size:10pt;">These charges and costs vary based on individual characteristics of the Insured. The charges and costs shown in the tables may not be representative of the charges and costs that a particular Owner will pay. You may obtain more information about the particular charges, cost of insurance, and the cost of certain riders that would apply to you by requesting a personalized policy illustration from your registered representative.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cost of Insurance*</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span> 0.833333 0.0000667 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco, in year </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">one): $0.21171 per $1,000</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge (“M&amp;E”)</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">At end of each Valuation Period</span> 0.0115 0.0045 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Administrative Fee*</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span> 15 0.0525 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy Loan Interest</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annually</span> 0.06 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Interest on Accelerated </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Lien</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annually</span> 0.06 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Overloan Protection Rider</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Upon use of the benefit</span> 0.03 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Basic Accelerated Benefits </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Riders</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Upon any payment of the rider benefit</span> 250 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhanced Surrender Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly (in Policy Years 2-5 only)</span> 0.000625 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserve Rider</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you allocate a Premium Payment </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to this rider</span> 0.10 0.03 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln LifeEnhance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span> 0.5998 0.0040 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco, in year </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">one): $1.03 per $1,000</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln LifeAssure</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Upon any payment of the rider benefit</span> 250 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care Rider*</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span> 0.00035 0.00002 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45): $0.008 per $1,000</span> 0.0178123 0.0000165 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, 2% Maximum Monthly LTC </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Benefit Percentage, in year one): </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">$0.00211 per $1,000</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bonus Rider</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span> 0.00208333 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Deduction Rider</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">10</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span> 0.12 0.02 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum Charge for a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (male, age </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard non-tobacco): 3.5%</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Individuals with a higher mortality risk than standard issue individuals can be charged from 125% to 800% of the standard rate. However, under no circumstances would the charge be higher than the maximum amount shown.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed at an effective annual rate of 1.15% in Policy Years 1-10 and 0.45% in Policy Years 11 and beyond.</span> <span style="font-family:Arial Narrow;font-size:10pt;">The duration of the additional amount varies by when the application was received. For applications received on or after November 13, 2023, the additional amount applies in all Policy Years (up to Attained Age 121). For applications received between May 15, 2023 and November 12, 2023, the additional amount applies for the first 20 Policy Years from the Policy Date or any increase in Specified Amount. For applications received prior to May 15, 2023, the additional amount applies for the first 10 Policy Years from the Policy Date or any increase in Specified Amount. For all applications, the additional amount varies based on individual Insured characteristics. The</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">maximum additional amount is $5.25 per $1,000, the minimum amount is $0.04167 per $1,000, and the maximum charge for a representative Insured (male, age 45, standard non-tobacco) is $0.22 per $1,000.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Although deducted annually, interest accrues daily. When you request a Policy Loan, amounts equal to the amount of the loan you request are withdrawn from the Sub-Accounts and the Fixed Account in proportion to their respective values. Such amount is transferred to the Loan Account, which is part of the Company’s General Account. Amounts in the Loan Account are credited interest at an effective annual rate guaranteed not to be less than 5% in Policy Years 1-10 and 6% in Policy Years 11 and beyond.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">There are two versions of this rider. The payment of a benefit under either version of the rider is considered a loan against the Policy.</span><span style="font-family:Arial Narrow;font-size:10pt;">This rider is not available for applications received on or after November 13, 2023.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under the Basic Accelerated Benefits Riders, payments of benefits are considered as liens and are charged interest as shown. Variable interest shall be at a rate not to exceed higher of (i) published monthly average of Moody’s Corporate Bond Yield Average - Monthly Average Corporates (determined 30 days in advance of beginning of Policy Year) and (ii) the rate used to compute the Accumulation Value of the Fixed Account plus 1%. Although deducted annually, interest accrues daily. When you request an Accelerated Benefit, amounts equal to the amount of the Accelerated Benefit you request are withdrawn from the Sub-Accounts and the Fixed Account in proportion to their respective values. Such amount is transferred to the Loan Account, which is part of the Company’s General Account. Amounts in the Loan Account are credited interest at an effective annual rate guaranteed not to be less than 5% in Policy Years 1-10 and 6% in Policy Years 11 and beyond.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Allocations of Premium Payments to the rider are at your discretion. Allocations of Premium Payments to the rider are subject to the charge shown in the Periodic Charges Other than Annual Underlying Fund Fees and Operating Expenses table and are not subject to the “Maximum Sales Charge Imposed on Premiums Paid”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">shown in the Transaction Fees table. This charge is called the Premium Reserve Rider Premium Load. Rider Accumulation Value allocated to the Separate Account is subject to the Mortality and Expense Risk Charge (which does not exceed 1.15% for Policy Year 1-10 and 0.45% in Policy Years 11 and beyond).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Individuals with higher mortality risk than standard issue individuals can be charged from 125% to 200% of the standard rate. However, under no circumstances would the charge be higher than the maximum amount shown.</span> <span style="font-family:Arial Narrow;font-size:10pt;">These charges and costs vary based on individual characteristics of the Insured. The charges and costs shown in the tables may not be representative of the charges and costs that a particular Owner will pay. You may obtain more information about the particular charges, cost of insurance, and the cost of certain riders that would apply to you by requesting a personalized policy illustration from your registered representative.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:352.05pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Fund Expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50.89pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:53.05pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:352.05pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses are deducted from fund assets, including management fees, distribution, </span></div> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and/or 12b-1 fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:50.89pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:38.89pt;"> <div style="display:flex;margin-left:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:53.05pt;"> <div style="line-height:12pt;margin-left:6pt;margin-right:3pt;text-align:right;width:40.55pt;"> <div style="display:flex;margin-left:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.88%*</span></div></div></div></td></tr></table> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses are deducted from fund assets, including management fees, distribution, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and/or 12b-1 fees, and other expenses)</span> 0.0023 0.0288 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Total Annual Operating Expenses shown in the table do not reflect waivers and reductions. Refer to the Underlying Fund’s prospectus for specific information on any waivers or reductions in effect.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;font-weight:bold;text-transform:uppercase;">PRINCIPAL RISKS OF INVESTING IN THE POLICY</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;font-weight:bold;line-height:18pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Fluctuating Investment Performance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> A Sub-Account will increase and decrease in value according to investment performance of the Underlying Fund. Policy values in the Sub-Accounts are not guaranteed. If you put money into the Sub-Accounts, you assume all the investment risk on that money. A comprehensive discussion of each Sub-Account’s and Underlying Fund’s objective and risk is found in this prospectus and in each Underlying Fund’s prospectus, respectively. You should review these prospectuses before making your investment decision. Your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">choice of Sub-Accounts and the performance of the Underlying Funds will impact the Policy’s Accumulation Value and will impact how long the Policy remains in force, its tax status, and the amount of Premium you need to pay to keep the Policy in force.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Policy Values in the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Premium Payments and policy values allocated to the Fixed Account are held in the Company’s General Account. Note that there are significant limitations on your right to transfer amounts in the Fixed Account and, due to these limitations, if you want to transfer the entire balance of the Fixed Account to one or more Sub-Accounts, it may take several years to do so. Therefore, you should carefully consider whether the Fixed Account meets your investment needs. We issue other types of insurance policies and financial products. In addition to any amounts we are obligated to pay in excess of policy value under the Policy, we also pay our obligations under other types of insurance policies and financial products. Obligations under these policies and financial products that are funded by our General Account include: (1) the obligation to keep the policy and any riders in force when the policy value is below zero and a no-lapse guarantee is in effect; (2) the obligation to pay or accelerate Death Benefits that exceed the Separate Account Value; Payment of these benefits and obligations is subject to our claims-paying ability and financial strength. We are also responsible for providing for all of the administrative services necessary in connection with the contracts (and bearing all of the associated expenses). Moreover, unlike assets held in the Separate Account, the assets of the General Account are subject to the general liabilities of the Company and, therefore, to the Company’s General Account creditors. In the event of an insolvency of receivership, payments we make from our General Account to satisfy claims under the Policy would generally receive the same priority as our other Owners’ obligations.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The General Account is not segregated or insulated from the claims of the insurance company’s creditors. Investors look to the financial strength of the insurance company’s fulfillment of the contractual promises and guarantees we make to you in the Policy, including those relating to the payment of death benefits. Therefore, guarantees provided by the insurance company as to benefits promised in the prospectus are subject to the claims-paying ability of the insurance company and are subject to the risk that the insurance company may not be able to cover or may default on its obligations under those guarantees.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For more information, please see the “Lincoln Life, The Separate Account and The General Account” sections of the Statement of Additional Information (SAI) or the “Transfers” section of this prospectus.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Costs Subject to Change.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">  The Tables of Fees contained in this prospectus reflect the guaranteed maximum charges applicable to the Policy. At the time you purchase the Policy, some of those charges are likely to be assessed at rates less than the maximum rates shown but are subject to adjustment as described in the Policy Charges and Fees section. Such charges are referred to as non-guaranteed elements or “NGEs”. A change to one or more of these NGEs can affect your Policy's performance, including coverage duration, premiums required to keep your Policy in force, as well as the Policy's Surrender Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Unsuitable for Short-Term Investment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Policy is intended for long-term financial and investment planning for persons needing death benefit protection, and it is unsuitable for short-term goals. Your Policy is not designed to serve as a vehicle for frequent trading.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Policy Lapse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Sufficient Premiums must be paid to keep your Policy in force. There is a risk of lapse if Premiums are too small in relation to the insurance amount and if investment results of the Sub-Accounts you have chosen are adverse or are less favorable than anticipated. Outstanding Policy Loans and Partial Surrenders will increase the risk of lapse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition to paying sufficient Premiums and being cognizant of the impact of outstanding Policy Loans and Partial Surrenders on policy values, you also have the No-Lapse Enhancement Rider and the Premium Reserve Rider, briefly noted above and discussed in more detail in the Riders section of the prospectus, to help you manage some of the risk of Policy Lapse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Policy Loans. </span><span style="font-family:Arial Narrow;font-size:10pt;">Outstanding Policy Loans and accrued interest reduce the Policy's death benefit and Accumulation Value. If at any time the total Debt against your Policy, including interest accrued but not due, equals or exceeds the then current Accumulation Value less Surrender Charges, the Policy will terminate subject to the conditions in the Grace Period provision, unless the provisions of the No-Lapse Enhancement Rider are preventing policy </span><span style="font-family:Arial Narrow;font-size:10pt;">termination. If your Policy lapses while a loan is outstanding, the borrowed amount may be taxable to you to the extent your Policy's value exceeds your basis in the Policy. There may be adverse tax consequences in the event that your Policy lapses with an outstanding loan balance.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Decreasing Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Any outstanding Policy Loans and any amount that you have surrendered will reduce your Policy’s death benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Consequences of Surrender.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Surrender Charges are assessed if you surrender your Policy within 15 years of issue or within 15 years of a Specified Amount increase. Depending on the amount of Premium paid, or any Reduction in Specified Amount, there may be little or no Surrender Value available. Partial Surrenders may reduce the policy value and death benefit, and may increase the risk of lapse. To avoid lapse, you may be required to make additional Premium Payments. Full or Partial Surrenders may result in tax consequences.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Investment Restriction Compliance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> While you own the No-Lapse Enhancement Rider, you may be subject to certain requirements and limitations that restrict your allocations among the Sub-Accounts and the Fixed Account. These restrictions are described in the “No-Lapse Enhancement Rider” section under “Allocation Requirements”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">later in this prospectus and the “Appendix B: Current Investment Restrictions for Optional Benefits – No-Lapse Enhancement Rider.” The Allocation Requirements are intended to reduce our risk that we may be required to use our own assets to fulfill our no-lapse guarantees under the rider. As described further in the funds’ prospectuses, certain Underlying Funds that are included within the investment restrictions, including funds managed by an adviser affiliated with us, employ risk management strategies that are intended to manage the funds’ overall volatility or limit the funds’ losses during significant market downturns. While these risk management strategies could help to reduce negative impacts of market volatility and market downturns, they could also limit your participation in market gains. Overall, the Allocation Requirements that may be imposed under the No-Lapse Enhancement Rider may conflict with your personal investment objectives and limit your ability to maximize potential growth of your Accumulation Value. You should consult with your registered representative to determine whether the Allocation Requirements align with your investment objectives.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We reserve the right to change the Allocation Requirements at any time upon at least 61 days prior notice. Upon a change in Allocation Requirements, we will not reallocate any of your Policy’s Accumulation Value except pursuant to your instructions in writing or by telephone (if you have previously authorized telephone transfers in writing). If your allocations are not compliant with any new Allocation Requirements applicable to your Policy, failure to timely reallocate your Policy Accumulation Value in accordance with any new Allocation Requirements will cause your Rider to terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Tax Consequences.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> As noted in greater detail in the section headed “Tax Issues”, the federal income tax treatment of life insurance is complex and the current tax treatment of life insurance may change. There are other federal tax consequences such as estate, gift and generation skipping transfer taxes, as well as state and local income, estate and inheritance tax consequences. You should always consult a tax advisor about the application of federal, state and local tax rules to your individual situation. The following discussion highlights tax risks in general, summary terms. There may be adverse tax consequences (i.e. a 10% penalty) in the event of a Surrender or withdrawal if the Owner is under the age of 59½.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Tax Treatment of Life Insurance Contracts.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Your Policy is designed to qualify for the favorable tax treatment afforded life insurance, including the exclusion of death benefits from income tax, the ability to take distributions and loans over the life of your Policy, and the deferral of taxation of any increase in the value of your Policy. If the Policy does fail to qualify as life insurance, you will be subject to the denial of those important benefits. In addition, if you pay more Premiums than permitted under the federal tax law your Policy will be classified as a Modified Endowment Contract (“MEC”) whereby only the tax benefits applicable to death benefits will apply and distributions will be subject to immediate taxation and to an added penalty tax.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Tax Law Compliance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We believe that the Policy will satisfy the federal tax law definition of life insurance, and we will monitor your Policy for compliance with the tax law requirements. The discussion of the tax treatment of your Policy is based on the current Policy, as well as the current rules and regulations governing life insurance. Please </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">note that changes made to the Policy, as well as any changes in the current tax law requirements, may affect the Policy’s qualification as life insurance or may have other tax consequences.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Cybersecurity and Business Interruption Risks.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We rely heavily on interconnected computer systems and digital data to conduct our variable products business. Because our business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyber-attacks, including ransomware and malware attacks. These risks include, among other things, the theft, loss, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential customer information. The risk of cyber-attacks may be higher during periods of geopolitical turmoil. Such systems failures and cyber-attacks affecting us, any third-party administrator, the Underlying Funds, intermediaries and other affiliated or third-party service providers may adversely affect us and your policy value. For instance, systems failures and cyber-attacks may interfere with our processing of policy transactions, including the processing of orders from our website or with the Underlying Funds, impact our ability to calculate your policy value, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines, litigation, and financial losses and/or cause reputational damage. Cyber-security risks may also impact the issuers of securities in which the Underlying Funds invest, which may cause the funds underlying your Policy to lose value. There can be no assurance that we or the Underlying Funds or our service providers will avoid losses affecting your Policy due to system disruptions, cyber-attacks or information security breaches in the future.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">In addition to cyber-security risks, we are exposed to risks related to natural and man-made disasters, such as (but not limited to) storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts, any of which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic (such as COVID-19), could affect the ability or willingness of our employees or the employees of our service providers to perform their job responsibilities. They could also result in our business operations being less efficient than under normal circumstances and could lead to delays in our processing of policy-related transactions, including orders from Owners. Disasters may negatively affect the computer and other systems on which we rely, impact our ability to calculate accumulation unit values, or have other possible negative impacts. They may also impact the issuers of securities in which the Underlying Funds invest, which may negatively affect the value of the Underlying Funds and the value of your Policy. There can be no assurance that we or the Underlying Funds or our service providers will be able to successfully avoid negative impacts associated with natural and man-made disasters.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Fluctuating Investment Performance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> A Sub-Account will increase and decrease in value according to investment performance of the Underlying Fund. Policy values in the Sub-Accounts are not guaranteed. If you put money into the Sub-Accounts, you assume all the investment risk on that money. A comprehensive discussion of each Sub-Account’s and Underlying Fund’s objective and risk is found in this prospectus and in each Underlying Fund’s prospectus, respectively. You should review these prospectuses before making your investment decision. Your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">choice of Sub-Accounts and the performance of the Underlying Funds will impact the Policy’s Accumulation Value and will impact how long the Policy remains in force, its tax status, and the amount of Premium you need to pay to keep the Policy in force.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Policy Values in the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Premium Payments and policy values allocated to the Fixed Account are held in the Company’s General Account. Note that there are significant limitations on your right to transfer amounts in the Fixed Account and, due to these limitations, if you want to transfer the entire balance of the Fixed Account to one or more Sub-Accounts, it may take several years to do so. Therefore, you should carefully consider whether the Fixed Account meets your investment needs. We issue other types of insurance policies and financial products. In addition to any amounts we are obligated to pay in excess of policy value under the Policy, we also pay our obligations under other types of insurance policies and financial products. Obligations under these policies and financial products that are funded by our General Account include: (1) the obligation to keep the policy and any riders in force when the policy value is below zero and a no-lapse guarantee is in effect; (2) the obligation to pay or accelerate Death Benefits that exceed the Separate Account Value; Payment of these benefits and obligations is subject to our claims-paying ability and financial strength. We are also responsible for providing for all of the administrative services necessary in connection with the contracts (and bearing all of the associated expenses). Moreover, unlike assets held in the Separate Account, the assets of the General Account are subject to the general liabilities of the Company and, therefore, to the Company’s General Account creditors. In the event of an insolvency of receivership, payments we make from our General Account to satisfy claims under the Policy would generally receive the same priority as our other Owners’ obligations.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The General Account is not segregated or insulated from the claims of the insurance company’s creditors. Investors look to the financial strength of the insurance company’s fulfillment of the contractual promises and guarantees we make to you in the Policy, including those relating to the payment of death benefits. Therefore, guarantees provided by the insurance company as to benefits promised in the prospectus are subject to the claims-paying ability of the insurance company and are subject to the risk that the insurance company may not be able to cover or may default on its obligations under those guarantees.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For more information, please see the “Lincoln Life, The Separate Account and The General Account” sections of the Statement of Additional Information (SAI) or the “Transfers” section of this prospectus.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Costs Subject to Change.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">  The Tables of Fees contained in this prospectus reflect the guaranteed maximum charges applicable to the Policy. At the time you purchase the Policy, some of those charges are likely to be assessed at rates less than the maximum rates shown but are subject to adjustment as described in the Policy Charges and Fees section. Such charges are referred to as non-guaranteed elements or “NGEs”. A change to one or more of these NGEs can affect your Policy's performance, including coverage duration, premiums required to keep your Policy in force, as well as the Policy's Surrender Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Unsuitable for Short-Term Investment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Policy is intended for long-term financial and investment planning for persons needing death benefit protection, and it is unsuitable for short-term goals. Your Policy is not designed to serve as a vehicle for frequent trading.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Policy Lapse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Sufficient Premiums must be paid to keep your Policy in force. There is a risk of lapse if Premiums are too small in relation to the insurance amount and if investment results of the Sub-Accounts you have chosen are adverse or are less favorable than anticipated. Outstanding Policy Loans and Partial Surrenders will increase the risk of lapse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition to paying sufficient Premiums and being cognizant of the impact of outstanding Policy Loans and Partial Surrenders on policy values, you also have the No-Lapse Enhancement Rider and the Premium Reserve Rider, briefly noted above and discussed in more detail in the Riders section of the prospectus, to help you manage some of the risk of Policy Lapse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Policy Loans. </span><span style="font-family:Arial Narrow;font-size:10pt;">Outstanding Policy Loans and accrued interest reduce the Policy's death benefit and Accumulation Value. If at any time the total Debt against your Policy, including interest accrued but not due, equals or exceeds the then current Accumulation Value less Surrender Charges, the Policy will terminate subject to the conditions in the Grace Period provision, unless the provisions of the No-Lapse Enhancement Rider are preventing policy </span><span style="font-family:Arial Narrow;font-size:10pt;">termination. If your Policy lapses while a loan is outstanding, the borrowed amount may be taxable to you to the extent your Policy's value exceeds your basis in the Policy. There may be adverse tax consequences in the event that your Policy lapses with an outstanding loan balance.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Decreasing Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Any outstanding Policy Loans and any amount that you have surrendered will reduce your Policy’s death benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Consequences of Surrender.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Surrender Charges are assessed if you surrender your Policy within 15 years of issue or within 15 years of a Specified Amount increase. Depending on the amount of Premium paid, or any Reduction in Specified Amount, there may be little or no Surrender Value available. Partial Surrenders may reduce the policy value and death benefit, and may increase the risk of lapse. To avoid lapse, you may be required to make additional Premium Payments. Full or Partial Surrenders may result in tax consequences.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Investment Restriction Compliance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> While you own the No-Lapse Enhancement Rider, you may be subject to certain requirements and limitations that restrict your allocations among the Sub-Accounts and the Fixed Account. These restrictions are described in the “No-Lapse Enhancement Rider” section under “Allocation Requirements”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">later in this prospectus and the “Appendix B: Current Investment Restrictions for Optional Benefits – No-Lapse Enhancement Rider.” The Allocation Requirements are intended to reduce our risk that we may be required to use our own assets to fulfill our no-lapse guarantees under the rider. As described further in the funds’ prospectuses, certain Underlying Funds that are included within the investment restrictions, including funds managed by an adviser affiliated with us, employ risk management strategies that are intended to manage the funds’ overall volatility or limit the funds’ losses during significant market downturns. While these risk management strategies could help to reduce negative impacts of market volatility and market downturns, they could also limit your participation in market gains. Overall, the Allocation Requirements that may be imposed under the No-Lapse Enhancement Rider may conflict with your personal investment objectives and limit your ability to maximize potential growth of your Accumulation Value. You should consult with your registered representative to determine whether the Allocation Requirements align with your investment objectives.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We reserve the right to change the Allocation Requirements at any time upon at least 61 days prior notice. Upon a change in Allocation Requirements, we will not reallocate any of your Policy’s Accumulation Value except pursuant to your instructions in writing or by telephone (if you have previously authorized telephone transfers in writing). If your allocations are not compliant with any new Allocation Requirements applicable to your Policy, failure to timely reallocate your Policy Accumulation Value in accordance with any new Allocation Requirements will cause your Rider to terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Tax Consequences.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> As noted in greater detail in the section headed “Tax Issues”, the federal income tax treatment of life insurance is complex and the current tax treatment of life insurance may change. There are other federal tax consequences such as estate, gift and generation skipping transfer taxes, as well as state and local income, estate and inheritance tax consequences. You should always consult a tax advisor about the application of federal, state and local tax rules to your individual situation. The following discussion highlights tax risks in general, summary terms. There may be adverse tax consequences (i.e. a 10% penalty) in the event of a Surrender or withdrawal if the Owner is under the age of 59½.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Tax Treatment of Life Insurance Contracts.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Your Policy is designed to qualify for the favorable tax treatment afforded life insurance, including the exclusion of death benefits from income tax, the ability to take distributions and loans over the life of your Policy, and the deferral of taxation of any increase in the value of your Policy. If the Policy does fail to qualify as life insurance, you will be subject to the denial of those important benefits. In addition, if you pay more Premiums than permitted under the federal tax law your Policy will be classified as a Modified Endowment Contract (“MEC”) whereby only the tax benefits applicable to death benefits will apply and distributions will be subject to immediate taxation and to an added penalty tax.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Tax Law Compliance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We believe that the Policy will satisfy the federal tax law definition of life insurance, and we will monitor your Policy for compliance with the tax law requirements. The discussion of the tax treatment of your Policy is based on the current Policy, as well as the current rules and regulations governing life insurance. Please </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">note that changes made to the Policy, as well as any changes in the current tax law requirements, may affect the Policy’s qualification as life insurance or may have other tax consequences.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Cybersecurity and Business Interruption Risks.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We rely heavily on interconnected computer systems and digital data to conduct our variable products business. Because our business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyber-attacks, including ransomware and malware attacks. These risks include, among other things, the theft, loss, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential customer information. The risk of cyber-attacks may be higher during periods of geopolitical turmoil. Such systems failures and cyber-attacks affecting us, any third-party administrator, the Underlying Funds, intermediaries and other affiliated or third-party service providers may adversely affect us and your policy value. For instance, systems failures and cyber-attacks may interfere with our processing of policy transactions, including the processing of orders from our website or with the Underlying Funds, impact our ability to calculate your policy value, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines, litigation, and financial losses and/or cause reputational damage. Cyber-security risks may also impact the issuers of securities in which the Underlying Funds invest, which may cause the funds underlying your Policy to lose value. There can be no assurance that we or the Underlying Funds or our service providers will avoid losses affecting your Policy due to system disruptions, cyber-attacks or information security breaches in the future.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">In addition to cyber-security risks, we are exposed to risks related to natural and man-made disasters, such as (but not limited to) storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts, any of which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic (such as COVID-19), could affect the ability or willingness of our employees or the employees of our service providers to perform their job responsibilities. They could also result in our business operations being less efficient than under normal circumstances and could lead to delays in our processing of policy-related transactions, including orders from Owners. Disasters may negatively affect the computer and other systems on which we rely, impact our ability to calculate accumulation unit values, or have other possible negative impacts. They may also impact the issuers of securities in which the Underlying Funds invest, which may negatively affect the value of the Underlying Funds and the value of your Policy. There can be no assurance that we or the Underlying Funds or our service providers will be able to successfully avoid negative impacts associated with natural and man-made disasters.</span> 0.05225 <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;font-weight:bold;text-transform:uppercase;">OTHER BENEFITS AVAILABLE UNDER THE POLICY</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;font-weight:bold;line-height:18pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In addition to the Death Benefit under the Policy, other standard and optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table. More information about each rider follows the table.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:273pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">No-Lapse </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhancement </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prevents lapse if the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy’s Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value is insufficient </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to cover the Monthly </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Deductions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically issued at Policy purchase.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">You may not allocate Accumulation Value and </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Premium Payments to the money market Sub-</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Account except for purposes described in the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Right </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">to Examine Period</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">” section, as an account from which </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">to transfer funds for the Dollar Cost Averaging </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">program as described in the section headed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Optional </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Sub-Account Allocation Programs</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">”, and in the event </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of a fund liquidation as described in the section </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">headed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Sub-Account Availability and Substitution of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Funds</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">”.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">For applications received on or after November 13, </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">2023, the Guaranteed Minimum Death Benefit Option </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">1 is not available.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">For applications received on or after May 15, 2023, </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">significant investment restrictions apply so long as </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the rider remains in effect.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maintaining Automatic Rebalancing with the </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">applicable allocation requirements, as described in </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">this prospectus, is required to keep this rider in force.</span></div></div></td></tr> <tr style="height:199.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Overloan </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protection Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides that your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy will not lapse </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">solely based on Debt </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exceeding the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically issued at Policy purchase if Guideline </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Premium Test is chosen. Not available if Cash Value </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Test is chosen.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Once you exercise the benefit, the following changes </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">will be made to your Policy:</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">We will no longer allow Premium Payments, Partial </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Surrenders, or changes to the Specified Amount.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">All other riders will be terminated.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">No additional Monthly Deductions will be taken.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The Separate Account Value will be transferred to the </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Fixed Account.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The Policy will become paid-up insurance (i.e. no </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">further payment will be required).</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:173pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserve </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to pay </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some Premiums that </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">accumulate in the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">same manner as if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">they had been </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">allocated to your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy without being </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">subject to all Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">charges and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses. The </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserves, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in turn, can be used </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to prevent the Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">from lapsing.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically issued at Policy purchase in states </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">where it is available.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Premiums allocated to the Premium Reserve Rider do </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">not increase the Policy’s Accumulation Value and, </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">therefore, will not decrease the Net Amount at Risk.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If the entire Premium Reserve is transferred to </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prevent a lapse, the rider will terminate, and no future </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Premium Payments to the rider are permitted.</span></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Automatic </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To periodically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">restore Sub-Account </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exposure to a pre-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">determined level </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">selected by the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">policyholder to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce potential risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of exposure to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">market volatility.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Is only available on a quarterly basis.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Must be maintained on product to keep No-Lapse </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Enhancement rider (see Riders).</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Can be terminated; however will terminate No-Lapse </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Enhancement rider (see Riders).</span></div></div></td></tr> <tr style="height:277.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Basic Accelerated </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Riders</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advances a portion </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">upon Insured being </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Terminally Ill, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">critically ill or </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">confined to a nursing </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">home.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Version 1: available at Policy purchase or anytime </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">thereafter; Version 2: available at Policy purchase </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability is subject to underwriting criteria </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(including age and state of health).</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Terminal illness coverage is up to 50% of the death </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">benefit.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Nursing Home Confinement coverage is up to 40% of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the death benefit.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Terminal Illness coverage and Nursing Home </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Confinement coverage is subject to an overall </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">maximum of $250,000.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Version 2: critical illness coverage is 5% of the death </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">benefit not to exceed $25,000 upon the occurrence of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the first critical illness.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The illness or confinement must meet conditions of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Rider to qualify for payments.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Benefits received from this rider will terminate any </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">other Accelerated Benefit rider.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:135pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LifeEnhance</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advances payment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of up to 100% of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Original Benefit upon </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the occurrence of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">chronic or terminal </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">illness.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Start of benefit payments will terminate the Premium </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Reserve Rider and Enhanced Surrender Value Rider, if </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">applicable.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability subject to underwriting criteria (including </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">age and state of health) at time of Policy purchase </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The chronic illness or terminal Illness, must meet </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">conditions of the Rider to qualify for payments.</span></div></div></td></tr> <tr style="height:177pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LifeAssure</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advances up to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100% of the Original </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit upon the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">occurrence of a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">chronic or terminal </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">illness.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Start of benefit payments will terminate the Premium </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Reserve Rider and Enhanced Surrender Value Rider, if </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">applicable.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability subject to underwriting criteria (including </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">age and state of health) at time of Policy purchase </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The chronic or terminal illness, must meet conditions </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of the Rider to qualify for payments.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Benefit payments received will be less than the </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amount accelerated because each payment is subject </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">to a discount factor for early payment.</span></div></div></td></tr> <tr style="height:217.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides monthly </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefit payments for </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the reimbursement </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of expenses incurred </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">by the Insured for </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Covered Services.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Start of benefit payments will terminate any other </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accelerated Benefit Rider, Enhanced Surrender Value </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Rider and Premium Reserve Rider.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If you exercise any other Accelerated Benefit Rider or </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Overloan Protection Rider, this rider will </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">terminate.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Amounts we reimburse are subject to a monthly </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">maximum dollar amount that can be accelerated each </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Policy Month.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability is subject to underwriting criteria </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(including age and state of health) at time of Policy </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The long-term care services must meet conditions of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Rider to qualify for reimbursement.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:159pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bonus Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Uses a portion of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Separate Account </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value to create an </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Open Bonus Option. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The new Open Bonus </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option will credit a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bonus Rider Benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount, if any, to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Accumulation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value on its Bonus </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option Maturity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">This rider is not available for applications received on </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">or after November 13, 2023.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If the Insured is on total disability as provided and </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">defined under any Waiver of Monthly Deduction Rider, </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Bonus Rider will be inactive.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If the Policy’s death benefit is being accelerating </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">under any Long-Term Care Rider: no Bonus Rider </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">charge will be deducted, no new bonus options will </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be started, and any Bonus Rider benefit amounts will </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be applied to the Fixed Account.</span></div></div></td></tr> <tr style="height:237pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Change of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Insured Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Permits a change in </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the person who is </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Insured under the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase or until the Attained Age </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of 65.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability may vary by selling broker dealer. You </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">may obtain information about the optional benefits </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">that are available through your broker dealer by </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">contacting your broker dealer or our Administrative </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Office.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Benefit ceases to be available on the contract </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">anniversary nearest to the current Insured’s 65</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">birthday.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The new Insured is subject to underwriting </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">requirements.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Policy value requirements apply.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Policy charges applicable to the new Insured may </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">differ from charges applicable to the current Insured.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Any change in Insured is a taxable event.</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides an </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhanced Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value free of a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Charge if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you fully surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Policy during </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the first five Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Years.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div></div></td></tr> <tr style="height:61.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waiver of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Deduction Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waives monthly </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">deductions during </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">periods of total </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">disability.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The disability must meet conditions and commence </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prior to the Policy Anniversary nearest the Insured’s </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">65</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> birthday to qualify for payments.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:161pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Dollar Cost </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">strategy that divides </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">up the total amount </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to be invested in one </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">or more Sub-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accounts over a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">specified period of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">time. This averages </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the purchase cost of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the assets over time </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and helps to reduce </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the potential impact </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of market volatility.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available 1</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Policy Year only, at Policy purchase. </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Cannot move money to Fixed Account or money </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">market. </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically moves to Automatic Rebalancing after </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">1</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Policy Anniversary. </span></div></div></td></tr> <tr style="height:97.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy Loans</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Borrow against the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Policy and the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserve </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">We may limit the amount of your loan so that total </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Debt under the Policy will not exceed 90% of an </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amount equal to the Accumulation Value less </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Surrender Charge.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Amounts transferred to the Loan Account do not </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">participate in the performance of the Sub-Accounts or </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Fixed Account.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">No-Lapse Enhancement Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">:  We will automatically issue this Rider with your Policy and there is no charge for it. This Rider provides you with a limited benefit in the event that your Policy would otherwise lapse. It does not provide any additional death benefit amount or any increase in your policy value and it does not provide any type of market performance guarantee. While this Rider is effective, there are certain requirements and limitations that are imposed which may restrict the allocations you may wish to make. These are described in the “Allocation Requirements” section below and the “Appendix B: Current Investment Restrictions for Optional Benefits – No-Lapse Enhancement Rider.”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For applications received on or after May 15, 2023, significant investment restrictions apply so long as the rider remains in effect. If you do not wish to be subject to those restrictions, you must terminate the rider, but terminating the rider will cause you to lose that standard benefit. Terminating the benefit will not reduce the charges to which your Policy is subject.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">The Rider’s benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Rider consists of the No-Lapse Value provision (the “No-Lapse Value Provision”) and the Reset Account Value provision (the “Reset Account Value Provision”). Under this Rider, if the Policy’s Surrender Value is insufficient to cover the Monthly Deductions, your Policy will not lapse as long as </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">either</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> the No-Lapse Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> the Reset Account Value, less any Debt, is greater than zero. If </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">both</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> the No-Lapse Value and the Reset Account Value, less any Debt, are zero or less, this Rider will not prevent your Policy from lapsing. The “No-Lapse Value” and “Reset Account Value” are reference values only and are determined as described below using Reference Rates and fees unique to each provision. These Reference Rates and fees are fixed at issue for the life of the Policy and are different from the rates and fees we use to calculate the Accumulation Value of the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How long the protection lasts</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The duration of lapse protection provided by this Rider will be determined monthly and may vary based on the amount and timing of Net Premium Payments that are paid, interest credited, the amount of any Partial Surrenders, and rates and fees for the Rider. Payment of Premiums higher than the Planned Premium and interest credited on Net Premiums will increase the duration of lapse protection. Partial Surrenders and the costs of other riders which have their own charges will reduce the duration of lapse protection. Also, the duration of lapse protection provided by this Rider may be impacted by certain factors including:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. Changes in premium timing, frequency or amount, including those Premium Payments paid;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i. later than the month following the Planned Premium due date, which may shorten the duration of lapse protection,</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii. more than a month earlier than the Planned Premium due date, which may lengthen the duration of the lapse protection;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">iii. more frequently than your scheduled Premium Payments, which may shorten the duration of lapse protection for the same amount of total Premium pay in a year;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">iv. less frequently than your scheduled Premium Payments, which may lengthen the duration of lapse protection for the same amount of total Premium paid in a year;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">v. in lesser amount than the Planned Premium, which may shorten the duration of lapse protection; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">vi. paid in greater amounts than the Planned Premium, which may lengthen the duration of lapse protection.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. Your request(s) to initiate policy changes such as loans, Partial Surrenders, increases in Specified Amount, the addition of Riders, or exercising rider benefits, which may shorten the duration of lapse protection.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. Your request(s) to initial policy changes such as decreased in Specified Amount or the removal of Riders which may lengthen the duration of lapse protection.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">All Premiums received between two Monthly Anniversary Days will be credited as if they had been received as of the prior Monthly Anniversary Day in relation to the actual premium receipt date. This means that the Premium will be treated as having been received before the calculation of the No-Lapse Value Monthly Deduction, Reset Account Value Monthly Deduction and interest crediting. This treatment of effective date of Premiums only applies for the purposes of calculating the No-Lapse Value and the Reset Account Value. All Premiums received in the Policy Month prior to a decrease in the No-Lapse Value Premium Load and the Reset Account Value Premium Load will receive the lower No-Lapse Value Premium Load and the Reset Account Value Premium Load, as shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">To help ensure that any changes you make to your Policy will accomplish your insurance objective, we encourage you to request a personalized policy illustration from your registered representative that shows the impact of such changes to future death benefits, policy values, and the duration of this Rider’s lapse protection.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on Guaranteed Minimum Death Benefit Options:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> At the time of application, you will elect a Guaranteed Minimum Death Benefit Option. Once elected, the GMDB Option cannot be changed. The following are the two options:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;">Option 1: </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">This Option is not available for applications received on or after November 13, 2023.</span><span style="font-family:Arial Narrow;font-size:10pt;"> Until the Insured’s Attained Age 90, the GMDB will be the Initial Specified Amount less any decreases in the Specified Amount. At the Insured’s Attained Age 90, the GMDB will automatically be reduced and set equal to the Initial Specified Amount minus any benefit payments under an acceleration of benefits or the Long-Term Care Rider, multiplied by 50%, unless the GMDB at the Insured’s Attained Age 90 is below this amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Option 2: The Initial Specified Amount less any decreases in the Specified Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on Death Benefit Proceeds</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If this Rider is actively preventing the Policy from Lapse, the death benefit payable will be determined as described below. Otherwise, the death benefit payable will be determined per the Death Benefit Proceeds provision of the Policy. (See section headed “Death Benefits” form more information.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each provision triggers a different death benefit, which are different from the Death Benefit Proceeds otherwise applicable under the Policy. If the requirements of only one of these provisions are met, the Death Benefit Proceeds payable will be calculated under that provision. If the requirements of both of these provisions are met, the Death Benefit Proceeds payable will be the greater of the Death Benefit Proceeds calculated under each provision.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Insured dies while the No-Lapse Provision is maintaining the Policy in force, the Death Benefit Proceeds will be equal to: the Guaranteed Minimum Death Benefit plus any Riders or benefits that are payable, less any debt and Partial Surrenders processed after the Insured’s date of death. Note: While you can’t request an increase in the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">GMDB, if the current Specified Amount is decreased below the GMDB, the GMDB will automatically be decreased to an amount equal to the reduced Specified Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Insured dies while the Reset Account Value Provision is maintaining the Policy in force, the Death Benefit Proceeds will be equal to the Reset Death Benefit plus any Riders or benefits that are payable, less any Debt and Partial Surrenders after the Insured’s date of death.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Death Benefit on the Policy Date equals the Initial Specified Amount shown in the Policy Specifications. If the current Specified Amount is decreased below the Reset Death Benefit, the Reset Death Benefit will automatically be decreased to an amount equal to the new reduced Specified Amount. The Reset Death Benefit decrease will become effective on the same date as the decrease in current Specified Amount. You cannot request an increase in the Reset Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">What happens when the Rider’s benefits go into effect</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: During any time that this Rider is preventing the Policy from Lapse, the following will occur as applicable:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Monthly Deductions will continue to be accumulated, but will not be deducted. The Surrender Value will not be less than zero. Cost of Insurance rates will not be charged on an amount greater than the death benefit at the beginning of the Policy Month. Any Death Benefit Proceeds payable will not be reduced by the accumulated unpaid Monthly Deductions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Loan interest will continue to accrue and will be added to the total amount of Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Rider is no longer preventing Lapse, or upon termination of the No-Lapse Enhancement Rider, whichever occurs first, any accumulated unpaid Monthly Deductions will need to be repaid in addition to the amount described in the Grace Period provision in order to keep the Policy in force.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on the Policy’s Grace Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Grace Period provision of the Policy will begin on the Monthly Anniversary Day on which the No-Lapse Value, less Debt, and the Reset Account Value, less Debt, are less than or equal to zero and the Policy has met the conditions for entering the Grace Period. You will be notified of the pending Lapse as provided under that provision.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Allocation Requirements</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: While this Rider is effective, there are certain allocation constraints and investment requirements that are or may be imposed. This means that you may be restricted in your choice of and/or in how much you can invest in certain Sub-Account(s) and/or the Fixed Account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If you do not comply with these requirements, the Rider will terminate and, if the Rider terminates, the Policy will remain in force only if the Surrender Value is sufficient to cover the Monthly Deductions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You will be notified at least 61 days prior to the date of any change in the Allocation Requirements. We may make such modifications at any time when we believe the modifications are necessary to protect our ability to provide the guarantees under the Rider. Our decision to make modifications will be based on several factors including the general market conditions and the style and investment objectives of the Sub-Account investments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">At the time you receive notice of a change to the Allocation Requirements, if you are not in compliance with the new Allocation Requirements, you may:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1. submit your own reallocation instructions for the Accumulation Value, before the date specified in the notice, so that the Allocation Requirements are satisfied; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. take no action, which will result in termination of the Rider on the date specified in the notice; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3. elect to terminate the Rider immediately, without waiting for a termination event.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Please note, upon a change in Allocation Requirements, we will not reallocate any of your Policy’s Accumulation Value except pursuant to your instructions in writing or by telephone (if you have previously authorized telephone transfers in writing). Failure to timely reallocate your Policy Accumulation Value in accordance with any new Allocation Requirements will cause your Rider to terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Currently, the following allocation constraints apply to all No-Lapse Enhancement Riders, regardless of the date the application was received:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. Automatic Rebalancing will be in effect when the Policy is issued and you must maintain Automatic Rebalancing in order to keep this Rider in effect. If you discontinue Automatic Rebalancing after the Policy is issued, this Rider will terminate. (Refer to the section headed “Optional Sub-Account Allocation Programs” for more information about Automatic Rebalancing.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. This Rider limits the use of the money market Sub-Account to the following: (a) for the purposes described in the “Right to Examine Period” section of this prospectus; and (b) as an account from which to transfer funds for the Dollar Cost Averaging program as described in the section headed “Optional Sub-Account Allocation Programs”. Please note that any balance remaining in the money market Sub-Account upon termination of Dollar Cost Averaging will need to be transferred to other Sub-Account(s) or the Fixed Account, as specified by you. Use of the money market Sub-Account other than as described above will result in the Rider terminating.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For applications received on or after May 15, 2023, the following additional investment restrictions apply to keep this Rider in effect.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Sub-Accounts of your Policy are divided into tiers. You can select the percentages of Accumulation Value to allocate to individual Sub-Accounts within the tier and/or to the Fixed Account, but the total allocation percentages must comply with the specified minimum or maximum percentages for that tier. We may change the tier that each Sub-Account is assigned to, the number of tiers, the minimum or maximum percentages of Accumulation Value allowed in each tier, the investment options that are or are not available to you, or the rebalancing frequency at any time in our sole discretion. If we make such a change, you will be notified as described above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Currently, a maximum of 75% of the Accumulation Value can be invested in tier 3 Sub-Accounts. If any of the Accumulation Value is invested in tier 3 Sub-Accounts, a minimum of 25% of the Accumulation Value must be invested in tier 1 Sub-Accounts or the Fixed Account. There are no restrictions or requirements on tier 2 Sub-Accounts.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please refer to “Appendix B: Current Investment Restrictions for Optional Benefits – No-Lapse Enhancement Rider” for the current tier assignments for each of the Sub-Accounts under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For applications received prior to May 15, 2023, we do not currently impose additional investment restrictions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">However, we may establish additional investment restrictions in the future. Any future investment restrictions may be in the form of one or both of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i. a maximum percentage of the Policy’s Accumulation Value to be permitted in certain Sub-Accounts, particularly those with higher than average volatility, or the Fixed Account; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii. a minimum percentage of the Policy’s Accumulation Value to be required in certain Sub-Accounts, particularly those with lower than average volatility (please review the “Sub-Accounts and Funds” section of this prospectus).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If we impose such additional investment restrictions you will be notified as described above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we determine the No-Lapse Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The No-Lapse Value is a reference value only (and it may become less than zero). It is not used in determining the Accumulation Value or death benefit provided by the Policy. The No-Lapse Value on the Policy Date will be the initial Premium received, plus the No-Lapse Value Premium Credit as shown in the Policy Specifications, less the No-Lapse Monthly Deduction for the first Policy Month.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On each Monthly Anniversary Day, the No-Lapse Value is calculated taking into account the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value on the preceding Monthly Anniversary Day;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Premiums received since the preceding Monthly Anniversary Day (either adding the amount of the No-Lapse Value Premium Credit or subtracting the amount of the No-Lapse Value Premium Load based on Policy Years as shown in the Policy Specifications);</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Partial Surrenders (i.e. withdrawals) since the preceding Monthly Anniversary Day;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Accumulated No-Lapse Value Credited Interest (interest credited to the No-Lapse Value daily) is calculated using the interest rates shown in the table of No-Lapse Value Credited Interest rates shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value Monthly Deduction described below for the Policy Month following the Monthly Anniversary Day; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Surrender Charge, if any, as determined from the Table of Surrender Charges shown in the Policy Specifications for any decrease in Specified Amount on the Monthly Anniversary Day.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Guaranteed Minimum Death Benefit (“GMDB”) is determined by the GMDB Option that you elected and is shown in the Policy Specifications. If the current Specified Amount is decreased below the GMDB, the GMDB will automatically be decreased to an amount equal to the reduced Specified Amount. The GMDB decrease will become effective on the same date as the decrease in current Specified Amount. You cannot request an increase in the GMDB. Please see the “Death Benefit Option” section for more information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we determine the No-Lapse Value Monthly Deduction and the No-Lapse Value Cost of Insurance</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The No-Lapse Value Monthly Deduction for a Policy Month equals the sum of the No-Lapse Value Cost of Insurance as described below, the cost of any additional benefits provided by other rider(s) for the Policy Month and the No-Lapse Value Monthly Policy Fee, and after deducting the No-Lapse Monthly Administrative Fee as shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value Cost of Insurance will be the result of (1) minus (2), multiplied by (3), and divided by 1,000, where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) Is the No-Lapse Death Benefit Value described below at the beginning of the Policy Month, divided by the Net Amount at Risk Discount Factor shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2) Is the larger of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i. the No-Lapse Value at the beginning of the Policy Month after the deduction of the No-Lapse Value Monthly Policy Fee and after the deduction of the No-Lapse Value Monthly Administrative Fee but prior to the deduction for the monthly No-Lapse Value Cost of Insurance; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii. zero if the No-Lapse Value is less than zero.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(3) Is the applicable No-Lapse Factor described in the Policy Specifications. The No-Lapse Factor may be modified by the Table of Funding Level Threshold Percentages and resulting reduction factor, if applicable, as described in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Funding Level, mentioned above, is measured by dividing the No-Lapse Value on the Monthly Anniversary Day by the current Guaranteed Minimum Death Benefit. The Funding Level is used in the Table of Funding Level Threshold Percentages shown in the Policy Specifications to determine if the No-Lapse Factor will be modified by a reduction factor. The No-Lapse Factor is used to calculate the No-Lapse Cost of Insurance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we calculate the No-Lapse Death Benefit Value: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Death Benefit Value is equal to the Guaranteed Minimum Death Benefit plus the amount of any increases in the Specified Amount. The No-Lapse Death Benefit Value is used only to determine the monthly No-Lapse Value Cost of Insurance; it is not used to determine the death benefit provided by the Policy or this Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we determine the Reset Account Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Reset Account Value is a reference value (which may become less than zero) and is not used in determining the Accumulation Value or death benefit provided by the Policy. The Reset Account Value on the Policy Date will be the initial Premium received, less the Reset Account Premium Load, as shown in the Policy Specifications, and less the Reset Account Monthly Deduction for the first Policy Month:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On each Monthly Anniversary Day, the Reset Account Value is calculated taking into account the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Reset Account Value on the preceding Monthly Anniversary Day;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Premiums received since the preceding Monthly Anniversary Day, subtracting the amount of the Reset Account Value Premium Load;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Partial Surrenders (i.e. withdrawals) since the preceding Monthly Anniversary Day;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Accumulated Reset Account Value Credited Interest (interest credited to the Reset Account Value daily) is calculated using the Reset Account Value Credited Interest rate shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value Monthly Deduction described below for the Policy Month following the Monthly Anniversary Day; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Surrender Charge, if any, as determined from the Table of Surrender Charges shown in the Policy Specifications for any decrease in Specified Amount on the Monthly Anniversary Day.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On each Policy Anniversary, the Reset Account Value may increase to reflect positive investment performance. If the Reset Account Value on that Policy Anniversary is less than the Accumulation Value on that same Policy Anniversary, the Reset Account Value will be reset to equal the Accumulation Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we determine the Reset Account Monthly Deduction and the Reset Account Cost of Insurance</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Reset Account Monthly Deduction for a Policy Month equals the sum of the Reset Account Value Cost of Insurance as described below the cost of any additional benefits provided by other rider(s) for the Policy Month and the Reset Account Monthly Administrative Fee shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value Cost of Insurance will be the result of (1) minus (2), multiplied by (3), and divided by 1,000, where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) is the Reset Account Death Benefit Value at the beginning of the Policy Month, divided by the Net Amount at Risk Discount Factor shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2) is the Reset Account Value at the beginning of the Policy Month after the deduction of the Reset Account Value Monthly Administrative Fee but prior to the deduction for the monthly Reset Account Value Cost of Insurance, or zero if the Reset Account Value is less than zero, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(3) is the Reset Factor as described in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we calculate the Reset Account Death Benefit Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Reset Account Death Benefit Value is equal to the Reset Death Benefit plus the amount of any increases in Specified Amount. The Reset Account Death Benefit Value is used only to determine the monthly Reset Account Value Cost of Insurance; it is not used to determine the death benefit provided by the Policy or this Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">When will the Rider terminate</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Rider and all rights provided under it will terminate automatically on the first of the following to occur:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1. the Insured reaches age 121;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. the surrender or other termination of the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3. you request to terminate Automatic Rebalancing;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4. you use the money market Sub-Account other than as described in the Allocation Requirement above; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5. an allocation restriction, described in the “Allocation Requirements” section above and the “Appendix B: Current Investment Restrictions for Optional Benefits – No-Lapse Enhancement Rider” section below is imposed and you do not take corrective action within 61 days after the date of mailing of the notice that your allocations do not comply.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If this Rider terminates due to item (1) above, coverage will continue as described in the Continuation of Coverage section of this prospectus, and the Death Benefit Proceeds available under this Rider will continue to apply. If this Rider terminates due to items (3), (4) or (5) above it can result in the need to repay unpaid Monthly Deductions in order to keep your Policy in force and this Rider cannot be reinstated. You should consider your options carefully </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">when choosing to terminate this Rider under one of these conditions. If the Policy terminates and is reinstated, the rider will likewise be reinstated unless the rider had terminated before the Policy terminated.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Overloan Protection Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">  If this rider is issued with your Policy, you meet the requirements as described in the rider (see below) and you choose to take advantage of the benefit it provides, your Policy will not lapse solely based on Debt exceeding the Surrender Value. It is a limited benefit, in that it does not provide any additional death benefit or any increase in Accumulation Value. Also, it does not provide any type of market performance guarantee.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will automatically issue this rider with your Policy if the death benefit qualification test chosen is the Guideline Premium Test. This rider is not available if you have chosen the Cash Value Accumulation Test as the basis for the Policy qualifying as life insurance under federal tax law and the benefit is not available to you if the Policy is a Modified Endowment Contract. While there is no charge for adding this rider to your Policy, if you choose to exercise this benefit, there is a one-time charge shown in the Policy Specifications. (See the “Periodic Charges Other Than Annual Underlying Fund Fees and Operating Expenses” table and Policy Charges and Fees section of this prospectus.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In addition to the conditions mentioned above the following must be met at the time the benefit is exercised:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Policy Debt is larger than the Specified Amount; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy has been in force for a minimum number of Policy Years (“Minimum Policy Years in Force”) as shown in the Policy Specifications; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any Insured identified in the Policy Specifications has attained the age shown as “Minimum Attained Age” in the Policy Specifications; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy’s Accumulation Value less Debt must be enough to cover the charge as shown in the Policy Specifications; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The ratio of Debt to the Policy’s Accumulation Value must be between the Minimum and Maximum Value Threshold Percentages shown in the Policy Specifications; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Both the guideline single premium and the guideline level premiums calculated under the Guideline Premium Test must be greater than zero (see the “Death Benefit Qualification Test” section of this prospectus) (unless the youngest Insured has attained or would have attained at least age 100)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Once you exercise the benefit, the following changes will be made to your Policy:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. We will no longer allow Premium Payments, Partial Surrenders, or changes to the Specified Amount;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. All other riders will be terminated;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. No additional Monthly Deductions will be taken;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. The Separate Account Value (also referred to the “Variable Account Value” in the rider), if any, will be transferred to the Fixed Account. (This transfer will not be subject to any limitations that may otherwise be in effect and will not be assessed a charge. Also, no further transfers will be allowed, and Automatic Rebalancing will end); and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. The Policy will become paid-up insurance (i.e. no further payments will be required) and the death benefit will be determined as provided by the Policy but will be no less than the greater of the following amounts, less Debt:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(i) Debt plus $10,000; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(ii) An amount determined by us equal to the amount required to qualify the Policy as life insurance under the Internal Revenue Code.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">You should consult with a qualified tax advisor before exercising this rider, as there may be tax consequences in the event you fail to meet eligibility for this rider. Also, we will provide you with notice the first time your Policy meets all the conditions and requirements noted above. We strongly recommend that you carefully monitor the performance of your Policy by annually reviewing a projection of the Policy’s benefits and values (an “illustration”) in order to improve your opportunity of meeting the requirements and conditions of the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Premium Reserve Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: We will automatically issue this rider with your Policy in states where it is available. The rider allows you to pay Premiums in addition to those you plan to pay for your Policy and to have such amounts accumulate in the same manner as if they had been allocated to your Policy without, as detailed in the rider, being subject to all charges and expenses of your Policy. For example, this rider can be used to fund future Premium Payments if needed while retaining the flexibility to withdraw such funds from the rider without reducing the Policy’s Specified Amount (or being subject to Surrender Charges) in the event the funds are not needed due to favorable investment performance. Premiums allocated to the Premium Reserve Rider do not increase the Policy’s Accumulation Value and, therefore, will not decrease the Net Amount at Risk. Since the Net Amount at Risk will not be reduced, current Cost of Insurance Charges will not be reduced. However, the Policy’s death benefit will be increased by the Premium Reserve Rider Accumulation Value less Debt. The Premium Reserve Rider Accumulation Value is the sum of the (i) values of Sub-Accounts created for the rider which, but for having been created specifically for the rider, are in all other respects identical to the Sub-Accounts (the “Premium Reserve Rider Sub-Accounts”), and (ii) values held in the portion of the Fixed Account created specifically for the rider (the “Premium Reserve Rider Fixed Account”).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Premium Load of 10% in Policy Years 1 - 20, and 3% in Policy Years 21 and beyond (known as the Premium Reserve Rider Premium Load) will be deducted from each amount allocated to this rider. We reserve the right to change this charge but guarantee it will not exceed the maximum rates as shown in the “Periodic Charges Other Than Annual Underlying Fund Fees and Operating Expenses” table of this prospectus.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Net Premium Reserve Rider Premiums will be allocated to the Premium Reserve Rider Sub-Accounts and/or the Premium Reserve Rider Fixed Account using the same Premium allocation instruction that you have provided to us for allocating Premiums which you direct to your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Calculations of the values of the Premium Reserve Rider Sub-Accounts apply the same monthly Mortality and Expense Risk Charge as would have been deducted if the Premiums had been allocated to your Policy; however, the Monthly Deductions for your Policy, which include charges for the cost of insurance and the Administrative Fee, and charges for riders to your Policy other than this rider will not be reflected.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may request us to transfer all or part of the Premium Reserve Rider’s Accumulation Value to your Policy at any time.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No other policy charges or fees will be deducted from the amount allocated to the Premium Reserve Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition, after Policy Year 10, subject to certain limitations (which relate to meeting the requirement that sufficient value remains to maintain the duration of lapse protection provided under the No-Lapse Enhancement Rider until the Insured reaches age 121 – see section headed “No-Lapse Enhancement Rider”), you may request transfers from the Policy’s Sub-Accounts and Fixed Account to the Premium Reserve Rider for allocation to the Premium Reserve Rider's Sub-Accounts and Fixed Account. Transfers between the Policy and the rider will not be counted against the number of free transfers permitted by the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The rider provides for the automatic transfer of the entire Accumulation Value of the rider to the Policy in the event:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Surrender Value under your Policy is insufficient to maintain your Policy in force and the No-Lapse Enhancement Rider described above is not at the time preventing your Policy from lapsing; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">you do not pay at least the amount set forth in the Grace Notice and your payment is not received by us before the end of the Grace Period.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Premium Reserve Rider Surrender Value on the day the Grace Period ends is insufficient to meet the amount then due, your Policy will lapse without value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If this rider is in force at the time you request a loan on or Partial Surrender of your Policy, any such loan or Partial Surrender will be made first from any Premium Reserve Rider Accumulation Value and when the Premium Reserve Rider Accumulation Value is reduced to zero, then from the Accumulation Value of your Policy. Loan interest will be </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">charged and credited to any Premium Reserve Rider loans on the same basis as the Policy. Please refer to the section headed “Policy Loans” for a more detailed discussion of Policy Loans, including interest charged on Policy Loans.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In the event of the death of the Insured while the rider is in force, any Premium Reserve Rider Accumulation Value less Debt on the date of death will be added to the death benefit. If the death benefit is paid pursuant to the No-Lapse Enhancement Rider, the Premium Reserve Rider Accumulation Value less Debt will be added to the death benefit payable under that rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Premium Reserve Rider will terminate at the earlier of the date your Policy terminates; the date the entire Premium Reserve Rider Accumulation Value is automatically transferred to your Policy to maintain your Policy in force; or your written request to terminate the rider is received. Once terminated, the rider may not be reinstated, and no further Premium Payments may be allocated to it.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Finally, the amount of Premiums you may pay, whether you direct them to your Policy or to your Premium Reserve Rider, are subject to limits which are discussed in the Tax Issues section of the prospectus.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As with your Policy, you bear the risk that the investment results of the Sub-Accounts you have chosen are adverse or are less favorable than anticipated. Adverse investment results will impact the Accumulation Value of the rider and, therefore, the amount of rider Accumulation Value which may be available to prevent your Policy from lapsing or for providing policy benefits.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Premium Reserve Rider, as discussed above, can help provide additional protection against lapse of your Policy. The Premium Reserve Rider Accumulation Value generated by the additional Premiums you pay to the rider may be transferred to the Policy either through (i) your voluntarily requesting us to transfer available Premium Reserve Rider Accumulation Value to the Policy in the amount needed to prevent lapse (because, for example, you do not have the funds outside of the Policy to make the Premium Payment required to keep the Policy in force), or (ii) the rider’s provision for automatically transferring all available Premium Reserve Rider Accumulation Value to the Policy should those values be needed to prevent lapse of the Policy (because, for example, the payment you do make either is less than the amount requested or is not received by the time set by the terms of the Policy). However, as noted above, if such values are transferred pursuant to the Premium Reserve Rider’s automatic transfer provision, the Premium Reserve Rider will terminate, and the Owner will permanently lose the ability to allocate any future Premium Payments to the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As a hypothetical example of how the Premium Reserve Rider might help prevent lapse of your Policy, assume that you have had your Policy for 11 years and that you have allocated additional Premiums to the rider so that your Premium Reserve Rider Accumulation Value at the end of Policy Year 11 is $25,000. Further assume that the No-Lapse Enhancement Rider is no longer preventing your Policy from lapsing, that the Premium required to maintain your Policy in force that is due at the beginning of Policy Year 12 is $15,000, and that you have decided that you wish to minimize your current cash outlays. If you do not pay the $15,000 Premium, you will receive a Grace Notice which will tell you that you need to make a Premium Payment of $15,000 to your Policy. If you wish, you could request (before the end of the Grace Period) that we transfer $15,000 of the Premium Reserve Rider Accumulation Value to the Policy. If you do not so request, we will automatically transfer the entire Premium Reserve Rider Accumulation Value of $25,000 to the Policy (and your Premium Reserve Rider will terminate). In this example, the transfer of $15,000 from your Premium Reserve Rider Accumulation Value to your Policy will avoid lapse of the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As a further hypothetical example, again assume that you have had your Policy for 11 years but that you have allocated fewer additional Premiums to the rider so that your Premium Reserve Rider Accumulation Value is $10,000. Continuing the assumption that the No-Lapse Enhancement Rider is no longer preventing your Policy from lapsing, that the Premium required to maintain your Policy in force that is due at the beginning of Policy Year 12 is $15,000, and that you wish to minimize your current cash outlays, your Premium Reserve Rider Accumulation Value would provide (either by transfer at your specific request or through automatic transfer) $10,000 towards the Premium due. But in this example, you would have to then pay the balance of the Premium due, that is $5,000, to us from your savings or from another source outside of the Policy to avoid lapse of your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should discuss with your registered representative the needs which purchasing the Policy will meet, including the need to provide to beneficiaries a guaranteed death benefit which does not depend upon growth of the Policy’s Accumulation Value. Policy illustrations, which the registered representative can prepare, will help determine the amount of Premiums which should be allocated to paying the costs of the Policy for the death benefit you need. Once that need for a guaranteed death benefit is met and Premium requirements determined, the Owner then could consider whether to allocate additional funds to the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should carefully weigh the balance between allocating Premiums to the Policy and Premiums to the rider. Premiums allocated to the Premium Reserve Rider may be withdrawn without reducing the Specified Amount (which might be the case if those Premiums had been allocated to the Policy). In addition, Premiums allocated to the rider are charged with the Premium Reserve Rider Premium Load as detailed above. Premiums allocated to the rider become part of the Premium Reserve Rider Accumulation Value and that value (less any Debt) would be paid upon the death of the Insured in addition to the death benefit paid.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">However, Premiums allocated to the rider do not increase the Policy’s Accumulation Value and, therefore, would not reduce the Cost of Insurance Charges. An illustration can show the impact that paying a higher level of Premiums would have on the Policy’s cost of insurance: that is as Accumulation Values in the Policy increase (through positive investment results and/or allocating more Premiums to the Policy), the Net Amount at Risk (that is, the difference between the death benefit and the Accumulation Value) will decrease, thereby decreasing the Cost of Insurance Charges. Decreasing policy charges increases the amount of the Policy’s Accumulation Value available for allocation to the Sub-Accounts, and thereby increases the amount available for investment, subject to your tolerance for risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Your registered representative can prepare illustrations which would reflect the potential impact that different allocations of Premium between the Policy and the Premium Reserve Rider might have, as well as illustrate the impact rates of return selected by you might have on the Policy’s benefits and the rider’s Accumulation Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Basic Accelerated Benefits Riders.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> There are two basic Accelerated Benefits Riders. The availability of the riders is based upon the Insured meeting our underwriting criteria (including the Insured's age and the state of the Insured's health at the time of your application), which will determine which, if any, form of rider will be issued to you. If the Insured meets our underwriting requirements and if you apply for the riders at the same time as you apply for your Policy, you will be issued the second version of the rider (as described below). If the Insured does not meet our underwriting requirements (or you do not apply for the riders when you apply for your Policy), you will be issued the first version of the rider that is described below. There is a charge for these riders of $250 (limited in certain states), which will be deducted from any benefit when paid. A benefit payable under either form of rider (the “Accelerated Benefits”) will be considered as a lien against your Policy for the amount of the Accelerated Benefit paid, and the lien will be considered as a Policy Loan and will be charged interest. (See section headed “Policy Loans”.) As the benefit paid is a lien, you may, if you wish, repay any part (but not less than $25) or all of the amount paid. The amount of any lien outstanding at the time of the death of the Insured will be deducted from the death benefit otherwise payable. In certain states, the availability of the riders, and the benefits available thereunder, are limited; please consult with your registered representative as to availability and benefits.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">One version of this rider pays a portion of the death benefit upon occurrence of Terminal Illness (defined by the rider as when the Insured's life expectancy is reduced to less than 12 months) or Nursing Home Confinement (defined by the rider as the Insured being confined to a qualifying nursing home for the balance of life), subject to the terms of the rider. This version of the rider will pay 50% of the death benefit for Terminal Illness and 40% of the death benefit for Nursing Home Confinement, subject to an overall maximum of $250,000 on all policies in force with us, in accordance with the terms of the rider. You may apply for this rider either at the time your application for the Policy is made or at any time thereafter. Our underwriting rules in effect at the time you apply will determine whether the rider will be issued.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The second version of this rider, which must be applied for at the time you apply for your Policy, in addition to paying the same portion of the death benefit upon the occurrence of Terminal Illness or Nursing Home Confinement (as discussed above), also may pay a portion of the death benefit upon critical illness or a condition specified in the rider. The illnesses which qualify are detailed in the rider and generally include, but are not limited to, heart attack </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(myocardial infarction) and life threatening cancer. In the instance of critical illness, the portion of the death benefit payable is 5% (not to exceed a total of $25,000) upon the occurrence of the first critical illness covered by the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under either version of this rider, the death benefit used to calculate the benefit under the rider will include any Premium Reserve Rider Accumulation Value less Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">To receive a benefit, you must contact us and let us know which benefit you are requesting and the benefit amount (subject to maximum limits) you would like. We will let you know what physician’s certification or other requirements you must submit. If you request less than the maximum benefit, you may later apply for the balance of the benefit. For example, if the Insured is confined to a qualifying nursing home for the balance of life, and your only policy with us covering that Insured has a $100,000 death benefit, you could request up to 40% or $40,000, and if the Insured is later diagnosed with a medical condition resulting in a less than 12 month life expectancy, you may request an additional 10% (for a total benefit of 50%) or $10,000 (for a total benefit of $50,000). Because the benefit payable creates a lien on the Policy, the maximum amount of your benefit may also be restricted (or no benefit may be payable) if you have an outstanding Policy Loan or if the Policy has been assigned to a third party. Benefits paid under the rider may restrict your ability to request future Policy Loans.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln LifeEnhance</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Accelerated Benefits Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The availability of this rider is based upon the Insured meeting our underwriting criteria (including the Insured’s age, gender and the state of the Insured’s health at the time of your application). You must apply for this rider at the time you apply for your Policy. Charges for this rider, if elected, are part of the Monthly Deductions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider provides for the acceleration of up to 100% of the Original Benefit Amount, as determined below, upon occurrence of a Qualifying Event provided all of the terms and conditions of this rider have been met. There are two Qualifying Events: (1) the Insured is certified as Chronically Ill as defined in the rider; or (2) the Insured is certified as Terminally Ill as defined in the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Depending on which Qualifying Event occurs and the benefit payment option you have chosen, the Original Benefit Amount will be determined as follows, assuming all the Conditions for Eligibility for Benefit Payments, also described below, have been satisfied:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Chronic Illness where you have elected to receive benefits in a one-time lump sum and have met all Conditions for Eligibility of Benefit Payments:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Policy’s Death Benefit Proceeds, without reduction by an outstanding Debt, (the “Gross Death Benefit Proceeds”).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If a Premium Reserve Rider is attached to the Policy, the Policy’s Gross Death Benefit Proceeds less the Premium Reserve Rider Accumulation Value. The Premium Reserve Rider Surrender Value will be paid to you prior to the calculation of the Original Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Chronic Illness where you have elected to receive Monthly Benefit Amounts or where you elect to receive the Terminal Illness benefit and have met all Conditions for Eligibility for Benefit Payments:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Gross Death Benefit Proceeds ; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If a Premium Reserve Rider is attached to the Policy, you can elect to have the Premium Reserve Rider Surrender Value paid to you prior to the calculation of the Original Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You are eligible to receive an Accelerated Benefit payment if the Policy and this rider are in force and the Insured is living when all of the following requirements (the “</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Conditions for Eligibility for Benefit Payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">”) are met:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Our receipt and approval of the following documentation provided by you:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Chronic Illness, Written Certification or Written Re-certification that the Insured is a Chronically Ill individual; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Terminal Illness, a Terminally Ill Certification that the Insured is Terminally Ill; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A written consent to make such payment from any assignee of record named under the Policy or any irrevocable Beneficiary named under the Policy; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We complete, at our discretion and expense, a personal interview with, and an assessment of, the Insured, including examination or tests by a “Licensed Health Care Practitioner” of our choice; and our receipt of copies of any relevant medical records from a health care provider involved in the Insured’s care. A Licensed Health Care Practitioner is a physician, as defined in Section 1861(r)(1) of the Social Security Act, a registered professional nurse, licensed social worker, or other individual who meets such requirements as may be prescribed by the Secretary of Treasury, or qualifications to our satisfaction.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Original Benefit Amount will be reduced by any benefit payments made. The balance remaining is the “Remaining Benefit Amount”. There is no waiting period to receive a benefit under this rider once all Conditions for Eligibility for Benefit Payments have been satisfied and benefits will be paid retroactively to the date of our receipt of all documentation provided by you that is necessary to satisfy all Conditions for Eligibility for Benefit Payments. Furthermore, we do not require proof of incurred expenses for you to receive benefits under this rider. This rider’s benefits will only be paid to the Owner of the Policy and will only be paid by check or other method made available by us. Any benefit to be paid is subject to the “Incontestability” provision of the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The benefit payment options available to you under this rider are as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For a Chronic Illness Qualifying Event</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may elect to receive the benefit as either (a) Monthly Benefit Amounts or (b) a one-time lump sum payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Monthly Benefit Amounts</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> - Provided all Conditions for Eligibility for Benefit Payments have been satisfied, you may elect to receive accelerated monthly benefit payments (the “Monthly Benefit Amount”) without losing the option of electing a one-time lump sum payment of the Remaining Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For each Benefit Period, defined below, in which you qualify to receive benefits, you may elect a Monthly Benefit Amount equal to or greater than the Minimum Monthly Benefit but not exceeding the Maximum Monthly Benefit. Both of these amounts are shown on the Policy Specifications. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note that the Monthly Benefit Amount is not cumulative. The entire Maximum Monthly Benefit may be taken, but if not, the remaining portion cannot be added to future payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> By electing an amount less than the Maximum Monthly Benefit, the amount of the Original Benefit Amount available for later benefit payments (the “Remaining Benefit Amount” as noted above) will be reduced more slowly; however, you should consider that you may or may not re-qualify for future “Written Re-certifications”. A “Written Certification” is the Written Certification that we must receive and approve prior to the start of each Benefit Period following the initial Benefit Period in order for you to be eligible for Chronic Illness Monthly Benefit Amounts, provided all other Conditions for Eligibility for Benefit Payments are met. “Written Certification” is the documentation required, in a form satisfactory to us, certifying that the Insured is Chronically Ill as defined in the rider and providing certain other information with respect to the Insured’s ongoing health service needs. A “Benefit Period” is a period of time not to exceed twelve consecutive months. Each such period begins on the Monthly Anniversary Day after we receive all documentation provided by you necessary to satisfy all Conditions for Eligibility for Benefit Payments. A new Benefit Period will begin no earlier than the end of the current Benefit Period.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The largest amount that may be elected is the Maximum Monthly Benefit. As shown on the Policy Specifications, the Maximum Monthly Benefit may not exceed the lesser of the shown percentage of the Original Benefit Amount or the monthly equivalent of the Per Diem Limit (which is set annually on January 1 by the Internal Revenue Service.) At the time of claim and for each subsequent Benefit Period, we will notify you of your Maximum Monthly Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Sixty (60) days prior to the end of each Benefit Period, we will send you documentation for Written Re-certification. As part of this documentation, if your Maximum Monthly Benefit is based on the Per Diem Limit and the Per Diem Limit increases, we will provide you with an adjusted Maximum Monthly Benefit. If your Maximum Monthly Benefit is based on the Per Diem Limit, the Maximum Monthly Benefit in this documentation </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">will be based on a 30 day Policy Month. If you elect the Maximum Monthly Benefit, the actual amount you receive will be adjusted based on the number of days in each Policy Month.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness Monthly Benefit Amounts will end when any of the following occur:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Insured fails to meet any one of the Conditions for Eligibility for Benefit Payments;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">you notify us to discontinue Monthly Benefit Amount payments; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">this rider terminates.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In the event you request that we discontinue Monthly Benefit Amount payments and then, at a later date, you desire to begin a new Benefit Period, we will allow you to do so provided all of the Conditions for Eligibility for Benefit Payments are met.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(b) One-Time Lump Sum - If you elect a one-time lump sum payment, the Remaining Benefit Amount will be multiplied by the then applicable Chronic Illness one-time lump sum actuarial discount factor when determining the amount of the payment (as described in the discussion of actuarial discount factors below). The payment of a one-time lump sum will cause termination of both this rider and the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For a Terminal Illness Qualifying Event</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The maximum Terminal Illness benefit payment will be the lesser of 1) 50% of the Remaining Benefit Amount; or 2) $250,000. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note: This benefit will only be paid once and will be paid as a lump sum, if you elect less than the maximum benefit, the remainder will not be available at a later date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The amount accelerated will be greater than the Terminal Illness benefit payment and will be determined by dividing the requested benefit payment by the applicable Terminal Illness actuarial discount factor discussed below. The amount accelerated will not be allowed to exceed the Remaining Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As described above, a Chronic Illness one-time lump sum actuarial discount factor will be applied to the Chronic Illness one-time lump sum and a Terminal Illness actuarial discount factor will be applied to the Terminal Illness amount accelerated. These actuarial discount factors reflect the early payment of benefits available under the Policy. The actuarial discount factor used will be based on a mortality assumption and an interest rate which has been declared by us in effect on the date the benefit payment is determined. The maximum interest rate used shall not exceed the greater of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current yield on 90 day treasury bills available on the date the benefit payment is determined; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Maximum Statutory Adjustable Policy Loan Interest Rate (the highest variable interest rate permitted under state law) in effect on the date the benefit payment is determined. This maximum rate will not be more than the higher of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) The published monthly average (defined below) for the calendar month ending 2 months before the date on which the rate is determined; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The rate used to compute the Fixed Account under the Policy for that year plus 1 percent.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The published monthly average referred to above is defined as:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Moody's Corporate Bond Yield Average - Monthly Average Corporates as published by Moody's Investors Service, Inc., or any successor thereto; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In the event that Moody's Corporate Bond Yield Average - Monthly Average Corporates is no longer published, a substantially similar average, established by regulation, or other method, issued by the Insurance Department of the state or other jurisdiction where the Policy is delivered.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Please note that, subject to meeting all Conditions for Eligibility for Benefit Payments, defined below, you may elect to receive Accelerated Benefits as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness in Monthly Benefit Amounts and then at a later date elect the Chronic Illness one-time lump sum payment; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness Monthly Benefit Amounts and then at a later date elect to receive the Terminal Illness benefit. In the same Policy Month, you may receive both a Chronic Illness Monthly Benefit Amount and the Terminal Illness benefit; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness Monthly Benefit Amounts, then at a later date elect to receive the Terminal Illness benefit and finally receive the Chronic Illness one-time lump sum payment; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(d)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Terminal Illness benefit and then at a later date elect to receive a Chronic Illness benefit in either Monthly Benefit Amounts or the one-time lump sum payment, or both.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any Chronic Illness Monthly Benefit Amount or Terminal Illness benefit paid under this rider will be first used to repay a portion of any outstanding Debt under the Policy. The portion to be repaid will be determined by the product of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">[(A + B) / C] * D where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A = is the balance in the Loan Account;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B = is any accrued loan interest not yet charged;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">C = is the Remaining Benefit Amount immediately prior to a benefit payment; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">D = is either i. or ii. noted below, depending on the Qualifying Event:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Chronic Illness Monthly Benefit Amount; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Terminal Illness benefit payment divided by the applicable Terminal Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Chronic Illness one-time lump sum benefit payment is elected, the benefit payment will be reduced by any outstanding Debt under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">It is important to note that if any of the following riders are attached to your Policy, this rider may have an impact on any benefits provided under such rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Premium Reserve Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> For Chronic Illness Monthly Benefit Amounts and Terminal Illness benefit, you may elect to either include the Premium Reserve Rider Accumulation Value in the calculation of the Original Benefit Amount or receive a payment of the Premium Reserve Rider Surrender Value. Either action will terminate the Premium Reserve Rider. If you elect to include the Premium Reserve Rider Accumulation Value in the calculation of the Original Benefit Amount, the Premium Reserve Rider Accumulation Value will be transferred to the Policy’s corresponding Fixed Account value, Sub-Account(s) value, and/or Loan Account value . If you elect the Chronic Illness one-time lump sum payment, you will receive a payment of the Premium Reserve Rider Surrender Value and the Premium Reserve Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Monthly Deduction Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the Insured is on Total Disability as provided under any Waiver of Monthly Deduction Rider, we will continue to waive the Monthly Deductions falling due under the Policy once payment of an Accelerated Benefit begins under this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Enhanced Surrender Value Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Once payment of an Accelerated Benefit under this rider begins, the Enhanced Surrender Value Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit payments under this rider will reduce certain policy and rider values by multiplying such values by a Reduction Ratio noted below. The values that will be reduced are as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Specified Amount;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Fixed Account Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The value of each Sub-Account;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Your “Cost Basis” in the Policy (the total amount of Premiums or other consideration you have paid for the Policy, less the total amount you have received that was not included in your taxable income, and less any reductions in values due to benefit payments under this rider);</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Premiums paid to date;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No-Lapse Value* of any No-Lapse Enhancement Rider, if attached to the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Reset Account Value* of any No-Lapse Enhancement Rider, if attached to the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed Minimum Death Benefit* of any No-Lapse Enhancement Rider, if attached to the Policy; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Reset Death Benefit* of any No-Lapse Enhancement Rider, if attached to the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">* As defined in the No-Lapse Enhancement Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any reduction will occur on the Monthly Anniversary Day prior to the Monthly Deduction. The proportion by which the above values will be reduced will be based on a Reduction Ratio, determined as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Chronic Illness Benefit Payments</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each Monthly Benefit Amount will reduce the above values by a Reduction Ratio of (b-a)/b where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a = is the Monthly Benefit Amount, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b = is the Remaining Benefit Amount immediately prior to a benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Terminal Illness Benefit Payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The payment of a Terminal Illness benefit will reduce the above values by a Reduction Ratio of (b-a)/b where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a = is the Terminal Illness benefit payment divided by the applicable Terminal Illness actuarial discount factor, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b = is the Remaining Benefit Amount immediately prior to the benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional terms to consider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For each Policy Month you receive a rider benefit payment, we will send you a monthly report showing the change in current values under your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Surrender Charges as shown on the Policy Specifications will be waived.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If there is any Premium in a Premium deposit fund, this Premium will be returned to you and will be treated as a normal return of Premium and not as a benefit payment under this rider. If we return any accrued interest with the Premium amount, the interest will be reported as taxable income to you.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may not make a change in Specified Amount, a change in the Insured’s premium class as shown on this rider’s Policy Specifications or add rider benefits or increase the amount of rider benefits.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Further, we reserve the right to transfer all value of each Sub-Account(s) to the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the death of the Insured occurs prior to the date you satisfy all Conditions for Eligibility for Benefit Payments, we will pay the Death Benefit Proceeds. If the death of the Insured occurs while benefits are being received under this rider, we will pay the Death Benefit Proceeds, which may be less than the Remaining Benefit Amount, and the Death Benefit Proceeds will be reduced by any decrease in the remaining Benefit Amount after the date of the Insured’s death.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider provides for Monthly Deductions to be waived in the event you are receiving or have received Chronic Illness Monthly Benefits or a Terminal Illness Benefit. Once benefit payments begin, the Policy’s Monthly Deductions will continue until the Policy’s Surrender Value, and, if attached to the Policy, the No-Lapse Enhancement Rider’s No-Lapse Value, less Debt, and Reset Account Value, less Debt, are reduced to an amount insufficient to pay the Monthly Deduction. After this occurs, the Policy will not lapse as long as this rider is in force. We will stop billing you and will not allow Premium Payments unless otherwise agreed to by you and us. However, we will continue to accept loan repayments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">It is important to note that this rider does not provide an Accelerated Benefit for Chronic Illness resulting from:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Intentionally self-inflicted injury or attempted suicide, while sane or insane;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any act or incident of insurrection or war, declared or undeclared;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Insured’s participation in, or attempting to participate in, a felony, riot, or insurrection; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Alcoholism or drug addiction.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may reinstate this rider as part of your Policy if the Policy is terminated and reinstated. Such reinstatement will be subject to satisfactory evidence of insurability and all other terms and conditions of the Policy to which it is attached.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider and all rights provided under it will terminate automatically upon whichever of the following occurs first:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The date you request in writing to terminate this rider;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy’s Specified Amount exceeds the Specified Amount Limit as shown on the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The receipt of a Chronic Illness one-time lump sum payment which will cause the termination of both this rider and the Policy to which it is attached;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Remaining Benefit Amount is reduced to zero which will cause the termination of both this rider and the Policy to which it is attached;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Termination of the Policy; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The death of the Insured which will cause Death Benefit Proceeds to become payable under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition, if you have received an Accelerated Benefit payment, this rider will terminate on the earliest of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The date you take a Partial Surrender under the Policy; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The date you take a loan under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln LifeAssure</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Accelerated Benefits Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The availability of this Rider is based upon the Insured meeting our underwriting criteria (including the Insured’s age, gender, and the state of the Insured’s health at the time of your application.) You must apply for this Rider at the time you apply for your Policy . While there is no charge for the Rider, there is an Administrative Fee charged at the time of each benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This Rider provides for the acceleration of up to 100% of the Original Benefit Amount, which is the lesser of the Specified Amount or the Lifetime Maximum Limit as shown on your Policy Specifications, upon occurrence of a Qualifying Event provided all of the terms and conditions of this Rider have been met. There are two Qualifying Events, described below: (1) the Insured is certified as Chronically Ill as defined in the rider; or (2) the Insured is certified as Terminally Ill as defined in the rider. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note: The amount accelerated will be subject to a discount factor for early payment of benefits. Benefit payments received will be less than the amount accelerated.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">There is no waiting period to receive a benefit under this Rider once all Conditions for Eligibility for Benefit Payments, described below, have been satisfied. The benefit payment is payable immediately on the date we approved all documentation necessary to satisfy the Conditions for Eligibility for Benefit Payments. Furthermore, we do not require proof of incurred expenses for you to receive benefits under this Rider. This Rider’s benefits will be paid to the Owner or Owner’s estate while the Insured is living, unless the benefit has been otherwise assigned or designated by the Owner. This Rider’s benefits will only be paid by check or other method made available by us. Any benefit requested during the Policy’s contestable period is subject to the “Incontestability” provision of the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Concurrent with your election to accelerate the death benefit, you and any irrevocable Beneficiary will be given a statement demonstrating the effect of the acceleration of death benefits on the Accumulation Value, Specified Amount, Premium, Surrender Value, Cost of Insurance Charges, and loans. You will be given an additional statement with each benefit payment demonstrating the effect of the acceleration of death benefits on the above noted values.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit Payment Options</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For a Chronic Illness Qualifying Event</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note that this benefit will be paid as an annual lump sum. You cannot receive payment of more than one Chronic Illness benefit per Benefit Period (a period of time equal to twelve consecutive months).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We must receive and approve a written certification prior to the start of any Benefit Period in order for you to be eligible to receive a Chronic Illness benefit payment, provided all other Conditions for Eligibility for Benefit Payments are met.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The amount accelerated will be greater than the Chronic Illness benefit payment and will be determined by dividing the requested benefit payment (subject to the minimum and maximum described below), by the applicable Chronic Illness actuarial discount factor. The amount accelerated will not be allowed to exceed the Remaining Benefit Amount, which is an amount equal to the Original Benefit Amount adjusted by subtracting the amount of all Chronic Illness benefits paid divided by the applicable Chronic Illness actuarial discount factor, and subtracting the Terminal Illness benefit paid divided by the Terminal Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">There is a minimum Chronic Illness benefit that may be made. The minimum payment will be the least of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5% of the Original Benefit Amount multiplied by the applicable actuarial discount factor; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the balance of the Remaining Benefit Amount multiplied by the applicable Chronic Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">There is a maximum Chronic Illness benefit payment that may be made. The maximum payment will be the least of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">an amount equal to the annual equivalent of the Per Diem Limit (Per Diem Limit is established annually by the Internal Revenue Service);</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">25% of the Original Benefit Amount multiplied by the applicable actuarial discount factor; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the balance of the Remaining Benefit Amount multiplied by the applicable Chronic Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For a Terminal Illness Qualifying Event</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The maximum Terminal Illness benefit payment will be the lesser of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">50% of the Remaining Benefit Amount; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$250,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note: This benefit will only be paid once and will be paid as a lump sum. If you request less than the maximum benefit, the remainder will not be available at a later date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The amount accelerated will be greater than the Terminal Illness benefit payment and will be determined by dividing the requested benefit payment by the applicable Terminal Illness actuarial discount factor. The amount accelerated will not be allowed to exceed the Remaining Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Conditions for Eligibility for Benefit Payments</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: You are eligible to receive an accelerated death benefit payment if the Policy and this Rider are in force when all of the following requirements are met:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Our receipt and approval of the following documentation provided by you:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Certification of either:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Chronic Illness, Written Certification by a Licensed Health Care Practitioner, independent of us, that the Insured is a Chronically Ill individual; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Terminal Illness, Terminally Ill Certification by a Physician that the Insured is Terminally Ill.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A written consent to make such payment from any assignee of record named under the Policy or any Irrevocable Beneficiary named under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We complete, at our discretion and expense, a personal interview with, and an assessment of, the Insured, including examination or tests by a Licensed Health Care Practitioner or Physician of our choice for the Chronic Illness Qualifying Event or for the Terminal Illness Qualifying Event; and our receipt of copies of any relevant medical records from any health care provider involved in the Insured’s care. A Licensed Health Care Practitioner is a Physician, as defined in Section 1861(r)(1) of the Social Security Act, a registered professional nurse, licensed social worker, or other individual who meets such requirements as may be prescribed by the Secretary of Treasury, or qualifications to our satisfaction. If there is a difference in opinion between the Insured's Licensed Health Care Practitioner/Physician and our Licensed Health Care Practitioner/Physician, we will require that a third opinion be obtained from a Licensed Health Care Practitioner/Physician acceptable to us and you. This opinion will be at our expense and will be mutually binding; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Insured is living at the time all of the above requirements are met.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Payment of an accelerated death benefit is due immediately on the date we approve all documentation necessary to satisfy the Conditions for Eligibility for Benefit Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Benefit Requests</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Subject to meeting all Conditions for Eligibility for Benefit Payments, you may request to receive accelerated death benefits under multiple Qualifying Events as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Chronic Illness benefit and then at a later date request to receive the Terminal Illness benefit. In the same Policy Month, you may receive both a Chronic Illness benefit and the Terminal Illness benefit; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Terminal Illness benefit and then at a later date request to receive a Chronic Illness benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Actuarial Discount Factors</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: A Chronic Illness actuarial discount factor will be applied to each Chronic Illness amount accelerated and a Terminal Illness actuarial discount factor will be applied to the Terminal Illness amount accelerated. Actuarial discount factors reflect the early payment of benefits available under the Policy. The actuarial discount factor used will be based on a mortality assumption and an interest rate which has been declared by us in effect on the date the benefit payment is determined. The maximum interest rate used shall not exceed the greater of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current yield on 90 day treasury bills available on the date the benefit payment is determined; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Maximum Statutory Adjustable Policy Loan Interest Rate (as determined by Moody’s Corporate Bond Yield Average or similar method) in effect on the date the benefit payment is determined.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Benefit Periods for Chronic Illness Benefit Payments</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Any Chronic Illness benefit payment will be paid to you at the start of a Benefit Period, which is no later than the first Monthly Anniversary Day following the date we approved all documentation necessary to satisfy all Conditions for Eligibility for Benefit Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will not automatically send documentation to you for written certification to begin a new Benefit Period.  A new Benefit Period may be requested during a current Benefit Period.  However, a new Benefit Period will begin no earlier than the end of the current Benefit Period. A new Benefit Period will begin provided the following requirements are met:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">this Rider is in force;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">you Request a Chronic Illness benefit payment after the current Benefit Period has ended; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">we receive and approve all documentation necessary to satisfy all Conditions for Eligibility for Benefit Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Reduction in Benefit Payment Due to Debt</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Any Chronic Illness benefit or Terminal Illness benefit paid under this Rider will be first used to repay a portion of any outstanding Debt under the Policy. (Debt may also be referred to as Debt in the Policy.) The portion to be repaid will be determined by the product of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">[A / B] * C where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is Debt;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the current Specified Amount immediately prior to a benefit payment; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">C.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is either i. or ii. noted below depending on the Qualifying Event:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Chronic Illness benefit payment divided by the applicable Chronic Illness actuarial discount factor; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Terminal Illness benefit payment divided by the applicable Terminal Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If there is value in the Loan Account, the Loan Account will be reduced by the amount of the reduction in the benefit payment due to the repayment of Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">It’s important to note that this</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;"> Lincoln LifeAssure</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Accelerated Benefits Rider may have an impact on any benefits provided under the following riders:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Monthly Deduction Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the Insured is on Total Disability as provided and defined under any Waiver of Monthly Deduction Rider, we will continue to waive the Monthly Deductions falling due under the Policy once payment of an accelerated death benefit begins under this Rider subject to the Insured’s continued Total Disability.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Enhanced Surrender Value Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once payment of an accelerated death benefit under this Rider begins, the Enhanced Surrender Value Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Premium Reserve Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Once payment of an accelerated death benefit under this Rider begins, you will receive a payment of the Premium Reserve Rider Surrender Value and the Premium Reserve Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit payments will reduce certain values of your Policy and other riders by multiplying such values by a reduction ratio. The values that will be reduced are the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Specified Amount;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Fixed Account Value and/or the value of the Sub-Account(s) will be reduced in the same proportion as the balances are invested in such account(s).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If any No-Lapse Enhancement Rider is attached to the Policy, the following will be reduced:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed Minimum Death Benefit; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Debt will be reduced as noted in the “Reduction in Benefit Payment” provision. Any reduction in policy values and rider values will occur on the Monthly Anniversary Day prior to the Monthly Deduction. The proportion by which the above values will be reduced will be based on a Reduction Ratio, determined as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness Benefit Payments: Each Chronic Illness benefit payment will reduce the above values, in each case, to an amount determined by multiplying each value by a Reduction Ratio of (B-A)/B where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the Chronic Illness benefit payment divided by the applicable Chronic Illness actuarial discount factor, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the current Specified Amount immediately prior to a benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Terminal Illness Benefit Payment: The payment of the Terminal Illness benefit payment will reduce the above values, in each case, to an amount determined by multiplying each value by a Reduction Ratio of (B-A)/B where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the Terminal Illness benefit payment divided by the applicable Terminal Illness actuarial discount factor, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the current Specified Amount immediately prior to the benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Effect of the first request for an accelerated death benefit payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the death of the Insured occurs after the Owner requests to receive accelerated death benefits but before any such benefits are received, the request shall be cancelled and the Death Benefit Proceeds will be paid pursuant to the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Effect on Policy and Riders after the first accelerated death benefit payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Each accelerated death benefit payment will reduce the Specified Amount used to determine the Policy’s Cost of Insurance. As a result, the Cost of Insurance and any Premiums necessary to keep the Policy in force will change.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note: You must continue to pay any Premiums necessary to keep the Policy in force as described in the Policy or in any applicable riders attached to the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will send you a report showing the change in current values under your Policy with each accelerated death benefit payment you receive.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Loan Account, if any, will be reduced as noted in the “Reduction in Benefit Payment” section noted above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the death of the Insured occurs while benefits are being received under this Rider, we will pay the Death Benefit Proceeds, which may be less than the Remaining Benefit Amount, and the Death Benefit Proceeds will be reduced by any decrease in the Remaining Benefit Amount after the date of the Insured’s death.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The rider and all rights provided under it will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy terminates or is surrendered for its Surrender Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date we receive your request to terminate this Rider;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If any No-Lapse Enhancement Rider is attached to the Policy, any increase of the Policy’s Specified Amount will cause this Rider to terminate;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Remaining Benefit Amount is reduced to zero;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy’s Specified Amount and the Remaining Benefit Amount are reduced to zero, which will cause the termination of both this Rider and the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">f.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The death of the Insured which will cause the Death Benefit Proceeds to become payable under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Termination of this Rider shall not prevent the payment of accelerated death benefits for any Qualifying Event that occurred while this Rider was in force except where amounts have been paid or are payable as Death Benefit Proceeds.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Reinstatement</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you have not yet received an accelerated death benefit under this Rider, and the Policy is terminated and reinstated, you may reinstate this Rider as part of your Policy. Such reinstatement will be subject to satisfactory Evidence of Insurability and all other terms and conditions of the Policy. If any accelerated death benefits have been received under this Rider, this Rider may not be reinstated.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Exclusions</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This Rider does not provide an accelerated death benefit for Chronic Illness or Terminal Illness resulting from intentionally self-inflicted injury or attempted suicide, while sane or insane.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Long-Term Care Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Subject to meeting eligibility requirements, this rider provides monthly benefit payments for the reimbursement of expenses incurred by the Insured for Covered Services to the extent that such services are qualified long-term care services prescribed in the Plan of Care. Please see your Policy for additional information. Benefits are provided through the acceleration of your Policy’s death benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Long-Term Care Rider may only be elected at Policy issuance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The availability of this rider is based upon the Insured meeting our underwriting criteria (including the Insured’s age, gender, and the state of the Insured’s health at the time of your application).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may return this rider for any reason to the insurance agent through whom it was purchased, to any other insurance agent of the Company, or to us at the Service Office mailing address shown on the cover of your Policy within 30 days after its receipt. If returned, this rider will be considered void from your Policy Date and we will refund all charges deducted for it as a credit to your Policy within 30 days of the return.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> An Insured may receive benefits under this rider once the following conditions are met:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the total benefits paid to date under this rider must not have reduced the Remaining LTC Benefit Pool to zero;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">written certification within the preceding 12-month period from a Licensed Health Care Practitioner that the Insured is Chronically Ill;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a Plan of Care (a written document which outlines individualized medical treatment; please see your Policy and rider for additional information) prescribed by a Licensed Health Care Practitioner for Covered Services is received at least every 12 months; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">all claim forms and written notifications are submitted and in Good Order.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An Insured who is Chronically Ill is unable to perform without substantial assistance at least two activities of daily living for at least 90 days (i.e. bathing, continence, dressing, eating, toileting and transferring); or requires substantial supervision to protect the Insured from health and safety caused by a severe cognitive impairment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Benefits will be paid under this rider for as long as:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. the above listed Eligibility Conditions of this rider are met;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">b. the requirements of the “Claims” section of this rider are satisfied;</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. any claim is either:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(i) for reimbursement of cost incurred and actually paid by the Insured for Covered Services which are Qualified Long-Term Care Services prescribed in the Plan of Care and that have not already been reimbursed by us; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(ii) for payment of Transitional Care Assistance Benefits for days on which the Insured received Transitional Care Assistance only, meaning that the Insured did not receive any other Covered Service or combination of Covered Services on that same calendar day; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. this rider remains in force. This condition does not apply to benefits received under the “Benefits After Lapse”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">provision in this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If we determine that the Insured no longer meets the requirements of being Chronically Ill, all benefit payments will stop. Should the Insured later be recertified as being Chronically Ill and meet all conditions for the payment of benefits under this rider, benefit payments will resume subject to the Remaining LTC Benefit Pool.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">There is no deductible period or elimination period which must be satisfied in order to be eligible for benefits under this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Benefits Available</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The amounts we reimburse you are subject to a monthly maximum dollar amount that can be accelerated each Policy month (the “Maximum Monthly LTC Benefit Amount”) which is based on amounts specified by you (the “LTC Specified Amount” and the “Maximum Monthly LTC Benefit Percentage” is based on our selection at issue of either 2% or 4% and cannot be changed after issue), all of which are shown in your Policy Specifications. The LTC Specified Amount you choose at issue is used in determining the LTC Benefit Pool that may be accelerated to reimburse the long-term care expenses for benefits covered by this rider. The LTC Benefit Pool is multiplied by the Maximum Monthly LTC Benefit Percentage to determine the Maximum Monthly LTC Benefit Amount. Please refer to your Policy Specifications for details. We will pay an amount not to exceed the Maximum Monthly LTC Benefit Amount no less frequently than once each Policy Month until the Remaining LTC Benefit Pool equals zero to reimburse the costs for any Covered Service(s). The amount available as a benefit will be equal to the lesser of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The LTC Benefit Pool is equal to the lesser of (a) or (b) where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">equals the LTC Specified Amount, proportionately adjusted for any increases or decreases to the Policy Death Benefit Proceeds due to:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1. Impacts of the Corridor Percentages Table, or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. Adjusted for withdrawals or other Policy changes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">equals the LTC benefit cap shown in the Policy Specifications</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In any Policy Month in which you are eligible to receive benefits under this rider, the maximum amount available as a benefit under this rider is equal to the lesser of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. an amount equal to (1) plus (2), where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) equals the sum of costs incurred and actually paid by the Insured for Covered Services for the calendar month which have not already been reimbursed by us; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2) equals the daily Transitional Care Assistance Benefit shown in the Policy Specifications multiplied by the number of days in the calendar month in which Transitional Care Assistance was received;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. the amount you request;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. the Maximum Monthly LTC Benefit Amount; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. the Remaining LTC Benefit Pool.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If there is an outstanding Debt, the benefit paid under this Rider will first be used to repay a portion of the Debt. Benefits paid for any Covered Service or combination of Covered Services will reduce the Remaining LTC Specified Amount dollar for dollar.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any benefits payable for facilities outside the United States are subject to additional limitations. Please see your Policy and rider for additional information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Covered Services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The following is a list of Covered Services eligible for reimbursement under this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Adult day care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Assisted living facility services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Bed reservation</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Care planning services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Caregiver training</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Home health care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Hospice services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Nursing home care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Respite care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Alternative care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Non-continual services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Transitional Care Assistance</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Exclusions</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: This rider does not provide benefits for:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">treatment or care due to alcoholism or drug addiction;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">treatment for attempted suicide or an intentionally self-inflicted injury;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">treatment provided in a Veteran’s Administration or government facility;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">loss to the extent that benefits are payable from governmental programs or other insurance programs;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">confinement or care received outside the United States other than benefits for nursing home care services and assisted living facility services;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">f.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">services provided by a facility or an agency that does not meet this rider’s definition for such facility or agency as described in the “Covered Services” section of this rider; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">g.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">services provided by the Insured’s or Owner’s immediate family member, except as provided in the Transitional Care Assistance provision; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">h.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">services for which no charge is or would normally be made in the absence of insurance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Impact of Policy Transactions</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Increases and Decreases to Policy Specified Amount: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The LTC Specified Amount cannot be increased. A request to decrease your Policy’s Specified Amount </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">will</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> reduce the Remaining LTC Specified Amount only if your Policy’s Specified Amount following the decrease is less than the Remaining LTC Specified Amount. In this situation, the Remaining LTC Specified Amount will be reduced to equal your Policy’s Specified Amount following the decrease.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Partial Surrender (Withdrawal): </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Partial Surrender under your Policy will reduce the remaining LTC Specified Amount by the same amount that the Specified Amount is reduced.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Addition of Riders or Increase to Benefits of Existing Riders: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once a benefit payment has been made under this rider, you may not add any riders or increase the benefits under any rider already attached to your Policy as long as this rider remains in force.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">It’s important to note that if any of the following riders are in effect, this Long-Term Care Rider may have an impact on any benefits provided under the following riders:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Accelerated Benefits Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">YOU CANNOT RECEIVE BENEFITS UNDER MORE THAN ONE ACCELERATION OF BENEFITS RIDER ATTACHED TO YOUR POLICY, EVEN IF MULTIPLE ACCELERATION OF BENEFITS RIDERS ARE ATTACHED. Therefore, receipt of a benefit under the Long-Term Care Rider will be considered a request to terminate any other Accelerated Benefits Rider attached to your Policy. Likewise, receipt of a benefit under any Accelerated Benefits Rider attached to your Policy will be considered a request to terminate the Long-Term Care Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Change of Insured Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider is not available if you have chosen the Long-Term Care Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Enhanced Surrender Value Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Upon receipt of a benefit under the Long-Term Care Rider, the Enhanced Surrender Value Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Overloan Protection Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Election of the Overloan Protection Feature described in the Overloan Protection Rider will be considered a request to terminate the Long-Term Care Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Premium Reserve Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Upon receipt of a benefit under the Long-Term Care Rider, you will receive a payment of the Premium Reserve Rider Surrender Value and the Premium Reserve Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Monthly Deduction Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the Insured is on “total disability” as defined under any Waiver of Monthly Deduction Rider, we will continue to waive the monthly deductions falling due under your Policy once payment of benefits begin under the Long-Term Care Rider, subject to the Insured’s continued total disability. If not already on total disability, the Insured may qualify for benefits under any waiver of monthly deduction rider after payment of benefits have already begun under the Long-Term Care Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">No-Lapse Enhancement Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the No-Lapse Enhancement Rider is attached to your Policy, the following will apply:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For purposes of determining the No-Lapse Value Monthly Deduction and the No-Lapse Value Cost of Insurance:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In lieu of adding any charges for the Long-Term Care Rider to the No-Lapse Value Cost of Insurance calculation, the No-Lapse Value Monthly LTC Rider Charge and No-Lapse Value Monthly Administrative LTC Rider Fee (please see your Policy and rider for additional information) become part of the No-Lapse Value Monthly Deduction described in the No-Lapse Enhancement Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value LTC Rider Cost of Insurance Rates shown on your Policy Specifications will not change.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value Monthly Administrative LTC Rider Fee as of your Policy Date and duration are shown on your Policy Specifications and will not increase.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For purposes of determining the Reset Account Value Monthly Deduction and the Reset Account Value Cost of Insurance:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In lieu of adding any charges for the Long-Term Care Rider to the Reset Account Value Cost of Insurance calculation, the Reset Account Value Monthly LTC Rider Charge and Reset Account Value Monthly Administrative LTC Rider Fee (please see your Policy and rider for additional information) become part of the Reset Account Value Monthly Deduction described in the No-Lapse Enhancement Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value LTC Rider Cost of Insurance Rates shown on your Policy Specifications will not change.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value Monthly Administrative LTC Rider Fee as of your Policy Date and duration are shown on your Policy Specifications and will not increase.</span><span style="font-family:Arial Narrow;font-size:10pt;">For purposes of determining the LTC Benefit available to you, if Guaranteed Minimum Death Benefit Option 1,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">if available and is selected, the amount of LTC benefit</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">will be limited based on the Maximum Monthly LTC Benefit Percentage that you select at issue. The benefit will equal the lesser of 50% of the Initial Specified Amount or the LTC Benefit cap.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Impact Of Debt On Benefit Payments</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A benefit paid under this rider will be first used to repay a portion of any outstanding debt under your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The portion to be repaid will equal the sum of (1) plus (2), divided by (3), then multiplied by (4), where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the balance in the Loan Account;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is any accrued loan interest not yet charged;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is your Policy’s Specified Amount immediately prior to the benefit payment; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the amount of the benefit payment prior to the reduction to repay Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If there is value in the Loan Account (also known as the Collateral Account), the Loan Account will be reduced by the amount of the benefit payment used to repay Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Impact Of Benefit Payments On Policy</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Policy and Rider Values: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Benefit payments will reduce certain values of your Policy and other riders by multiplying such values by a reduction ratio. The following values will be reduced:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Specified Amount;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Fixed Account Value and/or Sub-Account(s) will be reduced in the same proportion as the balances are invested in such account(s).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If any No-Lapse Enhancement Rider is attached to your Policy, the following will be reduced:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the No-Lapse Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Reset Account Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Guaranteed Minimum Death Benefit; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Reset Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Debt will be reduced as described in the “Reduction in Benefit Payments Due to Debt” provision. The reduction ratio used is equal to (1) minus (2), then divided by (1), where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is your Policy’s Specified Amount immediately prior to the benefit payment; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the amount of the benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">LTC Benefit Pool Acceleration: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the date a claim is approved, the LTC Benefit Pool will be fixed and will not change for the duration of the claim. All LTC acceleration payments will be paid from the Remaining LTC Benefit Pool described in the “Benefits Available” provision.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once your claim is approved, we will transfer any Accumulation Value from the Separate Accounts to the Fixed Account. Any applicable transfers will be made at the end of the Valuation Day following approval of your claim. While LTC benefits are being paid, allocation of Accumulation Value will not be allowed into any Separate Account and all Premium Payments received will be allocated to the Fixed Account. Allocation Requirements described in the Policy or attached riders will not apply once a claim is approved and until LTC benefits are no longer being paid.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">New Loans and Partial Surrenders (Withdrawals): </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In any Policy Month in which a benefit under this rider is paid, we will not grant a new loan or allow a Partial Surrender against your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Availability of Policy Death Benefit Proceeds: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While receiving benefits under this rider, except for Caregiver Training, your Death Benefit Proceeds will never be less than the Remaining LTC Benefit Pool minus Debt. If the Insured dies while receiving benefits under this rider, we reserve the right to withhold payment of any Death Benefit Proceeds that would otherwise be payable until we have verified that we have received all remaining claims for Covered Services. Any Death Benefit Proceeds paid may include interest as required by applicable law.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">When LTC benefits are no longer being paid: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If we determine that the Insured no longer meets the requirements of being Chronically Ill, has not filed a subsequent claim, or received reimbursement for Covered Services for a minimum of a continuous 90-day period, or at your request, we will close your claim. Prior to closing your claim, we will send your written notification. Once your claim is closed, the LTC Benefit Pool will no longer be fixed and may be adjusted.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">You may submit a request to reallocate any Accumulation Value in the Fixed Account once your claim is closed. Transfer limitations from the Fixed Account will be waived for this request.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lapse and Lapse Protection</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Rider Charges and Fees: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Monthly LTC Rider Charge and Monthly Administrative LTC Rider Fee, including those used in the calculation of the No-Lapse Enhancement Rider will not be deducted on the Monthly Anniversary Day immediately following the date a benefit under this rider is paid. Monthly Deductions for the Policy and any other riders will continue, subject this rider’s “Policy and Rider Lapse Protection” provision (as described below).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Policy and Rider Lapse Protection: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your Policy would otherwise enter the Grace Period on any Monthly Anniversary Day immediately following the date a benefit under this rider is paid, the entire Monthly Deduction described in your Policy, including all Monthly Deductions for any No-Lapse Enhancement Rider attached to your Policy, will be waived, and your Policy and this rider will not lapse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Death Benefit Proceeds available while your Policy is kept in force under this provision will be limited to no more than the Remaining LTC Specified Amount minus Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once benefits under this rider are no longer being paid, you may have to pay additional Premium and/or repay outstanding Debt to prevent your Policy from Lapsing.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Grace Period: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Your Policy and this rider will enter the Grace Period as described in your Policy’s “Grace Period”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">provision, subject to the No-Lapse Enhancement Rider under your Policy and this rider’s “Waiver of Rider Charges and Fees” and “Policy and Rider Lapse Protection Feature” provisions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Benefits After Lapse: </span><span style="font-family:Arial Narrow;font-size:10pt;">If your Policy Lapses, we will continue to reimburse costs incurred for such services subject to the terms and conditions of this rider if the confinement began while this rider was in force and continues without interruption after the Policy and rider terminate. Please refer to your rider for additional information.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Reinstatement of Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In the event of a lapse, subject to meeting the criteria in the Rider, your Policy may be reinstated.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> This Rider will not be reinstated if the Policy Lapses and is reinstated more than 6 months after the date of Lapse. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Please refer to your rider for additional information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Claims</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We must receive notice of your claim within 60 days after the date the covered loss starts. (State variations may apply.) Please see your Policy and rider for additional information. Once you have notified us of your intent to file a claim, we will provide the forms you need to complete to file the claim. You must return the completed, signed forms to us to the address provided on the forms. If we determine that the claim is eligible for payment, we will pay the claim directly to you, or if requested, to the service provider. All payments will be made no less frequently than once per Policy Month.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once you begin receiving benefits, we reserve the right, from time to time, to verify that the Insured and the Insured’s care providers meet all eligibility requirements of this rider. The Insured must be reassessed by his or her Licensed Health Care Practitioner, at least once every 12 months, and certify to us that the Insured remains Chronically Ill. Generally, Proof of loss (reasonably determined by us) must be received within 30 days after the end of each Policy Month for which benefits are sought.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will inform you, in writing, if your claim or any part of your claim has been denied and provide you with an explanation for the denial as soon as reasonably possible. If you do not agree with our decision, you have the right to appeal. Any request to appeal must be made in writing and must include any and all information you believe necessary for our consideration of the appeal. If we discover any fraudulent act or acts in connection with a claim, we shall have the right to recover any payments and/or to decline to continue paying benefits that result from such fraudulent act or acts.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Tax Treatment of Benefits</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider is intended to be a qualified long-term care insurance contract under Section 7702B of the Internal Revenue Code of 1986, as amended. The benefits paid under this rider are intended to be treated as accelerated death benefits for federal tax purposes on the life of a chronically ill insured person receiving qualified long-term care services within the meaning of section 7702B(c)(1) of the Code.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The benefits paid under this rider are intended to qualify for exclusion from income subject to limitations. Generally, long-term care payments from all sources with respect to an insured person will be limited to the higher of the annual per diem limit or the amount of actual qualifying long-term care expenses, reduced by any reimbursements received for the qualifying long-term care services provided for the insured.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charges for the Rider will be deducted from the cash value of the life insurance policy. In accordance with Code section 72(e)(11), these deductions will reduce your investment in the contract (but not below zero) and will not be included in income even if you have recovered all of your investment in the contract. If the life insurance policy is owned by a person other than the insured, benefit payments may not meet the requirements for favorable tax treatment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This discussion of the tax treatment of the long-term care rider is not meant to be all inclusive. Due to the complexity of these tax rules, you are encouraged to consult your legal or tax advisor regarding these matters.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination of Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The rider and all rights under it will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date we receive your request to return it under this rider’s right to examine provision;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Valuation Day on or next following the date we receive your request to terminate your Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Monthly Anniversary Day on or next following the date we receive your election of the Overloan Protection Feature under the Overloan Protection Rider, if attached;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Monthly Anniversary Day on or next following the date you receive a benefit under any other Acceleration of Benefits Rider attached to your Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date the Remaining LTC Benefit Pool is reduced to zero;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date your Policy’s Specified Amount and the Remaining LTC Benefit Pool are both reduced to zero, which will cause the termination of both this rider and your Policy; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date the Insured dies, which will cause the Death Benefit Proceeds to become payable under your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charges and fees deducted for this rider on the Monthly Anniversary Day immediately preceding the date your Policy and this rider terminate in accordance with items (2) or (7) above will be returned as a credit to your Policy.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Bonus Rider</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">.</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">This Rider is not available for applications received on or after November 13, 2023.</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">You must apply for this rider at the time you apply for your Policy. The rider can provide a Bonus Rider Benefit Amount if the Bonus Rider Conditions are met. The Bonus Rider Benefit Amount uses the change in value of the S&amp;P 500 Index to calculate a credit that will be applied to the Separate Account Value or Fixed Account Value, subject to the change in the value of the Index and certain factors as shown in your Policy Specifications.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The current Index that is being used to calculate the Bonus Rider is the S&amp;P 500 Index. If an Index is discontinued, or if an Index calculation changes substantially, we will select an alternative Index and you will be provided with a supplement to your prospectus in the event that such a change is made. The S&amp;P 500 Index is a product of S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global, or its affiliates (“SPDJI”), and has been licensed for use by The Lincoln National Life Insurance Company. Standard &amp; Poor’s</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> and S&amp;P</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> are registered trademarks of Standard &amp; Poor’s Financial Services LLC, a division of S&amp;P Global (“S&amp;P”); Dow Jones</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The Lincoln National Life Insurance Company’s product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&amp;P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&amp;P 500 Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">The rider’s benefits:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Subject to the Bonus Rider Conditions described below, and following the Policy’s Right to Examine Period, beginning on the Initial Bonus Option Start Date (the 15th day of the calendar month or the next business day, if this day coincides with a weekend, customary holiday, or a date in which the New York Stock Exchange is closed) and each Bonus Option Start Date (the 15th of each subsequent calendar month following the Initial Bonus Option Start Date) that this Rider is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">active</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, this Rider subtracts a portion of the Separate Account Value (the “Bonus Rider Charge”) and creates an Open Bonus Option. The new Open Bonus Option will credit a Bonus Rider Benefit Amount, if any, to the Accumulation Value on its Bonus Option Maturity Date. If this Rider is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">inactive</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, a monthly Bonus Rider Charge will not be subtracted from the Separate Account Value and Bonus Options will not be opened on subsequent Bonus Option Start Dates.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each calendar month this Rider is in force, you can elect to have this Rider be active or inactive. We must receive your election no later than two business days prior to a Bonus Option Start Date. If we receive your election to make this Rider active one business day prior to, or on a Bonus Option Start Date the activation will be delayed until the next available Monthly Bonus Option Date. If we receive your Election to make this Rider inactive one business day prior to, or on a Monthly Bonus Option Date the deactivation will be delayed until the next available Monthly Bonus Option Date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each Bonus Option has a Bonus Option Duration which is the length of time it takes for a Bonus Option to mature. The Bonus Option Duration is shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Bonus Rider conditions: In order for a Bonus Option to be started, the following conditions must be met on the Initial Bonus Option Start Date and each Bonus Option Start Date:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. The Policy must be in force;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. The Bonus Rider must be active;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. The Policy must have Separate Account Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. The Policy is not in a grace period;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. The Policy’s death benefit is not being accelerated under any Long-Term Care Rider; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">f. The Insured is living.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In order for you to receive a Bonus Rider Benefit Amount, the following conditions must be met on a Bonus Option Maturity Date:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. The Policy must be in force; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. The Insured is living.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any Bonus Rider Benefit Amount will be applied as explained in the ”Payment of Bonus Rider Benefit Amount” provision below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we calculate the Bonus Rider Benefit Amount:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> One business day prior to the Initial Bonus Option Start Date and one business day prior to each subsequent Bonus Option Start Date that the Bonus Rider Conditions are met a monthly Bonus Rider Charge will be subtracted from the Separate Account Value. The Bonus Rider Charge will be subtracted from any Sub-Account(s) in the same proportion as the balances invested in the total of such Sub-Account(s) as of the Bonus Option Date. The Bonus Rider Charge is determined as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. the monthly Bonus Rider Charge Rate shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. multiplied by the Separate Account Value on the Bonus Option Start Date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Bonus Rider Charge will not be subtracted from the Policy’s Fixed Account; it will only be subtracted from the Separate Account Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If any No-Lapse Enhancement Rider is attached to the Policy and in force, the No-Lapse Value Premium Load used to calculate the No-Lapse Value will be increased due to the presence of the Bonus Rider at issue. The No-Lapse Value Premium Load will not be increased after the Policy is issued or decreased if the Bonus Rider is terminated. The No-Lapse Value Premium Load is used in calculating the No-Lapse value, which is separate and distinct from the Bonus Rider Charge taken from the Separate Account Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on Death Benefit Proceeds:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If your Policy has Separate Account Value on a Bonus Option Maturity Date, any Bonus Rider Benefit Amount will be applied to the Sub-Account(s) in the same proportion as the balances invested in the total of such account(s) as of the Bonus Option Maturity Date. If your Policy does not have Separate Account Value on a Bonus Option Maturity Date, any Bonus Rider Benefit Amount will be applied to the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on the Policy’s Grace Period:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Policy is in a Grace Period and this Rider is active, Bonus Options will not be started. However, if the Policy is in a Grace Period on a Bonus Option Maturity Date, any Bonus Rider Benefit Amount will be applied to the Accumulation.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact of Policy Surrender:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If you request a Full Surrender of your Policy with any Bonus Option(s) that have not reached their Bonus Option Maturity Date(s), you will not receive any Bonus Rider Benefit Amount(s) for those Bonus Option(s).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact of Death:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Insured’s death occurred with any Bonus Option(s) that have not reached their Bonus Option Maturity Date(s), you will not receive any Bonus Rider Benefit Amount(s) for those Bonus Option(s).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact of Other Riders and Benefits:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If any of the following Riders are attached to your Policy, the Riders may have an impact on the Bonus Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Monthly Deduction Benefit Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Insured is on Total Disability, as provided and defined under any Waiver of Monthly Deduction Rider, the Bonus Rider will be inactive.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Long-Term Care Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> While the Policy’s death benefit is being accelerated under any Long-Term Care Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1. No Bonus Rider Charge will be subtracted from the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. No new Bonus Options will be started; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3. If there are any Bonus Option(s) when acceleration of the Policy’s death benefit begins, any Bonus Rider Benefit Amount(s) will be applied to the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4. If acceleration of the Policy’s death benefit stops under the Long-Term Care Rider, and you transfer Accumulation Value into the Sub-Account(s), but the Bonus Rider is inactive, you can submit an election to activate the Bonus Rider subject to the Bonus Rider active and inactive elections.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5. If acceleration of the Policy’s death benefit stops under the Long-Term Care Rider, you transfer Accumulation Value into the Sub-Account(s), and the Bonus Rider is still active, the Bonus Rider Charges will resume on the next Bonus Option Start Date following the end of the acceleration of the Policy’s death benefit and Bonus Option(s) will be opened subject to the Bonus Rider conditions provision above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Reinstatement of this Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Policy terminates and is reinstated following Lapse, this Rider will be permanently inactive. Upon reinstatement, you will not receive any Bonus Rider Benefit Amount(s) for any Bonus Options that reached their Bonus Option Maturity Date(s) while the Policy was terminated. If this Rider is reinstated with any Bonus Option(s) that have not reached their Bonus Option Maturity Date(s) the crediting of any Bonus Rider Benefit Amount(s) will be applied to the Accumulation Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When will this Rider terminate: This Rider and all rights under it will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. The termination or lapse of the Policy; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. The Policy Anniversary immediately prior to the Insured’s Attained Age 121.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Change of Insured Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">  With this rider, you may name a new Insured in place of the current Insured. Underwriting and policy value requirements must be met. The benefit expires on the anniversary nearest to the current Insured’s 65</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> birthday. There is no separate charge for this rider; however, policy charges applicable to the new Insured may differ from charges applicable to the current Insured. Exercising the Change of Insured Rider is a fully taxable event to the extent that there is taxable gain at the time of the change of Insured.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Enhanced Surrender Value Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If desired, you must select this rider when you initially apply for insurance. The rider provides an enhanced Surrender Value without imposition of a Surrender Charge if you fully surrender your Policy during the first five Policy Years (the “Enhanced Surrender Value Period”). This rider does not provide for enhanced Surrender Value for Partial Surrenders, loans, or in connection with the exchange of this Policy for any other policy. This rider will terminate at the earliest of the Full Surrender of the Policy for the benefit provided by this rider; the end of the fifth Policy Year; lapse of the Policy; or exchange, replacement, or any termination of the Policy except for the benefits provided by the Change of Insured Rider. In Policy Years 2-5, there will be a monthly charge per $1,000 of Initial Specified Amount for this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Policy is fully surrendered at any time during the Enhanced Surrender Value Period, the Surrender Value payable on the date your Policy is surrendered will equal:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Policy's Accumulation Value; minus</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following example demonstrates hypothetical Accumulation Values and Surrender Values with and without the Enhanced Surrender Value Rider during the first five Policy Years of the Policy described below:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Sample Policy</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Insured: Male Standard Non-tobacco, age 45</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Specified Amount: $1,000,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Planned annual Premium Payment: $35,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No Debt</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Assumed Investment Return: 8.00% gross (7.49% net)*</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:54pt;width:348pt;"> <tr style="height:25.75pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:20.72pt;margin-right:12pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">End of Year</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12pt;margin-right:12pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Accumulation</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value Without</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">ESV Rider</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12pt;margin-right:12pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Surrender</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value Without</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">ESV Rider</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12pt;margin-right:12pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Accumulation</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value With</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">ESV Rider</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12pt;margin-right:20.72pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Surrender</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value With</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">ESV Rider</span></div></div></div></td></tr> <tr style="height:13.25pt;"> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$29,240</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$0</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$29,240</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$29,240</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$60,214</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$26,644</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$59,437</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$59,437</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$93,040</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$60,190</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$91,433</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$91,433</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$127,915</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$95,795</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$125,421</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$125,421</span></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5</span></div></div></td> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$165,017</span></div></div></td> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$133,637</span></div></div></td> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$161,577</span></div></div></td> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$161,577</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">*</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Assumed Investment Return shown is illustrative only.  Your investment return may be higher or lower than the rate used to create this table.  The table is intended to illustrate the effect(s) of the application of the ESV Rider on policy values and is not intended to imply that a purchaser can expect to achieve the values shown.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deduction Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If desired, you must select this rider when you initially apply for insurance. Monthly Deductions will be waived during periods of covered total disability commencing prior to the Policy Anniversary nearest the Insured’s 65</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> birthday. Charges for this rider, if elected, are part of the Monthly Deductions.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Policy Loans.</span><span style="font-family:Arial Narrow;font-size:10pt;"> Outstanding Policy Loans and accrued interest reduce the Policy's death benefit and Accumulation Value. We may limit the amount of your loan so that total Debt under the Policy will not exceed 90% of an amount equal to the Accumulation Value less Surrender Charge. If at any time the total Debt against your Policy, including interest accrued but not due, equals or exceeds the then current Accumulation Value less Surrender Charges, the Policy will terminate subject to the conditions in the Grace Period provision, unless the provisions of the No-Lapse Enhancement Rider are preventing policy termination. If your Policy lapses while a loan is outstanding, the borrowed amount may be taxable to you to the extent your Policy's value exceeds your basis in the Policy. Amounts transferred to the Loan Account do not participate in the performance of the Sub-Accounts or the Fixed Account. There may be adverse tax consequences if your Policy lapses with an outstanding loan balance. Please see “POLICY LOANS” section for additional information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Optional Sub-Account Allocation Programs</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may elect to participate in Dollar Cost Averaging or Automatic Rebalancing as described on an allocation form provided by us. There is currently no charge for these programs. You may participate in only one program at any time.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Dollar Cost Averaging</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">systematically transfers amounts during the first Policy Year from the money market Sub-Account or the Fixed Account. Transfer allocations may be made to one or more of the Sub-Accounts (not the Fixed Account) on a monthly basis. These transfers do not count against the free transfers available. By making allocations on a regularly scheduled basis, instead of on a lump sum basis, you may reduce exposure to market volatility. Dollar Cost Averaging will not assure a profit or protect against a declining market.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If Dollar Cost Averaging is desired, it must be elected at issue.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Dollar Cost Averaging terminates automatically:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if the value in the money market Sub-Account  or the Fixed Account is insufficient to complete the next transfer;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7 calendar days after our Administrative Office receives a request for termination in writing or by telephone, with adequate authentication;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the first Policy Anniversary; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if your Policy is surrendered or otherwise terminates.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">From time to time, we may offer special interest rate programs for Dollar Cost Averaging. Please consult your registered representative to determine the current availability and terms of these programs. We reserve the right to modify, suspend or terminate a Dollar Cost Averaging program. Any changes will not affect Owners currently participating in the Dollar Cost Averaging program.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Automatic Rebalancing</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">periodically restores to a pre-determined level the percentage of policy value allocated to the Fixed Account and each Sub-Account. The pre-determined level is the allocation initially selected on the allocation form provided by us, until changed by the Owner. Your Policy will be issued with Automatic Rebalancing. When Automatic Rebalancing is in effect, all Net Premium Payments allocated to the Sub-Accounts and Fixed Account will be subject to Automatic Rebalancing. Transfers among the Sub-Accounts and the Fixed Account as a result of Automatic Rebalancing do not count against the number of free transfers available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Automatic Rebalancing provides a method for reestablishing fixed proportions among your allocations to your Sub-Accounts and Fixed Account on a systematic basis. Automatic Rebalancing helps to maintain your allocation among market segments, although it entails reducing your policy values allocated to the better performing segments. Therefore, you should carefully consider market conditions and the investment objectives of each Sub-Account and Underlying Fund at the time you make your Premium Payment allocations which will also be used for Automatic Rebalancing.</span><br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Automatic Rebalancing is available only on a quarterly basis. Automatic Rebalancing may be terminated, or the allocation may be changed at any time, by contacting our Administrative Office. Terminating Automatic Rebalancing will terminate the No-Lapse Enhancement Rider attached to your Policy. Refer to the “Riders” section of this prospectus for more information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note that maintaining Automatic Rebalancing on a quarterly basis and complying with the allocation requirements described above in the “No-Lapse Enhancement Rider” section under “Allocation Requirements”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">section and below in the “Appendix B: Current Investment Restrictions for Optional Benefits - No-Lapse Enhancement Rider” are required to keep the No-Lapse Enhancement Rider in force.</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Continuation of Coverage</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Insured is still living at age 121, and the Policy is still in force and has not been surrendered, the Policy will remain in force until policy surrender or death of the Insured. There are certain changes that will take place:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">1)</span><span style="font-family:Arial Narrow;font-size:10pt;">we will not accept Premium Payments;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">we will make no further deductions;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">policy values held in the Separate Account will be transferred to the Fixed Account;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">we will continue to credit interest to the Fixed Account;</span><span style="font-family:Arial Narrow;font-size:10pt;">5)</span><span style="font-family:Arial Narrow;font-size:10pt;">we will not transfer amounts to the Sub-Accounts; and</span><span style="font-family:Arial Narrow;font-size:10pt;">6)</span><span style="font-family:Arial Narrow;font-size:10pt;">we will not allow any changes to the Specified Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">However, loan interest will continue to accrue. Provisions may vary in certain states.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This provision will not continue any rider attached to this Policy beyond the date for such rider’s termination, as provided in the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If this Policy is in the Grace Period at the Insured’s Attained Age 121, you will need to pay the minimum amount required to remove this Policy from the Grace Period in order to guarantee continuation of this Policy beyond the Insured’s Attained Age 121.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Termination of Coverage</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">All policy coverage terminates on the earliest of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Full Surrender of the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">death of the Insured; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">failure to pay the necessary amount of Premium to keep your Policy in force.</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">State Regulation</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The state in which your Policy is issued will govern whether or not certain features, riders, charges, restrictions, limitations and fees will be allowed in your Policy. You should refer to your Policy for these state specific features. All material state variations are discussed in this prospectus, however, non-material variations may not be discussed. Please contact the Administrative Office or your registered representative regarding availability.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:273pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">No-Lapse </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhancement </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prevents lapse if the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy’s Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value is insufficient </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to cover the Monthly </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Deductions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically issued at Policy purchase.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">You may not allocate Accumulation Value and </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Premium Payments to the money market Sub-</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Account except for purposes described in the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Right </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">to Examine Period</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">” section, as an account from which </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">to transfer funds for the Dollar Cost Averaging </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">program as described in the section headed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Optional </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Sub-Account Allocation Programs</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">”, and in the event </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of a fund liquidation as described in the section </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">headed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Sub-Account Availability and Substitution of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Funds</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">”.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">For applications received on or after November 13, </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">2023, the Guaranteed Minimum Death Benefit Option </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">1 is not available.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">For applications received on or after May 15, 2023, </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">significant investment restrictions apply so long as </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the rider remains in effect.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maintaining Automatic Rebalancing with the </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">applicable allocation requirements, as described in </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">this prospectus, is required to keep this rider in force.</span></div></div></td></tr> <tr style="height:199.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Overloan </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protection Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides that your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy will not lapse </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">solely based on Debt </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exceeding the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically issued at Policy purchase if Guideline </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Premium Test is chosen. Not available if Cash Value </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Test is chosen.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Once you exercise the benefit, the following changes </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">will be made to your Policy:</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">We will no longer allow Premium Payments, Partial </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Surrenders, or changes to the Specified Amount.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">All other riders will be terminated.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">No additional Monthly Deductions will be taken.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The Separate Account Value will be transferred to the </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Fixed Account.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The Policy will become paid-up insurance (i.e. no </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">further payment will be required).</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:173pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserve </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to pay </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some Premiums that </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">accumulate in the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">same manner as if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">they had been </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">allocated to your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy without being </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">subject to all Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">charges and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses. The </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserves, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in turn, can be used </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to prevent the Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">from lapsing.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically issued at Policy purchase in states </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">where it is available.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Premiums allocated to the Premium Reserve Rider do </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">not increase the Policy’s Accumulation Value and, </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">therefore, will not decrease the Net Amount at Risk.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If the entire Premium Reserve is transferred to </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prevent a lapse, the rider will terminate, and no future </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Premium Payments to the rider are permitted.</span></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Automatic </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To periodically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">restore Sub-Account </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exposure to a pre-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">determined level </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">selected by the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">policyholder to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce potential risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of exposure to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">market volatility.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Is only available on a quarterly basis.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Must be maintained on product to keep No-Lapse </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Enhancement rider (see Riders).</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Can be terminated; however will terminate No-Lapse </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Enhancement rider (see Riders).</span></div></div></td></tr> <tr style="height:277.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Basic Accelerated </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Riders</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advances a portion </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the death benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">upon Insured being </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Terminally Ill, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">critically ill or </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">confined to a nursing </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">home.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Version 1: available at Policy purchase or anytime </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">thereafter; Version 2: available at Policy purchase </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability is subject to underwriting criteria </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(including age and state of health).</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Terminal illness coverage is up to 50% of the death </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">benefit.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Nursing Home Confinement coverage is up to 40% of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the death benefit.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Terminal Illness coverage and Nursing Home </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Confinement coverage is subject to an overall </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">maximum of $250,000.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Version 2: critical illness coverage is 5% of the death </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">benefit not to exceed $25,000 upon the occurrence of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the first critical illness.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The illness or confinement must meet conditions of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Rider to qualify for payments.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Benefits received from this rider will terminate any </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">other Accelerated Benefit rider.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:135pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LifeEnhance</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advances payment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of up to 100% of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Original Benefit upon </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the occurrence of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">chronic or terminal </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">illness.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Start of benefit payments will terminate the Premium </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Reserve Rider and Enhanced Surrender Value Rider, if </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">applicable.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability subject to underwriting criteria (including </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">age and state of health) at time of Policy purchase </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The chronic illness or terminal Illness, must meet </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">conditions of the Rider to qualify for payments.</span></div></div></td></tr> <tr style="height:177pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LifeAssure</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advances up to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100% of the Original </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit upon the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">occurrence of a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">chronic or terminal </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">illness.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Start of benefit payments will terminate the Premium </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Reserve Rider and Enhanced Surrender Value Rider, if </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">applicable.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability subject to underwriting criteria (including </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">age and state of health) at time of Policy purchase </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The chronic or terminal illness, must meet conditions </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of the Rider to qualify for payments.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Benefit payments received will be less than the </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amount accelerated because each payment is subject </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">to a discount factor for early payment.</span></div></div></td></tr> <tr style="height:217.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides monthly </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefit payments for </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the reimbursement </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of expenses incurred </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">by the Insured for </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Covered Services.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Start of benefit payments will terminate any other </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accelerated Benefit Rider, Enhanced Surrender Value </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Rider and Premium Reserve Rider.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If you exercise any other Accelerated Benefit Rider or </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Overloan Protection Rider, this rider will </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">terminate.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Amounts we reimburse are subject to a monthly </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">maximum dollar amount that can be accelerated each </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Policy Month.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability is subject to underwriting criteria </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(including age and state of health) at time of Policy </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The long-term care services must meet conditions of </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Rider to qualify for reimbursement.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:159pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bonus Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Uses a portion of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Separate Account </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value to create an </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Open Bonus Option. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The new Open Bonus </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option will credit a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bonus Rider Benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount, if any, to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Accumulation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value on its Bonus </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option Maturity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">This rider is not available for applications received on </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">or after November 13, 2023.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If the Insured is on total disability as provided and </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">defined under any Waiver of Monthly Deduction Rider, </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Bonus Rider will be inactive.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If the Policy’s death benefit is being accelerating </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">under any Long-Term Care Rider: no Bonus Rider </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">charge will be deducted, no new bonus options will </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be started, and any Bonus Rider benefit amounts will </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be applied to the Fixed Account.</span></div></div></td></tr> <tr style="height:237pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Change of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Insured Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Permits a change in </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the person who is </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Insured under the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase or until the Attained Age </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of 65.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability may vary by selling broker dealer. You </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">may obtain information about the optional benefits </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">that are available through your broker dealer by </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">contacting your broker dealer or our Administrative </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Office.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Benefit ceases to be available on the contract </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">anniversary nearest to the current Insured’s 65</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">birthday.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The new Insured is subject to underwriting </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">requirements.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Policy value requirements apply.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Policy charges applicable to the new Insured may </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">differ from charges applicable to the current Insured.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Any change in Insured is a taxable event.</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhanced </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides an </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhanced Surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value free of a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Charge if </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you fully surrender </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Policy during </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the first five Policy </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Years.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div></div></td></tr> <tr style="height:61.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waiver of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Deduction Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waives monthly </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">deductions during </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">periods of total </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">disability.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The disability must meet conditions and commence </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prior to the Policy Anniversary nearest the Insured’s </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">65</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> birthday to qualify for payments.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:93pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:233.01pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:161pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Dollar Cost </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">strategy that divides </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">up the total amount </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to be invested in one </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">or more Sub-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accounts over a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">specified period of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">time. This averages </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the purchase cost of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the assets over time </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and helps to reduce </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the potential impact </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of market volatility.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available 1</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Policy Year only, at Policy purchase. </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Cannot move money to Fixed Account or money </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">market. </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically moves to Automatic Rebalancing after </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">1</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Policy Anniversary. </span></div></div></td></tr> <tr style="height:97.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy Loans</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Borrow against the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value of </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Policy and the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserve </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:233.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">We may limit the amount of your loan so that total </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Debt under the Policy will not exceed 90% of an </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amount equal to the Accumulation Value less </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Surrender Charge.</span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Amounts transferred to the Loan Account do not </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">participate in the performance of the Sub-Accounts or </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Fixed Account.</span></div></div></td></tr></table> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">No-Lapse </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhancement </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prevents lapse if the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy’s Surrender </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value is insufficient </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to cover the Monthly </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Deductions.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically issued at Policy purchase.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">You may not allocate Accumulation Value and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Premium Payments to the money market Sub-</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Account except for purposes described in the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Right </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">to Examine Period</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">” section, as an account from which </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">to transfer funds for the Dollar Cost Averaging </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">program as described in the section headed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Optional </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Sub-Account Allocation Programs</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">”, and in the event </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of a fund liquidation as described in the section </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">headed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Sub-Account Availability and Substitution of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Funds</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">”.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">For applications received on or after November 13, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">2023, the Guaranteed Minimum Death Benefit Option </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">1 is not available.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">For applications received on or after May 15, 2023, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">significant investment restrictions apply so long as </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the rider remains in effect.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maintaining Automatic Rebalancing with the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">applicable allocation requirements, as described in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">this prospectus, is required to keep this rider in force.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Overloan </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protection Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides that your </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy will not lapse </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">solely based on Debt </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exceeding the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically issued at Policy purchase if Guideline </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Premium Test is chosen. Not available if Cash Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Test is chosen.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Once you exercise the benefit, the following changes </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">will be made to your Policy:</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">We will no longer allow Premium Payments, Partial </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Surrenders, or changes to the Specified Amount.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">All other riders will be terminated.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">No additional Monthly Deductions will be taken.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The Separate Account Value will be transferred to the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Fixed Account.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The Policy will become paid-up insurance (i.e. no </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">further payment will be required).</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserve </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to pay </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some Premiums that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">accumulate in the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">same manner as if </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">they had been </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">allocated to your </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy without being </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">subject to all Policy </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">charges and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses. The </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserves, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in turn, can be used </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to prevent the Policy </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">from lapsing.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically issued at Policy purchase in states </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">where it is available.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Premiums allocated to the Premium Reserve Rider do </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">not increase the Policy’s Accumulation Value and, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">therefore, will not decrease the Net Amount at Risk.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If the entire Premium Reserve is transferred to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prevent a lapse, the rider will terminate, and no future </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Premium Payments to the rider are permitted.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Automatic </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rebalancing</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To periodically </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">restore Sub-Account </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exposure to a pre-</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">determined level </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">selected by the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">policyholder to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce potential risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of exposure to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">market volatility.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Is only available on a quarterly basis.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Must be maintained on product to keep No-Lapse </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Enhancement rider (see Riders).</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Can be terminated; however will terminate No-Lapse </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Enhancement rider (see Riders).</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Basic Accelerated </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Riders</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advances a portion </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the death benefit </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">upon Insured being </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Terminally Ill, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">critically ill or </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">confined to a nursing </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">home.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Version 1: available at Policy purchase or anytime </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">thereafter; Version 2: available at Policy purchase </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">only.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability is subject to underwriting criteria </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(including age and state of health).</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Terminal illness coverage is up to 50% of the death </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">benefit.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Nursing Home Confinement coverage is up to 40% of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the death benefit.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Terminal Illness coverage and Nursing Home </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Confinement coverage is subject to an overall </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">maximum of $250,000.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Version 2: critical illness coverage is 5% of the death </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">benefit not to exceed $25,000 upon the occurrence of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the first critical illness.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The illness or confinement must meet conditions of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Rider to qualify for payments.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Benefits received from this rider will terminate any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">other Accelerated Benefit rider.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LifeEnhance</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advances payment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of up to 100% of the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Original Benefit upon </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the occurrence of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">chronic or terminal </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">illness.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Start of benefit payments will terminate the Premium </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Reserve Rider and Enhanced Surrender Value Rider, if </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">applicable.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability subject to underwriting criteria (including </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">age and state of health) at time of Policy purchase </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">only.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The chronic illness or terminal Illness, must meet </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">conditions of the Rider to qualify for payments.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LifeAssure</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accelerated </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Advances up to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100% of the Original </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit upon the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">occurrence of a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">chronic or terminal </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">illness.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Start of benefit payments will terminate the Premium </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Reserve Rider and Enhanced Surrender Value Rider, if </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">applicable.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability subject to underwriting criteria (including </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">age and state of health) at time of Policy purchase </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">only.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The chronic or terminal illness, must meet conditions </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of the Rider to qualify for payments.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Benefit payments received will be less than the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amount accelerated because each payment is subject </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">to a discount factor for early payment.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides monthly </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefit payments for </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the reimbursement </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of expenses incurred </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">by the Insured for </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Covered Services.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Start of benefit payments will terminate any other </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accelerated Benefit Rider, Enhanced Surrender Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Rider and Premium Reserve Rider.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If you exercise any other Accelerated Benefit Rider or </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Overloan Protection Rider, this rider will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">terminate.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Amounts we reimburse are subject to a monthly </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">maximum dollar amount that can be accelerated each </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Policy Month.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability is subject to underwriting criteria </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(including age and state of health) at time of Policy </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purchase only.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The long-term care services must meet conditions of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Rider to qualify for reimbursement.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bonus Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Uses a portion of the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Separate Account </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value to create an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Open Bonus Option. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The new Open Bonus </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option will credit a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bonus Rider Benefit </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount, if any, to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Accumulation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value on its Bonus </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option Maturity </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">This rider is not available for applications received on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">or after November 13, 2023.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If the Insured is on total disability as provided and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">defined under any Waiver of Monthly Deduction Rider, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Bonus Rider will be inactive.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">If the Policy’s death benefit is being accelerating </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">under any Long-Term Care Rider: no Bonus Rider </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">charge will be deducted, no new bonus options will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be started, and any Bonus Rider benefit amounts will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be applied to the Fixed Account.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Change of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Insured Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Permits a change in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the person who is </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Insured under the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase or until the Attained Age </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of 65.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Availability may vary by selling broker dealer. You </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">may obtain information about the optional benefits </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">that are available through your broker dealer by </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">contacting your broker dealer or our Administrative </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Office.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Benefit ceases to be available on the contract </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">anniversary nearest to the current Insured’s 65</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">birthday.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The new Insured is subject to underwriting </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">requirements.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Policy value requirements apply.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Policy charges applicable to the new Insured may </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">differ from charges applicable to the current Insured.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Any change in Insured is a taxable event.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhanced </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Enhanced Surrender </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value free of a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Charge if </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you fully surrender </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Policy during </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the first five Policy </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Years.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waiver of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Deduction Rider</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waives monthly </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">deductions during </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">periods of total </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">disability.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available at Policy purchase only.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">The disability must meet conditions and commence </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prior to the Policy Anniversary nearest the Insured’s </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">65</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> birthday to qualify for payments.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Dollar Cost </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Averaging</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">strategy that divides </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">up the total amount </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to be invested in one </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">or more Sub-</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accounts over a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">specified period of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">time. This averages </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the purchase cost of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the assets over time </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and helps to reduce </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the potential impact </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of market volatility.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Available 1</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Policy Year only, at Policy purchase. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Cannot move money to Fixed Account or money </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">market. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Automatically moves to Automatic Rebalancing after </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">1</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Policy Anniversary. </span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy Loans</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Borrow against the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrender Value of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Policy and the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Reserve </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rider.</span> true <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">We may limit the amount of your loan so that total </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Debt under the Policy will not exceed 90% of an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amount equal to the Accumulation Value less </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Surrender Charge.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Amounts transferred to the Loan Account do not </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">participate in the performance of the Sub-Accounts or </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Fixed Account.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">No-Lapse Enhancement Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">:  We will automatically issue this Rider with your Policy and there is no charge for it. This Rider provides you with a limited benefit in the event that your Policy would otherwise lapse. It does not provide any additional death benefit amount or any increase in your policy value and it does not provide any type of market performance guarantee. While this Rider is effective, there are certain requirements and limitations that are imposed which may restrict the allocations you may wish to make. These are described in the “Allocation Requirements” section below and the “Appendix B: Current Investment Restrictions for Optional Benefits – No-Lapse Enhancement Rider.”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For applications received on or after May 15, 2023, significant investment restrictions apply so long as the rider remains in effect. If you do not wish to be subject to those restrictions, you must terminate the rider, but terminating the rider will cause you to lose that standard benefit. Terminating the benefit will not reduce the charges to which your Policy is subject.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">The Rider’s benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Rider consists of the No-Lapse Value provision (the “No-Lapse Value Provision”) and the Reset Account Value provision (the “Reset Account Value Provision”). Under this Rider, if the Policy’s Surrender Value is insufficient to cover the Monthly Deductions, your Policy will not lapse as long as </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">either</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> the No-Lapse Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> the Reset Account Value, less any Debt, is greater than zero. If </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">both</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> the No-Lapse Value and the Reset Account Value, less any Debt, are zero or less, this Rider will not prevent your Policy from lapsing. The “No-Lapse Value” and “Reset Account Value” are reference values only and are determined as described below using Reference Rates and fees unique to each provision. These Reference Rates and fees are fixed at issue for the life of the Policy and are different from the rates and fees we use to calculate the Accumulation Value of the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How long the protection lasts</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The duration of lapse protection provided by this Rider will be determined monthly and may vary based on the amount and timing of Net Premium Payments that are paid, interest credited, the amount of any Partial Surrenders, and rates and fees for the Rider. Payment of Premiums higher than the Planned Premium and interest credited on Net Premiums will increase the duration of lapse protection. Partial Surrenders and the costs of other riders which have their own charges will reduce the duration of lapse protection. Also, the duration of lapse protection provided by this Rider may be impacted by certain factors including:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. Changes in premium timing, frequency or amount, including those Premium Payments paid;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i. later than the month following the Planned Premium due date, which may shorten the duration of lapse protection,</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii. more than a month earlier than the Planned Premium due date, which may lengthen the duration of the lapse protection;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">iii. more frequently than your scheduled Premium Payments, which may shorten the duration of lapse protection for the same amount of total Premium pay in a year;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">iv. less frequently than your scheduled Premium Payments, which may lengthen the duration of lapse protection for the same amount of total Premium paid in a year;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">v. in lesser amount than the Planned Premium, which may shorten the duration of lapse protection; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">vi. paid in greater amounts than the Planned Premium, which may lengthen the duration of lapse protection.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. Your request(s) to initiate policy changes such as loans, Partial Surrenders, increases in Specified Amount, the addition of Riders, or exercising rider benefits, which may shorten the duration of lapse protection.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. Your request(s) to initial policy changes such as decreased in Specified Amount or the removal of Riders which may lengthen the duration of lapse protection.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">All Premiums received between two Monthly Anniversary Days will be credited as if they had been received as of the prior Monthly Anniversary Day in relation to the actual premium receipt date. This means that the Premium will be treated as having been received before the calculation of the No-Lapse Value Monthly Deduction, Reset Account Value Monthly Deduction and interest crediting. This treatment of effective date of Premiums only applies for the purposes of calculating the No-Lapse Value and the Reset Account Value. All Premiums received in the Policy Month prior to a decrease in the No-Lapse Value Premium Load and the Reset Account Value Premium Load will receive the lower No-Lapse Value Premium Load and the Reset Account Value Premium Load, as shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">To help ensure that any changes you make to your Policy will accomplish your insurance objective, we encourage you to request a personalized policy illustration from your registered representative that shows the impact of such changes to future death benefits, policy values, and the duration of this Rider’s lapse protection.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on Guaranteed Minimum Death Benefit Options:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> At the time of application, you will elect a Guaranteed Minimum Death Benefit Option. Once elected, the GMDB Option cannot be changed. The following are the two options:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;">Option 1: </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">This Option is not available for applications received on or after November 13, 2023.</span><span style="font-family:Arial Narrow;font-size:10pt;"> Until the Insured’s Attained Age 90, the GMDB will be the Initial Specified Amount less any decreases in the Specified Amount. At the Insured’s Attained Age 90, the GMDB will automatically be reduced and set equal to the Initial Specified Amount minus any benefit payments under an acceleration of benefits or the Long-Term Care Rider, multiplied by 50%, unless the GMDB at the Insured’s Attained Age 90 is below this amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Option 2: The Initial Specified Amount less any decreases in the Specified Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on Death Benefit Proceeds</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If this Rider is actively preventing the Policy from Lapse, the death benefit payable will be determined as described below. Otherwise, the death benefit payable will be determined per the Death Benefit Proceeds provision of the Policy. (See section headed “Death Benefits” form more information.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each provision triggers a different death benefit, which are different from the Death Benefit Proceeds otherwise applicable under the Policy. If the requirements of only one of these provisions are met, the Death Benefit Proceeds payable will be calculated under that provision. If the requirements of both of these provisions are met, the Death Benefit Proceeds payable will be the greater of the Death Benefit Proceeds calculated under each provision.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Insured dies while the No-Lapse Provision is maintaining the Policy in force, the Death Benefit Proceeds will be equal to: the Guaranteed Minimum Death Benefit plus any Riders or benefits that are payable, less any debt and Partial Surrenders processed after the Insured’s date of death. Note: While you can’t request an increase in the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">GMDB, if the current Specified Amount is decreased below the GMDB, the GMDB will automatically be decreased to an amount equal to the reduced Specified Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Insured dies while the Reset Account Value Provision is maintaining the Policy in force, the Death Benefit Proceeds will be equal to the Reset Death Benefit plus any Riders or benefits that are payable, less any Debt and Partial Surrenders after the Insured’s date of death.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Death Benefit on the Policy Date equals the Initial Specified Amount shown in the Policy Specifications. If the current Specified Amount is decreased below the Reset Death Benefit, the Reset Death Benefit will automatically be decreased to an amount equal to the new reduced Specified Amount. The Reset Death Benefit decrease will become effective on the same date as the decrease in current Specified Amount. You cannot request an increase in the Reset Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">What happens when the Rider’s benefits go into effect</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: During any time that this Rider is preventing the Policy from Lapse, the following will occur as applicable:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Monthly Deductions will continue to be accumulated, but will not be deducted. The Surrender Value will not be less than zero. Cost of Insurance rates will not be charged on an amount greater than the death benefit at the beginning of the Policy Month. Any Death Benefit Proceeds payable will not be reduced by the accumulated unpaid Monthly Deductions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Loan interest will continue to accrue and will be added to the total amount of Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Rider is no longer preventing Lapse, or upon termination of the No-Lapse Enhancement Rider, whichever occurs first, any accumulated unpaid Monthly Deductions will need to be repaid in addition to the amount described in the Grace Period provision in order to keep the Policy in force.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on the Policy’s Grace Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Grace Period provision of the Policy will begin on the Monthly Anniversary Day on which the No-Lapse Value, less Debt, and the Reset Account Value, less Debt, are less than or equal to zero and the Policy has met the conditions for entering the Grace Period. You will be notified of the pending Lapse as provided under that provision.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Allocation Requirements</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: While this Rider is effective, there are certain allocation constraints and investment requirements that are or may be imposed. This means that you may be restricted in your choice of and/or in how much you can invest in certain Sub-Account(s) and/or the Fixed Account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">If you do not comply with these requirements, the Rider will terminate and, if the Rider terminates, the Policy will remain in force only if the Surrender Value is sufficient to cover the Monthly Deductions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You will be notified at least 61 days prior to the date of any change in the Allocation Requirements. We may make such modifications at any time when we believe the modifications are necessary to protect our ability to provide the guarantees under the Rider. Our decision to make modifications will be based on several factors including the general market conditions and the style and investment objectives of the Sub-Account investments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">At the time you receive notice of a change to the Allocation Requirements, if you are not in compliance with the new Allocation Requirements, you may:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1. submit your own reallocation instructions for the Accumulation Value, before the date specified in the notice, so that the Allocation Requirements are satisfied; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. take no action, which will result in termination of the Rider on the date specified in the notice; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3. elect to terminate the Rider immediately, without waiting for a termination event.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Please note, upon a change in Allocation Requirements, we will not reallocate any of your Policy’s Accumulation Value except pursuant to your instructions in writing or by telephone (if you have previously authorized telephone transfers in writing). Failure to timely reallocate your Policy Accumulation Value in accordance with any new Allocation Requirements will cause your Rider to terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Currently, the following allocation constraints apply to all No-Lapse Enhancement Riders, regardless of the date the application was received:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. Automatic Rebalancing will be in effect when the Policy is issued and you must maintain Automatic Rebalancing in order to keep this Rider in effect. If you discontinue Automatic Rebalancing after the Policy is issued, this Rider will terminate. (Refer to the section headed “Optional Sub-Account Allocation Programs” for more information about Automatic Rebalancing.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. This Rider limits the use of the money market Sub-Account to the following: (a) for the purposes described in the “Right to Examine Period” section of this prospectus; and (b) as an account from which to transfer funds for the Dollar Cost Averaging program as described in the section headed “Optional Sub-Account Allocation Programs”. Please note that any balance remaining in the money market Sub-Account upon termination of Dollar Cost Averaging will need to be transferred to other Sub-Account(s) or the Fixed Account, as specified by you. Use of the money market Sub-Account other than as described above will result in the Rider terminating.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For applications received on or after May 15, 2023, the following additional investment restrictions apply to keep this Rider in effect.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Sub-Accounts of your Policy are divided into tiers. You can select the percentages of Accumulation Value to allocate to individual Sub-Accounts within the tier and/or to the Fixed Account, but the total allocation percentages must comply with the specified minimum or maximum percentages for that tier. We may change the tier that each Sub-Account is assigned to, the number of tiers, the minimum or maximum percentages of Accumulation Value allowed in each tier, the investment options that are or are not available to you, or the rebalancing frequency at any time in our sole discretion. If we make such a change, you will be notified as described above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Currently, a maximum of 75% of the Accumulation Value can be invested in tier 3 Sub-Accounts. If any of the Accumulation Value is invested in tier 3 Sub-Accounts, a minimum of 25% of the Accumulation Value must be invested in tier 1 Sub-Accounts or the Fixed Account. There are no restrictions or requirements on tier 2 Sub-Accounts.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please refer to “Appendix B: Current Investment Restrictions for Optional Benefits – No-Lapse Enhancement Rider” for the current tier assignments for each of the Sub-Accounts under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For applications received prior to May 15, 2023, we do not currently impose additional investment restrictions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">However, we may establish additional investment restrictions in the future. Any future investment restrictions may be in the form of one or both of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i. a maximum percentage of the Policy’s Accumulation Value to be permitted in certain Sub-Accounts, particularly those with higher than average volatility, or the Fixed Account; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii. a minimum percentage of the Policy’s Accumulation Value to be required in certain Sub-Accounts, particularly those with lower than average volatility (please review the “Sub-Accounts and Funds” section of this prospectus).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If we impose such additional investment restrictions you will be notified as described above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we determine the No-Lapse Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The No-Lapse Value is a reference value only (and it may become less than zero). It is not used in determining the Accumulation Value or death benefit provided by the Policy. The No-Lapse Value on the Policy Date will be the initial Premium received, plus the No-Lapse Value Premium Credit as shown in the Policy Specifications, less the No-Lapse Monthly Deduction for the first Policy Month.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On each Monthly Anniversary Day, the No-Lapse Value is calculated taking into account the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value on the preceding Monthly Anniversary Day;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Premiums received since the preceding Monthly Anniversary Day (either adding the amount of the No-Lapse Value Premium Credit or subtracting the amount of the No-Lapse Value Premium Load based on Policy Years as shown in the Policy Specifications);</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Partial Surrenders (i.e. withdrawals) since the preceding Monthly Anniversary Day;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Accumulated No-Lapse Value Credited Interest (interest credited to the No-Lapse Value daily) is calculated using the interest rates shown in the table of No-Lapse Value Credited Interest rates shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value Monthly Deduction described below for the Policy Month following the Monthly Anniversary Day; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Surrender Charge, if any, as determined from the Table of Surrender Charges shown in the Policy Specifications for any decrease in Specified Amount on the Monthly Anniversary Day.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Guaranteed Minimum Death Benefit (“GMDB”) is determined by the GMDB Option that you elected and is shown in the Policy Specifications. If the current Specified Amount is decreased below the GMDB, the GMDB will automatically be decreased to an amount equal to the reduced Specified Amount. The GMDB decrease will become effective on the same date as the decrease in current Specified Amount. You cannot request an increase in the GMDB. Please see the “Death Benefit Option” section for more information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we determine the No-Lapse Value Monthly Deduction and the No-Lapse Value Cost of Insurance</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The No-Lapse Value Monthly Deduction for a Policy Month equals the sum of the No-Lapse Value Cost of Insurance as described below, the cost of any additional benefits provided by other rider(s) for the Policy Month and the No-Lapse Value Monthly Policy Fee, and after deducting the No-Lapse Monthly Administrative Fee as shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value Cost of Insurance will be the result of (1) minus (2), multiplied by (3), and divided by 1,000, where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) Is the No-Lapse Death Benefit Value described below at the beginning of the Policy Month, divided by the Net Amount at Risk Discount Factor shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2) Is the larger of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i. the No-Lapse Value at the beginning of the Policy Month after the deduction of the No-Lapse Value Monthly Policy Fee and after the deduction of the No-Lapse Value Monthly Administrative Fee but prior to the deduction for the monthly No-Lapse Value Cost of Insurance; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii. zero if the No-Lapse Value is less than zero.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(3) Is the applicable No-Lapse Factor described in the Policy Specifications. The No-Lapse Factor may be modified by the Table of Funding Level Threshold Percentages and resulting reduction factor, if applicable, as described in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Funding Level, mentioned above, is measured by dividing the No-Lapse Value on the Monthly Anniversary Day by the current Guaranteed Minimum Death Benefit. The Funding Level is used in the Table of Funding Level Threshold Percentages shown in the Policy Specifications to determine if the No-Lapse Factor will be modified by a reduction factor. The No-Lapse Factor is used to calculate the No-Lapse Cost of Insurance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we calculate the No-Lapse Death Benefit Value: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Death Benefit Value is equal to the Guaranteed Minimum Death Benefit plus the amount of any increases in the Specified Amount. The No-Lapse Death Benefit Value is used only to determine the monthly No-Lapse Value Cost of Insurance; it is not used to determine the death benefit provided by the Policy or this Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we determine the Reset Account Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Reset Account Value is a reference value (which may become less than zero) and is not used in determining the Accumulation Value or death benefit provided by the Policy. The Reset Account Value on the Policy Date will be the initial Premium received, less the Reset Account Premium Load, as shown in the Policy Specifications, and less the Reset Account Monthly Deduction for the first Policy Month:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On each Monthly Anniversary Day, the Reset Account Value is calculated taking into account the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Reset Account Value on the preceding Monthly Anniversary Day;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Premiums received since the preceding Monthly Anniversary Day, subtracting the amount of the Reset Account Value Premium Load;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Partial Surrenders (i.e. withdrawals) since the preceding Monthly Anniversary Day;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Accumulated Reset Account Value Credited Interest (interest credited to the Reset Account Value daily) is calculated using the Reset Account Value Credited Interest rate shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value Monthly Deduction described below for the Policy Month following the Monthly Anniversary Day; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Surrender Charge, if any, as determined from the Table of Surrender Charges shown in the Policy Specifications for any decrease in Specified Amount on the Monthly Anniversary Day.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On each Policy Anniversary, the Reset Account Value may increase to reflect positive investment performance. If the Reset Account Value on that Policy Anniversary is less than the Accumulation Value on that same Policy Anniversary, the Reset Account Value will be reset to equal the Accumulation Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we determine the Reset Account Monthly Deduction and the Reset Account Cost of Insurance</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Reset Account Monthly Deduction for a Policy Month equals the sum of the Reset Account Value Cost of Insurance as described below the cost of any additional benefits provided by other rider(s) for the Policy Month and the Reset Account Monthly Administrative Fee shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value Cost of Insurance will be the result of (1) minus (2), multiplied by (3), and divided by 1,000, where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) is the Reset Account Death Benefit Value at the beginning of the Policy Month, divided by the Net Amount at Risk Discount Factor shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2) is the Reset Account Value at the beginning of the Policy Month after the deduction of the Reset Account Value Monthly Administrative Fee but prior to the deduction for the monthly Reset Account Value Cost of Insurance, or zero if the Reset Account Value is less than zero, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(3) is the Reset Factor as described in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we calculate the Reset Account Death Benefit Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Reset Account Death Benefit Value is equal to the Reset Death Benefit plus the amount of any increases in Specified Amount. The Reset Account Death Benefit Value is used only to determine the monthly Reset Account Value Cost of Insurance; it is not used to determine the death benefit provided by the Policy or this Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">When will the Rider terminate</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The Rider and all rights provided under it will terminate automatically on the first of the following to occur:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1. the Insured reaches age 121;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. the surrender or other termination of the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3. you request to terminate Automatic Rebalancing;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4. you use the money market Sub-Account other than as described in the Allocation Requirement above; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5. an allocation restriction, described in the “Allocation Requirements” section above and the “Appendix B: Current Investment Restrictions for Optional Benefits – No-Lapse Enhancement Rider” section below is imposed and you do not take corrective action within 61 days after the date of mailing of the notice that your allocations do not comply.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If this Rider terminates due to item (1) above, coverage will continue as described in the Continuation of Coverage section of this prospectus, and the Death Benefit Proceeds available under this Rider will continue to apply. If this Rider terminates due to items (3), (4) or (5) above it can result in the need to repay unpaid Monthly Deductions in order to keep your Policy in force and this Rider cannot be reinstated. You should consider your options carefully </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">when choosing to terminate this Rider under one of these conditions. If the Policy terminates and is reinstated, the rider will likewise be reinstated unless the rider had terminated before the Policy terminated.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Overloan Protection Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">  If this rider is issued with your Policy, you meet the requirements as described in the rider (see below) and you choose to take advantage of the benefit it provides, your Policy will not lapse solely based on Debt exceeding the Surrender Value. It is a limited benefit, in that it does not provide any additional death benefit or any increase in Accumulation Value. Also, it does not provide any type of market performance guarantee.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will automatically issue this rider with your Policy if the death benefit qualification test chosen is the Guideline Premium Test. This rider is not available if you have chosen the Cash Value Accumulation Test as the basis for the Policy qualifying as life insurance under federal tax law and the benefit is not available to you if the Policy is a Modified Endowment Contract. While there is no charge for adding this rider to your Policy, if you choose to exercise this benefit, there is a one-time charge shown in the Policy Specifications. (See the “Periodic Charges Other Than Annual Underlying Fund Fees and Operating Expenses” table and Policy Charges and Fees section of this prospectus.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In addition to the conditions mentioned above the following must be met at the time the benefit is exercised:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Policy Debt is larger than the Specified Amount; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy has been in force for a minimum number of Policy Years (“Minimum Policy Years in Force”) as shown in the Policy Specifications; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any Insured identified in the Policy Specifications has attained the age shown as “Minimum Attained Age” in the Policy Specifications; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy’s Accumulation Value less Debt must be enough to cover the charge as shown in the Policy Specifications; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The ratio of Debt to the Policy’s Accumulation Value must be between the Minimum and Maximum Value Threshold Percentages shown in the Policy Specifications; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Both the guideline single premium and the guideline level premiums calculated under the Guideline Premium Test must be greater than zero (see the “Death Benefit Qualification Test” section of this prospectus) (unless the youngest Insured has attained or would have attained at least age 100)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Once you exercise the benefit, the following changes will be made to your Policy:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. We will no longer allow Premium Payments, Partial Surrenders, or changes to the Specified Amount;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. All other riders will be terminated;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. No additional Monthly Deductions will be taken;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. The Separate Account Value (also referred to the “Variable Account Value” in the rider), if any, will be transferred to the Fixed Account. (This transfer will not be subject to any limitations that may otherwise be in effect and will not be assessed a charge. Also, no further transfers will be allowed, and Automatic Rebalancing will end); and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. The Policy will become paid-up insurance (i.e. no further payments will be required) and the death benefit will be determined as provided by the Policy but will be no less than the greater of the following amounts, less Debt:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(i) Debt plus $10,000; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(ii) An amount determined by us equal to the amount required to qualify the Policy as life insurance under the Internal Revenue Code.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">You should consult with a qualified tax advisor before exercising this rider, as there may be tax consequences in the event you fail to meet eligibility for this rider. Also, we will provide you with notice the first time your Policy meets all the conditions and requirements noted above. We strongly recommend that you carefully monitor the performance of your Policy by annually reviewing a projection of the Policy’s benefits and values (an “illustration”) in order to improve your opportunity of meeting the requirements and conditions of the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Premium Reserve Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: We will automatically issue this rider with your Policy in states where it is available. The rider allows you to pay Premiums in addition to those you plan to pay for your Policy and to have such amounts accumulate in the same manner as if they had been allocated to your Policy without, as detailed in the rider, being subject to all charges and expenses of your Policy. For example, this rider can be used to fund future Premium Payments if needed while retaining the flexibility to withdraw such funds from the rider without reducing the Policy’s Specified Amount (or being subject to Surrender Charges) in the event the funds are not needed due to favorable investment performance. Premiums allocated to the Premium Reserve Rider do not increase the Policy’s Accumulation Value and, therefore, will not decrease the Net Amount at Risk. Since the Net Amount at Risk will not be reduced, current Cost of Insurance Charges will not be reduced. However, the Policy’s death benefit will be increased by the Premium Reserve Rider Accumulation Value less Debt. The Premium Reserve Rider Accumulation Value is the sum of the (i) values of Sub-Accounts created for the rider which, but for having been created specifically for the rider, are in all other respects identical to the Sub-Accounts (the “Premium Reserve Rider Sub-Accounts”), and (ii) values held in the portion of the Fixed Account created specifically for the rider (the “Premium Reserve Rider Fixed Account”).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Premium Load of 10% in Policy Years 1 - 20, and 3% in Policy Years 21 and beyond (known as the Premium Reserve Rider Premium Load) will be deducted from each amount allocated to this rider. We reserve the right to change this charge but guarantee it will not exceed the maximum rates as shown in the “Periodic Charges Other Than Annual Underlying Fund Fees and Operating Expenses” table of this prospectus.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Net Premium Reserve Rider Premiums will be allocated to the Premium Reserve Rider Sub-Accounts and/or the Premium Reserve Rider Fixed Account using the same Premium allocation instruction that you have provided to us for allocating Premiums which you direct to your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Calculations of the values of the Premium Reserve Rider Sub-Accounts apply the same monthly Mortality and Expense Risk Charge as would have been deducted if the Premiums had been allocated to your Policy; however, the Monthly Deductions for your Policy, which include charges for the cost of insurance and the Administrative Fee, and charges for riders to your Policy other than this rider will not be reflected.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may request us to transfer all or part of the Premium Reserve Rider’s Accumulation Value to your Policy at any time.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No other policy charges or fees will be deducted from the amount allocated to the Premium Reserve Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition, after Policy Year 10, subject to certain limitations (which relate to meeting the requirement that sufficient value remains to maintain the duration of lapse protection provided under the No-Lapse Enhancement Rider until the Insured reaches age 121 – see section headed “No-Lapse Enhancement Rider”), you may request transfers from the Policy’s Sub-Accounts and Fixed Account to the Premium Reserve Rider for allocation to the Premium Reserve Rider's Sub-Accounts and Fixed Account. Transfers between the Policy and the rider will not be counted against the number of free transfers permitted by the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The rider provides for the automatic transfer of the entire Accumulation Value of the rider to the Policy in the event:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Surrender Value under your Policy is insufficient to maintain your Policy in force and the No-Lapse Enhancement Rider described above is not at the time preventing your Policy from lapsing; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">you do not pay at least the amount set forth in the Grace Notice and your payment is not received by us before the end of the Grace Period.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Premium Reserve Rider Surrender Value on the day the Grace Period ends is insufficient to meet the amount then due, your Policy will lapse without value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If this rider is in force at the time you request a loan on or Partial Surrender of your Policy, any such loan or Partial Surrender will be made first from any Premium Reserve Rider Accumulation Value and when the Premium Reserve Rider Accumulation Value is reduced to zero, then from the Accumulation Value of your Policy. Loan interest will be </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">charged and credited to any Premium Reserve Rider loans on the same basis as the Policy. Please refer to the section headed “Policy Loans” for a more detailed discussion of Policy Loans, including interest charged on Policy Loans.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In the event of the death of the Insured while the rider is in force, any Premium Reserve Rider Accumulation Value less Debt on the date of death will be added to the death benefit. If the death benefit is paid pursuant to the No-Lapse Enhancement Rider, the Premium Reserve Rider Accumulation Value less Debt will be added to the death benefit payable under that rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Premium Reserve Rider will terminate at the earlier of the date your Policy terminates; the date the entire Premium Reserve Rider Accumulation Value is automatically transferred to your Policy to maintain your Policy in force; or your written request to terminate the rider is received. Once terminated, the rider may not be reinstated, and no further Premium Payments may be allocated to it.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Finally, the amount of Premiums you may pay, whether you direct them to your Policy or to your Premium Reserve Rider, are subject to limits which are discussed in the Tax Issues section of the prospectus.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As with your Policy, you bear the risk that the investment results of the Sub-Accounts you have chosen are adverse or are less favorable than anticipated. Adverse investment results will impact the Accumulation Value of the rider and, therefore, the amount of rider Accumulation Value which may be available to prevent your Policy from lapsing or for providing policy benefits.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Premium Reserve Rider, as discussed above, can help provide additional protection against lapse of your Policy. The Premium Reserve Rider Accumulation Value generated by the additional Premiums you pay to the rider may be transferred to the Policy either through (i) your voluntarily requesting us to transfer available Premium Reserve Rider Accumulation Value to the Policy in the amount needed to prevent lapse (because, for example, you do not have the funds outside of the Policy to make the Premium Payment required to keep the Policy in force), or (ii) the rider’s provision for automatically transferring all available Premium Reserve Rider Accumulation Value to the Policy should those values be needed to prevent lapse of the Policy (because, for example, the payment you do make either is less than the amount requested or is not received by the time set by the terms of the Policy). However, as noted above, if such values are transferred pursuant to the Premium Reserve Rider’s automatic transfer provision, the Premium Reserve Rider will terminate, and the Owner will permanently lose the ability to allocate any future Premium Payments to the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As a hypothetical example of how the Premium Reserve Rider might help prevent lapse of your Policy, assume that you have had your Policy for 11 years and that you have allocated additional Premiums to the rider so that your Premium Reserve Rider Accumulation Value at the end of Policy Year 11 is $25,000. Further assume that the No-Lapse Enhancement Rider is no longer preventing your Policy from lapsing, that the Premium required to maintain your Policy in force that is due at the beginning of Policy Year 12 is $15,000, and that you have decided that you wish to minimize your current cash outlays. If you do not pay the $15,000 Premium, you will receive a Grace Notice which will tell you that you need to make a Premium Payment of $15,000 to your Policy. If you wish, you could request (before the end of the Grace Period) that we transfer $15,000 of the Premium Reserve Rider Accumulation Value to the Policy. If you do not so request, we will automatically transfer the entire Premium Reserve Rider Accumulation Value of $25,000 to the Policy (and your Premium Reserve Rider will terminate). In this example, the transfer of $15,000 from your Premium Reserve Rider Accumulation Value to your Policy will avoid lapse of the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As a further hypothetical example, again assume that you have had your Policy for 11 years but that you have allocated fewer additional Premiums to the rider so that your Premium Reserve Rider Accumulation Value is $10,000. Continuing the assumption that the No-Lapse Enhancement Rider is no longer preventing your Policy from lapsing, that the Premium required to maintain your Policy in force that is due at the beginning of Policy Year 12 is $15,000, and that you wish to minimize your current cash outlays, your Premium Reserve Rider Accumulation Value would provide (either by transfer at your specific request or through automatic transfer) $10,000 towards the Premium due. But in this example, you would have to then pay the balance of the Premium due, that is $5,000, to us from your savings or from another source outside of the Policy to avoid lapse of your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should discuss with your registered representative the needs which purchasing the Policy will meet, including the need to provide to beneficiaries a guaranteed death benefit which does not depend upon growth of the Policy’s Accumulation Value. Policy illustrations, which the registered representative can prepare, will help determine the amount of Premiums which should be allocated to paying the costs of the Policy for the death benefit you need. Once that need for a guaranteed death benefit is met and Premium requirements determined, the Owner then could consider whether to allocate additional funds to the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should carefully weigh the balance between allocating Premiums to the Policy and Premiums to the rider. Premiums allocated to the Premium Reserve Rider may be withdrawn without reducing the Specified Amount (which might be the case if those Premiums had been allocated to the Policy). In addition, Premiums allocated to the rider are charged with the Premium Reserve Rider Premium Load as detailed above. Premiums allocated to the rider become part of the Premium Reserve Rider Accumulation Value and that value (less any Debt) would be paid upon the death of the Insured in addition to the death benefit paid.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">However, Premiums allocated to the rider do not increase the Policy’s Accumulation Value and, therefore, would not reduce the Cost of Insurance Charges. An illustration can show the impact that paying a higher level of Premiums would have on the Policy’s cost of insurance: that is as Accumulation Values in the Policy increase (through positive investment results and/or allocating more Premiums to the Policy), the Net Amount at Risk (that is, the difference between the death benefit and the Accumulation Value) will decrease, thereby decreasing the Cost of Insurance Charges. Decreasing policy charges increases the amount of the Policy’s Accumulation Value available for allocation to the Sub-Accounts, and thereby increases the amount available for investment, subject to your tolerance for risk.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Your registered representative can prepare illustrations which would reflect the potential impact that different allocations of Premium between the Policy and the Premium Reserve Rider might have, as well as illustrate the impact rates of return selected by you might have on the Policy’s benefits and the rider’s Accumulation Value.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Basic Accelerated Benefits Riders.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> There are two basic Accelerated Benefits Riders. The availability of the riders is based upon the Insured meeting our underwriting criteria (including the Insured's age and the state of the Insured's health at the time of your application), which will determine which, if any, form of rider will be issued to you. If the Insured meets our underwriting requirements and if you apply for the riders at the same time as you apply for your Policy, you will be issued the second version of the rider (as described below). If the Insured does not meet our underwriting requirements (or you do not apply for the riders when you apply for your Policy), you will be issued the first version of the rider that is described below. There is a charge for these riders of $250 (limited in certain states), which will be deducted from any benefit when paid. A benefit payable under either form of rider (the “Accelerated Benefits”) will be considered as a lien against your Policy for the amount of the Accelerated Benefit paid, and the lien will be considered as a Policy Loan and will be charged interest. (See section headed “Policy Loans”.) As the benefit paid is a lien, you may, if you wish, repay any part (but not less than $25) or all of the amount paid. The amount of any lien outstanding at the time of the death of the Insured will be deducted from the death benefit otherwise payable. In certain states, the availability of the riders, and the benefits available thereunder, are limited; please consult with your registered representative as to availability and benefits.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">One version of this rider pays a portion of the death benefit upon occurrence of Terminal Illness (defined by the rider as when the Insured's life expectancy is reduced to less than 12 months) or Nursing Home Confinement (defined by the rider as the Insured being confined to a qualifying nursing home for the balance of life), subject to the terms of the rider. This version of the rider will pay 50% of the death benefit for Terminal Illness and 40% of the death benefit for Nursing Home Confinement, subject to an overall maximum of $250,000 on all policies in force with us, in accordance with the terms of the rider. You may apply for this rider either at the time your application for the Policy is made or at any time thereafter. Our underwriting rules in effect at the time you apply will determine whether the rider will be issued.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The second version of this rider, which must be applied for at the time you apply for your Policy, in addition to paying the same portion of the death benefit upon the occurrence of Terminal Illness or Nursing Home Confinement (as discussed above), also may pay a portion of the death benefit upon critical illness or a condition specified in the rider. The illnesses which qualify are detailed in the rider and generally include, but are not limited to, heart attack </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(myocardial infarction) and life threatening cancer. In the instance of critical illness, the portion of the death benefit payable is 5% (not to exceed a total of $25,000) upon the occurrence of the first critical illness covered by the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Under either version of this rider, the death benefit used to calculate the benefit under the rider will include any Premium Reserve Rider Accumulation Value less Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">To receive a benefit, you must contact us and let us know which benefit you are requesting and the benefit amount (subject to maximum limits) you would like. We will let you know what physician’s certification or other requirements you must submit. If you request less than the maximum benefit, you may later apply for the balance of the benefit. For example, if the Insured is confined to a qualifying nursing home for the balance of life, and your only policy with us covering that Insured has a $100,000 death benefit, you could request up to 40% or $40,000, and if the Insured is later diagnosed with a medical condition resulting in a less than 12 month life expectancy, you may request an additional 10% (for a total benefit of 50%) or $10,000 (for a total benefit of $50,000). Because the benefit payable creates a lien on the Policy, the maximum amount of your benefit may also be restricted (or no benefit may be payable) if you have an outstanding Policy Loan or if the Policy has been assigned to a third party. Benefits paid under the rider may restrict your ability to request future Policy Loans.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln LifeEnhance</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Accelerated Benefits Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The availability of this rider is based upon the Insured meeting our underwriting criteria (including the Insured’s age, gender and the state of the Insured’s health at the time of your application). You must apply for this rider at the time you apply for your Policy. Charges for this rider, if elected, are part of the Monthly Deductions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider provides for the acceleration of up to 100% of the Original Benefit Amount, as determined below, upon occurrence of a Qualifying Event provided all of the terms and conditions of this rider have been met. There are two Qualifying Events: (1) the Insured is certified as Chronically Ill as defined in the rider; or (2) the Insured is certified as Terminally Ill as defined in the rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Depending on which Qualifying Event occurs and the benefit payment option you have chosen, the Original Benefit Amount will be determined as follows, assuming all the Conditions for Eligibility for Benefit Payments, also described below, have been satisfied:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Chronic Illness where you have elected to receive benefits in a one-time lump sum and have met all Conditions for Eligibility of Benefit Payments:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Policy’s Death Benefit Proceeds, without reduction by an outstanding Debt, (the “Gross Death Benefit Proceeds”).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If a Premium Reserve Rider is attached to the Policy, the Policy’s Gross Death Benefit Proceeds less the Premium Reserve Rider Accumulation Value. The Premium Reserve Rider Surrender Value will be paid to you prior to the calculation of the Original Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Chronic Illness where you have elected to receive Monthly Benefit Amounts or where you elect to receive the Terminal Illness benefit and have met all Conditions for Eligibility for Benefit Payments:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Gross Death Benefit Proceeds ; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If a Premium Reserve Rider is attached to the Policy, you can elect to have the Premium Reserve Rider Surrender Value paid to you prior to the calculation of the Original Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You are eligible to receive an Accelerated Benefit payment if the Policy and this rider are in force and the Insured is living when all of the following requirements (the “</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Conditions for Eligibility for Benefit Payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">”) are met:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Our receipt and approval of the following documentation provided by you:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Chronic Illness, Written Certification or Written Re-certification that the Insured is a Chronically Ill individual; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Terminal Illness, a Terminally Ill Certification that the Insured is Terminally Ill; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A written consent to make such payment from any assignee of record named under the Policy or any irrevocable Beneficiary named under the Policy; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We complete, at our discretion and expense, a personal interview with, and an assessment of, the Insured, including examination or tests by a “Licensed Health Care Practitioner” of our choice; and our receipt of copies of any relevant medical records from a health care provider involved in the Insured’s care. A Licensed Health Care Practitioner is a physician, as defined in Section 1861(r)(1) of the Social Security Act, a registered professional nurse, licensed social worker, or other individual who meets such requirements as may be prescribed by the Secretary of Treasury, or qualifications to our satisfaction.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Original Benefit Amount will be reduced by any benefit payments made. The balance remaining is the “Remaining Benefit Amount”. There is no waiting period to receive a benefit under this rider once all Conditions for Eligibility for Benefit Payments have been satisfied and benefits will be paid retroactively to the date of our receipt of all documentation provided by you that is necessary to satisfy all Conditions for Eligibility for Benefit Payments. Furthermore, we do not require proof of incurred expenses for you to receive benefits under this rider. This rider’s benefits will only be paid to the Owner of the Policy and will only be paid by check or other method made available by us. Any benefit to be paid is subject to the “Incontestability” provision of the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The benefit payment options available to you under this rider are as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For a Chronic Illness Qualifying Event</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may elect to receive the benefit as either (a) Monthly Benefit Amounts or (b) a one-time lump sum payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Monthly Benefit Amounts</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> - Provided all Conditions for Eligibility for Benefit Payments have been satisfied, you may elect to receive accelerated monthly benefit payments (the “Monthly Benefit Amount”) without losing the option of electing a one-time lump sum payment of the Remaining Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For each Benefit Period, defined below, in which you qualify to receive benefits, you may elect a Monthly Benefit Amount equal to or greater than the Minimum Monthly Benefit but not exceeding the Maximum Monthly Benefit. Both of these amounts are shown on the Policy Specifications. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note that the Monthly Benefit Amount is not cumulative. The entire Maximum Monthly Benefit may be taken, but if not, the remaining portion cannot be added to future payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> By electing an amount less than the Maximum Monthly Benefit, the amount of the Original Benefit Amount available for later benefit payments (the “Remaining Benefit Amount” as noted above) will be reduced more slowly; however, you should consider that you may or may not re-qualify for future “Written Re-certifications”. A “Written Certification” is the Written Certification that we must receive and approve prior to the start of each Benefit Period following the initial Benefit Period in order for you to be eligible for Chronic Illness Monthly Benefit Amounts, provided all other Conditions for Eligibility for Benefit Payments are met. “Written Certification” is the documentation required, in a form satisfactory to us, certifying that the Insured is Chronically Ill as defined in the rider and providing certain other information with respect to the Insured’s ongoing health service needs. A “Benefit Period” is a period of time not to exceed twelve consecutive months. Each such period begins on the Monthly Anniversary Day after we receive all documentation provided by you necessary to satisfy all Conditions for Eligibility for Benefit Payments. A new Benefit Period will begin no earlier than the end of the current Benefit Period.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The largest amount that may be elected is the Maximum Monthly Benefit. As shown on the Policy Specifications, the Maximum Monthly Benefit may not exceed the lesser of the shown percentage of the Original Benefit Amount or the monthly equivalent of the Per Diem Limit (which is set annually on January 1 by the Internal Revenue Service.) At the time of claim and for each subsequent Benefit Period, we will notify you of your Maximum Monthly Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Sixty (60) days prior to the end of each Benefit Period, we will send you documentation for Written Re-certification. As part of this documentation, if your Maximum Monthly Benefit is based on the Per Diem Limit and the Per Diem Limit increases, we will provide you with an adjusted Maximum Monthly Benefit. If your Maximum Monthly Benefit is based on the Per Diem Limit, the Maximum Monthly Benefit in this documentation </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">will be based on a 30 day Policy Month. If you elect the Maximum Monthly Benefit, the actual amount you receive will be adjusted based on the number of days in each Policy Month.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness Monthly Benefit Amounts will end when any of the following occur:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Insured fails to meet any one of the Conditions for Eligibility for Benefit Payments;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">you notify us to discontinue Monthly Benefit Amount payments; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">this rider terminates.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In the event you request that we discontinue Monthly Benefit Amount payments and then, at a later date, you desire to begin a new Benefit Period, we will allow you to do so provided all of the Conditions for Eligibility for Benefit Payments are met.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(b) One-Time Lump Sum - If you elect a one-time lump sum payment, the Remaining Benefit Amount will be multiplied by the then applicable Chronic Illness one-time lump sum actuarial discount factor when determining the amount of the payment (as described in the discussion of actuarial discount factors below). The payment of a one-time lump sum will cause termination of both this rider and the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For a Terminal Illness Qualifying Event</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The maximum Terminal Illness benefit payment will be the lesser of 1) 50% of the Remaining Benefit Amount; or 2) $250,000. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note: This benefit will only be paid once and will be paid as a lump sum, if you elect less than the maximum benefit, the remainder will not be available at a later date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The amount accelerated will be greater than the Terminal Illness benefit payment and will be determined by dividing the requested benefit payment by the applicable Terminal Illness actuarial discount factor discussed below. The amount accelerated will not be allowed to exceed the Remaining Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As described above, a Chronic Illness one-time lump sum actuarial discount factor will be applied to the Chronic Illness one-time lump sum and a Terminal Illness actuarial discount factor will be applied to the Terminal Illness amount accelerated. These actuarial discount factors reflect the early payment of benefits available under the Policy. The actuarial discount factor used will be based on a mortality assumption and an interest rate which has been declared by us in effect on the date the benefit payment is determined. The maximum interest rate used shall not exceed the greater of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current yield on 90 day treasury bills available on the date the benefit payment is determined; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Maximum Statutory Adjustable Policy Loan Interest Rate (the highest variable interest rate permitted under state law) in effect on the date the benefit payment is determined. This maximum rate will not be more than the higher of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) The published monthly average (defined below) for the calendar month ending 2 months before the date on which the rate is determined; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The rate used to compute the Fixed Account under the Policy for that year plus 1 percent.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The published monthly average referred to above is defined as:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Moody's Corporate Bond Yield Average - Monthly Average Corporates as published by Moody's Investors Service, Inc., or any successor thereto; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In the event that Moody's Corporate Bond Yield Average - Monthly Average Corporates is no longer published, a substantially similar average, established by regulation, or other method, issued by the Insurance Department of the state or other jurisdiction where the Policy is delivered.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Please note that, subject to meeting all Conditions for Eligibility for Benefit Payments, defined below, you may elect to receive Accelerated Benefits as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness in Monthly Benefit Amounts and then at a later date elect the Chronic Illness one-time lump sum payment; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness Monthly Benefit Amounts and then at a later date elect to receive the Terminal Illness benefit. In the same Policy Month, you may receive both a Chronic Illness Monthly Benefit Amount and the Terminal Illness benefit; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(c)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness Monthly Benefit Amounts, then at a later date elect to receive the Terminal Illness benefit and finally receive the Chronic Illness one-time lump sum payment; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(d)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Terminal Illness benefit and then at a later date elect to receive a Chronic Illness benefit in either Monthly Benefit Amounts or the one-time lump sum payment, or both.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any Chronic Illness Monthly Benefit Amount or Terminal Illness benefit paid under this rider will be first used to repay a portion of any outstanding Debt under the Policy. The portion to be repaid will be determined by the product of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">[(A + B) / C] * D where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A = is the balance in the Loan Account;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B = is any accrued loan interest not yet charged;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">C = is the Remaining Benefit Amount immediately prior to a benefit payment; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">D = is either i. or ii. noted below, depending on the Qualifying Event:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Chronic Illness Monthly Benefit Amount; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Terminal Illness benefit payment divided by the applicable Terminal Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Chronic Illness one-time lump sum benefit payment is elected, the benefit payment will be reduced by any outstanding Debt under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">It is important to note that if any of the following riders are attached to your Policy, this rider may have an impact on any benefits provided under such rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Premium Reserve Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> For Chronic Illness Monthly Benefit Amounts and Terminal Illness benefit, you may elect to either include the Premium Reserve Rider Accumulation Value in the calculation of the Original Benefit Amount or receive a payment of the Premium Reserve Rider Surrender Value. Either action will terminate the Premium Reserve Rider. If you elect to include the Premium Reserve Rider Accumulation Value in the calculation of the Original Benefit Amount, the Premium Reserve Rider Accumulation Value will be transferred to the Policy’s corresponding Fixed Account value, Sub-Account(s) value, and/or Loan Account value . If you elect the Chronic Illness one-time lump sum payment, you will receive a payment of the Premium Reserve Rider Surrender Value and the Premium Reserve Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Monthly Deduction Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the Insured is on Total Disability as provided under any Waiver of Monthly Deduction Rider, we will continue to waive the Monthly Deductions falling due under the Policy once payment of an Accelerated Benefit begins under this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Enhanced Surrender Value Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Once payment of an Accelerated Benefit under this rider begins, the Enhanced Surrender Value Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit payments under this rider will reduce certain policy and rider values by multiplying such values by a Reduction Ratio noted below. The values that will be reduced are as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Specified Amount;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Fixed Account Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The value of each Sub-Account;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Your “Cost Basis” in the Policy (the total amount of Premiums or other consideration you have paid for the Policy, less the total amount you have received that was not included in your taxable income, and less any reductions in values due to benefit payments under this rider);</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Premiums paid to date;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No-Lapse Value* of any No-Lapse Enhancement Rider, if attached to the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Reset Account Value* of any No-Lapse Enhancement Rider, if attached to the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed Minimum Death Benefit* of any No-Lapse Enhancement Rider, if attached to the Policy; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Reset Death Benefit* of any No-Lapse Enhancement Rider, if attached to the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">* As defined in the No-Lapse Enhancement Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any reduction will occur on the Monthly Anniversary Day prior to the Monthly Deduction. The proportion by which the above values will be reduced will be based on a Reduction Ratio, determined as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Chronic Illness Benefit Payments</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each Monthly Benefit Amount will reduce the above values by a Reduction Ratio of (b-a)/b where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a = is the Monthly Benefit Amount, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b = is the Remaining Benefit Amount immediately prior to a benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Terminal Illness Benefit Payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The payment of a Terminal Illness benefit will reduce the above values by a Reduction Ratio of (b-a)/b where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a = is the Terminal Illness benefit payment divided by the applicable Terminal Illness actuarial discount factor, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b = is the Remaining Benefit Amount immediately prior to the benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Additional terms to consider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For each Policy Month you receive a rider benefit payment, we will send you a monthly report showing the change in current values under your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Surrender Charges as shown on the Policy Specifications will be waived.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If there is any Premium in a Premium deposit fund, this Premium will be returned to you and will be treated as a normal return of Premium and not as a benefit payment under this rider. If we return any accrued interest with the Premium amount, the interest will be reported as taxable income to you.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may not make a change in Specified Amount, a change in the Insured’s premium class as shown on this rider’s Policy Specifications or add rider benefits or increase the amount of rider benefits.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Further, we reserve the right to transfer all value of each Sub-Account(s) to the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the death of the Insured occurs prior to the date you satisfy all Conditions for Eligibility for Benefit Payments, we will pay the Death Benefit Proceeds. If the death of the Insured occurs while benefits are being received under this rider, we will pay the Death Benefit Proceeds, which may be less than the Remaining Benefit Amount, and the Death Benefit Proceeds will be reduced by any decrease in the remaining Benefit Amount after the date of the Insured’s death.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider provides for Monthly Deductions to be waived in the event you are receiving or have received Chronic Illness Monthly Benefits or a Terminal Illness Benefit. Once benefit payments begin, the Policy’s Monthly Deductions will continue until the Policy’s Surrender Value, and, if attached to the Policy, the No-Lapse Enhancement Rider’s No-Lapse Value, less Debt, and Reset Account Value, less Debt, are reduced to an amount insufficient to pay the Monthly Deduction. After this occurs, the Policy will not lapse as long as this rider is in force. We will stop billing you and will not allow Premium Payments unless otherwise agreed to by you and us. However, we will continue to accept loan repayments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">It is important to note that this rider does not provide an Accelerated Benefit for Chronic Illness resulting from:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Intentionally self-inflicted injury or attempted suicide, while sane or insane;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any act or incident of insurrection or war, declared or undeclared;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Insured’s participation in, or attempting to participate in, a felony, riot, or insurrection; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Alcoholism or drug addiction.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may reinstate this rider as part of your Policy if the Policy is terminated and reinstated. Such reinstatement will be subject to satisfactory evidence of insurability and all other terms and conditions of the Policy to which it is attached.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider and all rights provided under it will terminate automatically upon whichever of the following occurs first:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The date you request in writing to terminate this rider;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy’s Specified Amount exceeds the Specified Amount Limit as shown on the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The receipt of a Chronic Illness one-time lump sum payment which will cause the termination of both this rider and the Policy to which it is attached;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Remaining Benefit Amount is reduced to zero which will cause the termination of both this rider and the Policy to which it is attached;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Termination of the Policy; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The death of the Insured which will cause Death Benefit Proceeds to become payable under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In addition, if you have received an Accelerated Benefit payment, this rider will terminate on the earliest of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The date you take a Partial Surrender under the Policy; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The date you take a loan under the Policy.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Lincoln LifeAssure</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Accelerated Benefits Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The availability of this Rider is based upon the Insured meeting our underwriting criteria (including the Insured’s age, gender, and the state of the Insured’s health at the time of your application.) You must apply for this Rider at the time you apply for your Policy . While there is no charge for the Rider, there is an Administrative Fee charged at the time of each benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This Rider provides for the acceleration of up to 100% of the Original Benefit Amount, which is the lesser of the Specified Amount or the Lifetime Maximum Limit as shown on your Policy Specifications, upon occurrence of a Qualifying Event provided all of the terms and conditions of this Rider have been met. There are two Qualifying Events, described below: (1) the Insured is certified as Chronically Ill as defined in the rider; or (2) the Insured is certified as Terminally Ill as defined in the rider. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note: The amount accelerated will be subject to a discount factor for early payment of benefits. Benefit payments received will be less than the amount accelerated.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">There is no waiting period to receive a benefit under this Rider once all Conditions for Eligibility for Benefit Payments, described below, have been satisfied. The benefit payment is payable immediately on the date we approved all documentation necessary to satisfy the Conditions for Eligibility for Benefit Payments. Furthermore, we do not require proof of incurred expenses for you to receive benefits under this Rider. This Rider’s benefits will be paid to the Owner or Owner’s estate while the Insured is living, unless the benefit has been otherwise assigned or designated by the Owner. This Rider’s benefits will only be paid by check or other method made available by us. Any benefit requested during the Policy’s contestable period is subject to the “Incontestability” provision of the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Concurrent with your election to accelerate the death benefit, you and any irrevocable Beneficiary will be given a statement demonstrating the effect of the acceleration of death benefits on the Accumulation Value, Specified Amount, Premium, Surrender Value, Cost of Insurance Charges, and loans. You will be given an additional statement with each benefit payment demonstrating the effect of the acceleration of death benefits on the above noted values.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit Payment Options</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For a Chronic Illness Qualifying Event</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note that this benefit will be paid as an annual lump sum. You cannot receive payment of more than one Chronic Illness benefit per Benefit Period (a period of time equal to twelve consecutive months).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We must receive and approve a written certification prior to the start of any Benefit Period in order for you to be eligible to receive a Chronic Illness benefit payment, provided all other Conditions for Eligibility for Benefit Payments are met.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The amount accelerated will be greater than the Chronic Illness benefit payment and will be determined by dividing the requested benefit payment (subject to the minimum and maximum described below), by the applicable Chronic Illness actuarial discount factor. The amount accelerated will not be allowed to exceed the Remaining Benefit Amount, which is an amount equal to the Original Benefit Amount adjusted by subtracting the amount of all Chronic Illness benefits paid divided by the applicable Chronic Illness actuarial discount factor, and subtracting the Terminal Illness benefit paid divided by the Terminal Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">There is a minimum Chronic Illness benefit that may be made. The minimum payment will be the least of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5% of the Original Benefit Amount multiplied by the applicable actuarial discount factor; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the balance of the Remaining Benefit Amount multiplied by the applicable Chronic Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">There is a maximum Chronic Illness benefit payment that may be made. The maximum payment will be the least of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">an amount equal to the annual equivalent of the Per Diem Limit (Per Diem Limit is established annually by the Internal Revenue Service);</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">25% of the Original Benefit Amount multiplied by the applicable actuarial discount factor; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the balance of the Remaining Benefit Amount multiplied by the applicable Chronic Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For a Terminal Illness Qualifying Event</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The maximum Terminal Illness benefit payment will be the lesser of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">50% of the Remaining Benefit Amount; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$250,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note: This benefit will only be paid once and will be paid as a lump sum. If you request less than the maximum benefit, the remainder will not be available at a later date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The amount accelerated will be greater than the Terminal Illness benefit payment and will be determined by dividing the requested benefit payment by the applicable Terminal Illness actuarial discount factor. The amount accelerated will not be allowed to exceed the Remaining Benefit Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Conditions for Eligibility for Benefit Payments</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: You are eligible to receive an accelerated death benefit payment if the Policy and this Rider are in force when all of the following requirements are met:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Our receipt and approval of the following documentation provided by you:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Certification of either:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Chronic Illness, Written Certification by a Licensed Health Care Practitioner, independent of us, that the Insured is a Chronically Ill individual; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For Terminal Illness, Terminally Ill Certification by a Physician that the Insured is Terminally Ill.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A written consent to make such payment from any assignee of record named under the Policy or any Irrevocable Beneficiary named under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We complete, at our discretion and expense, a personal interview with, and an assessment of, the Insured, including examination or tests by a Licensed Health Care Practitioner or Physician of our choice for the Chronic Illness Qualifying Event or for the Terminal Illness Qualifying Event; and our receipt of copies of any relevant medical records from any health care provider involved in the Insured’s care. A Licensed Health Care Practitioner is a Physician, as defined in Section 1861(r)(1) of the Social Security Act, a registered professional nurse, licensed social worker, or other individual who meets such requirements as may be prescribed by the Secretary of Treasury, or qualifications to our satisfaction. If there is a difference in opinion between the Insured's Licensed Health Care Practitioner/Physician and our Licensed Health Care Practitioner/Physician, we will require that a third opinion be obtained from a Licensed Health Care Practitioner/Physician acceptable to us and you. This opinion will be at our expense and will be mutually binding; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Insured is living at the time all of the above requirements are met.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Payment of an accelerated death benefit is due immediately on the date we approve all documentation necessary to satisfy the Conditions for Eligibility for Benefit Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Benefit Requests</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Subject to meeting all Conditions for Eligibility for Benefit Payments, you may request to receive accelerated death benefits under multiple Qualifying Events as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Chronic Illness benefit and then at a later date request to receive the Terminal Illness benefit. In the same Policy Month, you may receive both a Chronic Illness benefit and the Terminal Illness benefit; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Terminal Illness benefit and then at a later date request to receive a Chronic Illness benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Actuarial Discount Factors</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: A Chronic Illness actuarial discount factor will be applied to each Chronic Illness amount accelerated and a Terminal Illness actuarial discount factor will be applied to the Terminal Illness amount accelerated. Actuarial discount factors reflect the early payment of benefits available under the Policy. The actuarial discount factor used will be based on a mortality assumption and an interest rate which has been declared by us in effect on the date the benefit payment is determined. The maximum interest rate used shall not exceed the greater of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current yield on 90 day treasury bills available on the date the benefit payment is determined; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Maximum Statutory Adjustable Policy Loan Interest Rate (as determined by Moody’s Corporate Bond Yield Average or similar method) in effect on the date the benefit payment is determined.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Benefit Periods for Chronic Illness Benefit Payments</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Any Chronic Illness benefit payment will be paid to you at the start of a Benefit Period, which is no later than the first Monthly Anniversary Day following the date we approved all documentation necessary to satisfy all Conditions for Eligibility for Benefit Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will not automatically send documentation to you for written certification to begin a new Benefit Period.  A new Benefit Period may be requested during a current Benefit Period.  However, a new Benefit Period will begin no earlier than the end of the current Benefit Period. A new Benefit Period will begin provided the following requirements are met:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">this Rider is in force;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">you Request a Chronic Illness benefit payment after the current Benefit Period has ended; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">we receive and approve all documentation necessary to satisfy all Conditions for Eligibility for Benefit Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Reduction in Benefit Payment Due to Debt</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Any Chronic Illness benefit or Terminal Illness benefit paid under this Rider will be first used to repay a portion of any outstanding Debt under the Policy. (Debt may also be referred to as Debt in the Policy.) The portion to be repaid will be determined by the product of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">[A / B] * C where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is Debt;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the current Specified Amount immediately prior to a benefit payment; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">C.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is either i. or ii. noted below depending on the Qualifying Event:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">i.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Chronic Illness benefit payment divided by the applicable Chronic Illness actuarial discount factor; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">ii.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Terminal Illness benefit payment divided by the applicable Terminal Illness actuarial discount factor.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If there is value in the Loan Account, the Loan Account will be reduced by the amount of the reduction in the benefit payment due to the repayment of Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">It’s important to note that this</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;"> Lincoln LifeAssure</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-style:italic;font-weight:bold;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Accelerated Benefits Rider may have an impact on any benefits provided under the following riders:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Monthly Deduction Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the Insured is on Total Disability as provided and defined under any Waiver of Monthly Deduction Rider, we will continue to waive the Monthly Deductions falling due under the Policy once payment of an accelerated death benefit begins under this Rider subject to the Insured’s continued Total Disability.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Enhanced Surrender Value Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once payment of an accelerated death benefit under this Rider begins, the Enhanced Surrender Value Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Premium Reserve Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Once payment of an accelerated death benefit under this Rider begins, you will receive a payment of the Premium Reserve Rider Surrender Value and the Premium Reserve Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit payments will reduce certain values of your Policy and other riders by multiplying such values by a reduction ratio. The values that will be reduced are the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Specified Amount;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Fixed Account Value and/or the value of the Sub-Account(s) will be reduced in the same proportion as the balances are invested in such account(s).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If any No-Lapse Enhancement Rider is attached to the Policy, the following will be reduced:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed Minimum Death Benefit; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Debt will be reduced as noted in the “Reduction in Benefit Payment” provision. Any reduction in policy values and rider values will occur on the Monthly Anniversary Day prior to the Monthly Deduction. The proportion by which the above values will be reduced will be based on a Reduction Ratio, determined as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Chronic Illness Benefit Payments: Each Chronic Illness benefit payment will reduce the above values, in each case, to an amount determined by multiplying each value by a Reduction Ratio of (B-A)/B where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the Chronic Illness benefit payment divided by the applicable Chronic Illness actuarial discount factor, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the current Specified Amount immediately prior to a benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Terminal Illness Benefit Payment: The payment of the Terminal Illness benefit payment will reduce the above values, in each case, to an amount determined by multiplying each value by a Reduction Ratio of (B-A)/B where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the Terminal Illness benefit payment divided by the applicable Terminal Illness actuarial discount factor, and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the current Specified Amount immediately prior to the benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Effect of the first request for an accelerated death benefit payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the death of the Insured occurs after the Owner requests to receive accelerated death benefits but before any such benefits are received, the request shall be cancelled and the Death Benefit Proceeds will be paid pursuant to the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Effect on Policy and Riders after the first accelerated death benefit payment</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Each accelerated death benefit payment will reduce the Specified Amount used to determine the Policy’s Cost of Insurance. As a result, the Cost of Insurance and any Premiums necessary to keep the Policy in force will change.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note: You must continue to pay any Premiums necessary to keep the Policy in force as described in the Policy or in any applicable riders attached to the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will send you a report showing the change in current values under your Policy with each accelerated death benefit payment you receive.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Loan Account, if any, will be reduced as noted in the “Reduction in Benefit Payment” section noted above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the death of the Insured occurs while benefits are being received under this Rider, we will pay the Death Benefit Proceeds, which may be less than the Remaining Benefit Amount, and the Death Benefit Proceeds will be reduced by any decrease in the Remaining Benefit Amount after the date of the Insured’s death.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The rider and all rights provided under it will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy terminates or is surrendered for its Surrender Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date we receive your request to terminate this Rider;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If any No-Lapse Enhancement Rider is attached to the Policy, any increase of the Policy’s Specified Amount will cause this Rider to terminate;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Remaining Benefit Amount is reduced to zero;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Policy’s Specified Amount and the Remaining Benefit Amount are reduced to zero, which will cause the termination of both this Rider and the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">f.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The death of the Insured which will cause the Death Benefit Proceeds to become payable under the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Termination of this Rider shall not prevent the payment of accelerated death benefits for any Qualifying Event that occurred while this Rider was in force except where amounts have been paid or are payable as Death Benefit Proceeds.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Reinstatement</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you have not yet received an accelerated death benefit under this Rider, and the Policy is terminated and reinstated, you may reinstate this Rider as part of your Policy. Such reinstatement will be subject to satisfactory Evidence of Insurability and all other terms and conditions of the Policy. If any accelerated death benefits have been received under this Rider, this Rider may not be reinstated.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Exclusions</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This Rider does not provide an accelerated death benefit for Chronic Illness or Terminal Illness resulting from intentionally self-inflicted injury or attempted suicide, while sane or insane.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Long-Term Care Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Subject to meeting eligibility requirements, this rider provides monthly benefit payments for the reimbursement of expenses incurred by the Insured for Covered Services to the extent that such services are qualified long-term care services prescribed in the Plan of Care. Please see your Policy for additional information. Benefits are provided through the acceleration of your Policy’s death benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Long-Term Care Rider may only be elected at Policy issuance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The availability of this rider is based upon the Insured meeting our underwriting criteria (including the Insured’s age, gender, and the state of the Insured’s health at the time of your application).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may return this rider for any reason to the insurance agent through whom it was purchased, to any other insurance agent of the Company, or to us at the Service Office mailing address shown on the cover of your Policy within 30 days after its receipt. If returned, this rider will be considered void from your Policy Date and we will refund all charges deducted for it as a credit to your Policy within 30 days of the return.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> An Insured may receive benefits under this rider once the following conditions are met:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the total benefits paid to date under this rider must not have reduced the Remaining LTC Benefit Pool to zero;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">written certification within the preceding 12-month period from a Licensed Health Care Practitioner that the Insured is Chronically Ill;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a Plan of Care (a written document which outlines individualized medical treatment; please see your Policy and rider for additional information) prescribed by a Licensed Health Care Practitioner for Covered Services is received at least every 12 months; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">all claim forms and written notifications are submitted and in Good Order.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An Insured who is Chronically Ill is unable to perform without substantial assistance at least two activities of daily living for at least 90 days (i.e. bathing, continence, dressing, eating, toileting and transferring); or requires substantial supervision to protect the Insured from health and safety caused by a severe cognitive impairment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Benefits will be paid under this rider for as long as:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. the above listed Eligibility Conditions of this rider are met;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">b. the requirements of the “Claims” section of this rider are satisfied;</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. any claim is either:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(i) for reimbursement of cost incurred and actually paid by the Insured for Covered Services which are Qualified Long-Term Care Services prescribed in the Plan of Care and that have not already been reimbursed by us; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(ii) for payment of Transitional Care Assistance Benefits for days on which the Insured received Transitional Care Assistance only, meaning that the Insured did not receive any other Covered Service or combination of Covered Services on that same calendar day; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. this rider remains in force. This condition does not apply to benefits received under the “Benefits After Lapse”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">provision in this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If we determine that the Insured no longer meets the requirements of being Chronically Ill, all benefit payments will stop. Should the Insured later be recertified as being Chronically Ill and meet all conditions for the payment of benefits under this rider, benefit payments will resume subject to the Remaining LTC Benefit Pool.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">There is no deductible period or elimination period which must be satisfied in order to be eligible for benefits under this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Benefits Available</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The amounts we reimburse you are subject to a monthly maximum dollar amount that can be accelerated each Policy month (the “Maximum Monthly LTC Benefit Amount”) which is based on amounts specified by you (the “LTC Specified Amount” and the “Maximum Monthly LTC Benefit Percentage” is based on our selection at issue of either 2% or 4% and cannot be changed after issue), all of which are shown in your Policy Specifications. The LTC Specified Amount you choose at issue is used in determining the LTC Benefit Pool that may be accelerated to reimburse the long-term care expenses for benefits covered by this rider. The LTC Benefit Pool is multiplied by the Maximum Monthly LTC Benefit Percentage to determine the Maximum Monthly LTC Benefit Amount. Please refer to your Policy Specifications for details. We will pay an amount not to exceed the Maximum Monthly LTC Benefit Amount no less frequently than once each Policy Month until the Remaining LTC Benefit Pool equals zero to reimburse the costs for any Covered Service(s). The amount available as a benefit will be equal to the lesser of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The LTC Benefit Pool is equal to the lesser of (a) or (b) where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">equals the LTC Specified Amount, proportionately adjusted for any increases or decreases to the Policy Death Benefit Proceeds due to:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1. Impacts of the Corridor Percentages Table, or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. Adjusted for withdrawals or other Policy changes</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">equals the LTC benefit cap shown in the Policy Specifications</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In any Policy Month in which you are eligible to receive benefits under this rider, the maximum amount available as a benefit under this rider is equal to the lesser of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. an amount equal to (1) plus (2), where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) equals the sum of costs incurred and actually paid by the Insured for Covered Services for the calendar month which have not already been reimbursed by us; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2) equals the daily Transitional Care Assistance Benefit shown in the Policy Specifications multiplied by the number of days in the calendar month in which Transitional Care Assistance was received;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. the amount you request;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. the Maximum Monthly LTC Benefit Amount; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. the Remaining LTC Benefit Pool.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If there is an outstanding Debt, the benefit paid under this Rider will first be used to repay a portion of the Debt. Benefits paid for any Covered Service or combination of Covered Services will reduce the Remaining LTC Specified Amount dollar for dollar.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any benefits payable for facilities outside the United States are subject to additional limitations. Please see your Policy and rider for additional information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Covered Services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: The following is a list of Covered Services eligible for reimbursement under this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Adult day care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Assisted living facility services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Bed reservation</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Care planning services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Caregiver training</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Home health care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Hospice services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Nursing home care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Respite care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Alternative care services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Non-continual services</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Transitional Care Assistance</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Exclusions</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: This rider does not provide benefits for:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">treatment or care due to alcoholism or drug addiction;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">treatment for attempted suicide or an intentionally self-inflicted injury;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">treatment provided in a Veteran’s Administration or government facility;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">loss to the extent that benefits are payable from governmental programs or other insurance programs;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">confinement or care received outside the United States other than benefits for nursing home care services and assisted living facility services;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">f.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">services provided by a facility or an agency that does not meet this rider’s definition for such facility or agency as described in the “Covered Services” section of this rider; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">g.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">services provided by the Insured’s or Owner’s immediate family member, except as provided in the Transitional Care Assistance provision; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">h.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">services for which no charge is or would normally be made in the absence of insurance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Impact of Policy Transactions</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Increases and Decreases to Policy Specified Amount: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The LTC Specified Amount cannot be increased. A request to decrease your Policy’s Specified Amount </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">will</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> reduce the Remaining LTC Specified Amount only if your Policy’s Specified Amount following the decrease is less than the Remaining LTC Specified Amount. In this situation, the Remaining LTC Specified Amount will be reduced to equal your Policy’s Specified Amount following the decrease.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Partial Surrender (Withdrawal): </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Partial Surrender under your Policy will reduce the remaining LTC Specified Amount by the same amount that the Specified Amount is reduced.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Addition of Riders or Increase to Benefits of Existing Riders: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once a benefit payment has been made under this rider, you may not add any riders or increase the benefits under any rider already attached to your Policy as long as this rider remains in force.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">It’s important to note that if any of the following riders are in effect, this Long-Term Care Rider may have an impact on any benefits provided under the following riders:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Accelerated Benefits Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">YOU CANNOT RECEIVE BENEFITS UNDER MORE THAN ONE ACCELERATION OF BENEFITS RIDER ATTACHED TO YOUR POLICY, EVEN IF MULTIPLE ACCELERATION OF BENEFITS RIDERS ARE ATTACHED. Therefore, receipt of a benefit under the Long-Term Care Rider will be considered a request to terminate any other Accelerated Benefits Rider attached to your Policy. Likewise, receipt of a benefit under any Accelerated Benefits Rider attached to your Policy will be considered a request to terminate the Long-Term Care Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Change of Insured Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider is not available if you have chosen the Long-Term Care Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Enhanced Surrender Value Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: Upon receipt of a benefit under the Long-Term Care Rider, the Enhanced Surrender Value Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Overloan Protection Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Election of the Overloan Protection Feature described in the Overloan Protection Rider will be considered a request to terminate the Long-Term Care Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Premium Reserve Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Upon receipt of a benefit under the Long-Term Care Rider, you will receive a payment of the Premium Reserve Rider Surrender Value and the Premium Reserve Rider will terminate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Monthly Deduction Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the Insured is on “total disability” as defined under any Waiver of Monthly Deduction Rider, we will continue to waive the monthly deductions falling due under your Policy once payment of benefits begin under the Long-Term Care Rider, subject to the Insured’s continued total disability. If not already on total disability, the Insured may qualify for benefits under any waiver of monthly deduction rider after payment of benefits have already begun under the Long-Term Care Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">No-Lapse Enhancement Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the No-Lapse Enhancement Rider is attached to your Policy, the following will apply:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For purposes of determining the No-Lapse Value Monthly Deduction and the No-Lapse Value Cost of Insurance:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In lieu of adding any charges for the Long-Term Care Rider to the No-Lapse Value Cost of Insurance calculation, the No-Lapse Value Monthly LTC Rider Charge and No-Lapse Value Monthly Administrative LTC Rider Fee (please see your Policy and rider for additional information) become part of the No-Lapse Value Monthly Deduction described in the No-Lapse Enhancement Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value LTC Rider Cost of Insurance Rates shown on your Policy Specifications will not change.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The No-Lapse Value Monthly Administrative LTC Rider Fee as of your Policy Date and duration are shown on your Policy Specifications and will not increase.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For purposes of determining the Reset Account Value Monthly Deduction and the Reset Account Value Cost of Insurance:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In lieu of adding any charges for the Long-Term Care Rider to the Reset Account Value Cost of Insurance calculation, the Reset Account Value Monthly LTC Rider Charge and Reset Account Value Monthly Administrative LTC Rider Fee (please see your Policy and rider for additional information) become part of the Reset Account Value Monthly Deduction described in the No-Lapse Enhancement Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value LTC Rider Cost of Insurance Rates shown on your Policy Specifications will not change.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Reset Account Value Monthly Administrative LTC Rider Fee as of your Policy Date and duration are shown on your Policy Specifications and will not increase.</span><span style="font-family:Arial Narrow;font-size:10pt;">For purposes of determining the LTC Benefit available to you, if Guaranteed Minimum Death Benefit Option 1,</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">if available and is selected, the amount of LTC benefit</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">will be limited based on the Maximum Monthly LTC Benefit Percentage that you select at issue. The benefit will equal the lesser of 50% of the Initial Specified Amount or the LTC Benefit cap.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Impact Of Debt On Benefit Payments</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A benefit paid under this rider will be first used to repay a portion of any outstanding debt under your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The portion to be repaid will equal the sum of (1) plus (2), divided by (3), then multiplied by (4), where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the balance in the Loan Account;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is any accrued loan interest not yet charged;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is your Policy’s Specified Amount immediately prior to the benefit payment; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the amount of the benefit payment prior to the reduction to repay Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If there is value in the Loan Account (also known as the Collateral Account), the Loan Account will be reduced by the amount of the benefit payment used to repay Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Impact Of Benefit Payments On Policy</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Policy and Rider Values: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Benefit payments will reduce certain values of your Policy and other riders by multiplying such values by a reduction ratio. The following values will be reduced:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Specified Amount;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Fixed Account Value and/or Sub-Account(s) will be reduced in the same proportion as the balances are invested in such account(s).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If any No-Lapse Enhancement Rider is attached to your Policy, the following will be reduced:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the No-Lapse Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Reset Account Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Guaranteed Minimum Death Benefit; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Reset Death Benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Debt will be reduced as described in the “Reduction in Benefit Payments Due to Debt” provision. The reduction ratio used is equal to (1) minus (2), then divided by (1), where:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is your Policy’s Specified Amount immediately prior to the benefit payment; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the amount of the benefit payment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">LTC Benefit Pool Acceleration: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the date a claim is approved, the LTC Benefit Pool will be fixed and will not change for the duration of the claim. All LTC acceleration payments will be paid from the Remaining LTC Benefit Pool described in the “Benefits Available” provision.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once your claim is approved, we will transfer any Accumulation Value from the Separate Accounts to the Fixed Account. Any applicable transfers will be made at the end of the Valuation Day following approval of your claim. While LTC benefits are being paid, allocation of Accumulation Value will not be allowed into any Separate Account and all Premium Payments received will be allocated to the Fixed Account. Allocation Requirements described in the Policy or attached riders will not apply once a claim is approved and until LTC benefits are no longer being paid.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">New Loans and Partial Surrenders (Withdrawals): </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In any Policy Month in which a benefit under this rider is paid, we will not grant a new loan or allow a Partial Surrender against your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Availability of Policy Death Benefit Proceeds: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While receiving benefits under this rider, except for Caregiver Training, your Death Benefit Proceeds will never be less than the Remaining LTC Benefit Pool minus Debt. If the Insured dies while receiving benefits under this rider, we reserve the right to withhold payment of any Death Benefit Proceeds that would otherwise be payable until we have verified that we have received all remaining claims for Covered Services. Any Death Benefit Proceeds paid may include interest as required by applicable law.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">When LTC benefits are no longer being paid: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If we determine that the Insured no longer meets the requirements of being Chronically Ill, has not filed a subsequent claim, or received reimbursement for Covered Services for a minimum of a continuous 90-day period, or at your request, we will close your claim. Prior to closing your claim, we will send your written notification. Once your claim is closed, the LTC Benefit Pool will no longer be fixed and may be adjusted.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">You may submit a request to reallocate any Accumulation Value in the Fixed Account once your claim is closed. Transfer limitations from the Fixed Account will be waived for this request.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lapse and Lapse Protection</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Rider Charges and Fees: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Monthly LTC Rider Charge and Monthly Administrative LTC Rider Fee, including those used in the calculation of the No-Lapse Enhancement Rider will not be deducted on the Monthly Anniversary Day immediately following the date a benefit under this rider is paid. Monthly Deductions for the Policy and any other riders will continue, subject this rider’s “Policy and Rider Lapse Protection” provision (as described below).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Policy and Rider Lapse Protection: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your Policy would otherwise enter the Grace Period on any Monthly Anniversary Day immediately following the date a benefit under this rider is paid, the entire Monthly Deduction described in your Policy, including all Monthly Deductions for any No-Lapse Enhancement Rider attached to your Policy, will be waived, and your Policy and this rider will not lapse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Death Benefit Proceeds available while your Policy is kept in force under this provision will be limited to no more than the Remaining LTC Specified Amount minus Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once benefits under this rider are no longer being paid, you may have to pay additional Premium and/or repay outstanding Debt to prevent your Policy from Lapsing.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Grace Period: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Your Policy and this rider will enter the Grace Period as described in your Policy’s “Grace Period”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">provision, subject to the No-Lapse Enhancement Rider under your Policy and this rider’s “Waiver of Rider Charges and Fees” and “Policy and Rider Lapse Protection Feature” provisions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Benefits After Lapse: </span><span style="font-family:Arial Narrow;font-size:10pt;">If your Policy Lapses, we will continue to reimburse costs incurred for such services subject to the terms and conditions of this rider if the confinement began while this rider was in force and continues without interruption after the Policy and rider terminate. Please refer to your rider for additional information.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Reinstatement of Rider: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In the event of a lapse, subject to meeting the criteria in the Rider, your Policy may be reinstated.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> This Rider will not be reinstated if the Policy Lapses and is reinstated more than 6 months after the date of Lapse. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Please refer to your rider for additional information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Claims</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We must receive notice of your claim within 60 days after the date the covered loss starts. (State variations may apply.) Please see your Policy and rider for additional information. Once you have notified us of your intent to file a claim, we will provide the forms you need to complete to file the claim. You must return the completed, signed forms to us to the address provided on the forms. If we determine that the claim is eligible for payment, we will pay the claim directly to you, or if requested, to the service provider. All payments will be made no less frequently than once per Policy Month.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Once you begin receiving benefits, we reserve the right, from time to time, to verify that the Insured and the Insured’s care providers meet all eligibility requirements of this rider. The Insured must be reassessed by his or her Licensed Health Care Practitioner, at least once every 12 months, and certify to us that the Insured remains Chronically Ill. Generally, Proof of loss (reasonably determined by us) must be received within 30 days after the end of each Policy Month for which benefits are sought.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will inform you, in writing, if your claim or any part of your claim has been denied and provide you with an explanation for the denial as soon as reasonably possible. If you do not agree with our decision, you have the right to appeal. Any request to appeal must be made in writing and must include any and all information you believe necessary for our consideration of the appeal. If we discover any fraudulent act or acts in connection with a claim, we shall have the right to recover any payments and/or to decline to continue paying benefits that result from such fraudulent act or acts.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Tax Treatment of Benefits</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This rider is intended to be a qualified long-term care insurance contract under Section 7702B of the Internal Revenue Code of 1986, as amended. The benefits paid under this rider are intended to be treated as accelerated death benefits for federal tax purposes on the life of a chronically ill insured person receiving qualified long-term care services within the meaning of section 7702B(c)(1) of the Code.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The benefits paid under this rider are intended to qualify for exclusion from income subject to limitations. Generally, long-term care payments from all sources with respect to an insured person will be limited to the higher of the annual per diem limit or the amount of actual qualifying long-term care expenses, reduced by any reimbursements received for the qualifying long-term care services provided for the insured.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charges for the Rider will be deducted from the cash value of the life insurance policy. In accordance with Code section 72(e)(11), these deductions will reduce your investment in the contract (but not below zero) and will not be included in income even if you have recovered all of your investment in the contract. If the life insurance policy is owned by a person other than the insured, benefit payments may not meet the requirements for favorable tax treatment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This discussion of the tax treatment of the long-term care rider is not meant to be all inclusive. Due to the complexity of these tax rules, you are encouraged to consult your legal or tax advisor regarding these matters.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Termination of Rider</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The rider and all rights under it will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date we receive your request to return it under this rider’s right to examine provision;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Valuation Day on or next following the date we receive your request to terminate your Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Monthly Anniversary Day on or next following the date we receive your election of the Overloan Protection Feature under the Overloan Protection Rider, if attached;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Monthly Anniversary Day on or next following the date you receive a benefit under any other Acceleration of Benefits Rider attached to your Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date the Remaining LTC Benefit Pool is reduced to zero;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date your Policy’s Specified Amount and the Remaining LTC Benefit Pool are both reduced to zero, which will cause the termination of both this rider and your Policy; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date the Insured dies, which will cause the Death Benefit Proceeds to become payable under your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charges and fees deducted for this rider on the Monthly Anniversary Day immediately preceding the date your Policy and this rider terminate in accordance with items (2) or (7) above will be returned as a credit to your Policy.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Bonus Rider</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">.</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">This Rider is not available for applications received on or after November 13, 2023.</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">You must apply for this rider at the time you apply for your Policy. The rider can provide a Bonus Rider Benefit Amount if the Bonus Rider Conditions are met. The Bonus Rider Benefit Amount uses the change in value of the S&amp;P 500 Index to calculate a credit that will be applied to the Separate Account Value or Fixed Account Value, subject to the change in the value of the Index and certain factors as shown in your Policy Specifications.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The current Index that is being used to calculate the Bonus Rider is the S&amp;P 500 Index. If an Index is discontinued, or if an Index calculation changes substantially, we will select an alternative Index and you will be provided with a supplement to your prospectus in the event that such a change is made. The S&amp;P 500 Index is a product of S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global, or its affiliates (“SPDJI”), and has been licensed for use by The Lincoln National Life Insurance Company. Standard &amp; Poor’s</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> and S&amp;P</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> are registered trademarks of Standard &amp; Poor’s Financial Services LLC, a division of S&amp;P Global (“S&amp;P”); Dow Jones</span><span style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;margin-left:1pt;position:relative;top:-7pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The Lincoln National Life Insurance Company’s product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&amp;P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&amp;P 500 Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">The rider’s benefits:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Subject to the Bonus Rider Conditions described below, and following the Policy’s Right to Examine Period, beginning on the Initial Bonus Option Start Date (the 15th day of the calendar month or the next business day, if this day coincides with a weekend, customary holiday, or a date in which the New York Stock Exchange is closed) and each Bonus Option Start Date (the 15th of each subsequent calendar month following the Initial Bonus Option Start Date) that this Rider is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">active</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, this Rider subtracts a portion of the Separate Account Value (the “Bonus Rider Charge”) and creates an Open Bonus Option. The new Open Bonus Option will credit a Bonus Rider Benefit Amount, if any, to the Accumulation Value on its Bonus Option Maturity Date. If this Rider is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">inactive</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, a monthly Bonus Rider Charge will not be subtracted from the Separate Account Value and Bonus Options will not be opened on subsequent Bonus Option Start Dates.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each calendar month this Rider is in force, you can elect to have this Rider be active or inactive. We must receive your election no later than two business days prior to a Bonus Option Start Date. If we receive your election to make this Rider active one business day prior to, or on a Bonus Option Start Date the activation will be delayed until the next available Monthly Bonus Option Date. If we receive your Election to make this Rider inactive one business day prior to, or on a Monthly Bonus Option Date the deactivation will be delayed until the next available Monthly Bonus Option Date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each Bonus Option has a Bonus Option Duration which is the length of time it takes for a Bonus Option to mature. The Bonus Option Duration is shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Bonus Rider conditions: In order for a Bonus Option to be started, the following conditions must be met on the Initial Bonus Option Start Date and each Bonus Option Start Date:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. The Policy must be in force;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. The Bonus Rider must be active;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">c. The Policy must have Separate Account Value;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. The Policy is not in a grace period;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. The Policy’s death benefit is not being accelerated under any Long-Term Care Rider; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">f. The Insured is living.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In order for you to receive a Bonus Rider Benefit Amount, the following conditions must be met on a Bonus Option Maturity Date:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. The Policy must be in force; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. The Insured is living.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any Bonus Rider Benefit Amount will be applied as explained in the ”Payment of Bonus Rider Benefit Amount” provision below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">How we calculate the Bonus Rider Benefit Amount:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> One business day prior to the Initial Bonus Option Start Date and one business day prior to each subsequent Bonus Option Start Date that the Bonus Rider Conditions are met a monthly Bonus Rider Charge will be subtracted from the Separate Account Value. The Bonus Rider Charge will be subtracted from any Sub-Account(s) in the same proportion as the balances invested in the total of such Sub-Account(s) as of the Bonus Option Date. The Bonus Rider Charge is determined as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. the monthly Bonus Rider Charge Rate shown in the Policy Specifications;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. multiplied by the Separate Account Value on the Bonus Option Start Date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Bonus Rider Charge will not be subtracted from the Policy’s Fixed Account; it will only be subtracted from the Separate Account Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If any No-Lapse Enhancement Rider is attached to the Policy and in force, the No-Lapse Value Premium Load used to calculate the No-Lapse Value will be increased due to the presence of the Bonus Rider at issue. The No-Lapse Value Premium Load will not be increased after the Policy is issued or decreased if the Bonus Rider is terminated. The No-Lapse Value Premium Load is used in calculating the No-Lapse value, which is separate and distinct from the Bonus Rider Charge taken from the Separate Account Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on Death Benefit Proceeds:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If your Policy has Separate Account Value on a Bonus Option Maturity Date, any Bonus Rider Benefit Amount will be applied to the Sub-Account(s) in the same proportion as the balances invested in the total of such account(s) as of the Bonus Option Maturity Date. If your Policy does not have Separate Account Value on a Bonus Option Maturity Date, any Bonus Rider Benefit Amount will be applied to the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact on the Policy’s Grace Period:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Policy is in a Grace Period and this Rider is active, Bonus Options will not be started. However, if the Policy is in a Grace Period on a Bonus Option Maturity Date, any Bonus Rider Benefit Amount will be applied to the Accumulation.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact of Policy Surrender:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If you request a Full Surrender of your Policy with any Bonus Option(s) that have not reached their Bonus Option Maturity Date(s), you will not receive any Bonus Rider Benefit Amount(s) for those Bonus Option(s).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact of Death:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Insured’s death occurred with any Bonus Option(s) that have not reached their Bonus Option Maturity Date(s), you will not receive any Bonus Rider Benefit Amount(s) for those Bonus Option(s).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Impact of Other Riders and Benefits:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If any of the following Riders are attached to your Policy, the Riders may have an impact on the Bonus Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Waiver of Monthly Deduction Benefit Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Insured is on Total Disability, as provided and defined under any Waiver of Monthly Deduction Rider, the Bonus Rider will be inactive.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Long-Term Care Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> While the Policy’s death benefit is being accelerated under any Long-Term Care Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1. No Bonus Rider Charge will be subtracted from the Policy;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. No new Bonus Options will be started; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3. If there are any Bonus Option(s) when acceleration of the Policy’s death benefit begins, any Bonus Rider Benefit Amount(s) will be applied to the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4. If acceleration of the Policy’s death benefit stops under the Long-Term Care Rider, and you transfer Accumulation Value into the Sub-Account(s), but the Bonus Rider is inactive, you can submit an election to activate the Bonus Rider subject to the Bonus Rider active and inactive elections.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5. If acceleration of the Policy’s death benefit stops under the Long-Term Care Rider, you transfer Accumulation Value into the Sub-Account(s), and the Bonus Rider is still active, the Bonus Rider Charges will resume on the next Bonus Option Start Date following the end of the acceleration of the Policy’s death benefit and Bonus Option(s) will be opened subject to the Bonus Rider conditions provision above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Reinstatement of this Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Policy terminates and is reinstated following Lapse, this Rider will be permanently inactive. Upon reinstatement, you will not receive any Bonus Rider Benefit Amount(s) for any Bonus Options that reached their Bonus Option Maturity Date(s) while the Policy was terminated. If this Rider is reinstated with any Bonus Option(s) that have not reached their Bonus Option Maturity Date(s) the crediting of any Bonus Rider Benefit Amount(s) will be applied to the Accumulation Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When will this Rider terminate: This Rider and all rights under it will terminate upon the earliest of the following:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a. The termination or lapse of the Policy; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">b. The Policy Anniversary immediately prior to the Insured’s Attained Age 121.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Change of Insured Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">  With this rider, you may name a new Insured in place of the current Insured. Underwriting and policy value requirements must be met. The benefit expires on the anniversary nearest to the current Insured’s 65</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> birthday. There is no separate charge for this rider; however, policy charges applicable to the new Insured may differ from charges applicable to the current Insured. Exercising the Change of Insured Rider is a fully taxable event to the extent that there is taxable gain at the time of the change of Insured.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Enhanced Surrender Value Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If desired, you must select this rider when you initially apply for insurance. The rider provides an enhanced Surrender Value without imposition of a Surrender Charge if you fully surrender your Policy during the first five Policy Years (the “Enhanced Surrender Value Period”). This rider does not provide for enhanced Surrender Value for Partial Surrenders, loans, or in connection with the exchange of this Policy for any other policy. This rider will terminate at the earliest of the Full Surrender of the Policy for the benefit provided by this rider; the end of the fifth Policy Year; lapse of the Policy; or exchange, replacement, or any termination of the Policy except for the benefits provided by the Change of Insured Rider. In Policy Years 2-5, there will be a monthly charge per $1,000 of Initial Specified Amount for this rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Policy is fully surrendered at any time during the Enhanced Surrender Value Period, the Surrender Value payable on the date your Policy is surrendered will equal:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Policy's Accumulation Value; minus</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following example demonstrates hypothetical Accumulation Values and Surrender Values with and without the Enhanced Surrender Value Rider during the first five Policy Years of the Policy described below:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Sample Policy</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Insured: Male Standard Non-tobacco, age 45</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Specified Amount: $1,000,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Planned annual Premium Payment: $35,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No Debt</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Assumed Investment Return: 8.00% gross (7.49% net)*</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:54pt;width:348pt;"> <tr style="height:25.75pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:20.72pt;margin-right:12pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">End of Year</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12pt;margin-right:12pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Accumulation</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value Without</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">ESV Rider</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12pt;margin-right:12pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Surrender</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value Without</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">ESV Rider</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12pt;margin-right:12pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Accumulation</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value With</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">ESV Rider</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12pt;margin-right:20.72pt;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Surrender</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Value With</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">ESV Rider</span></div></div></div></td></tr> <tr style="height:13.25pt;"> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$29,240</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$0</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$29,240</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:1.25pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$29,240</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$60,214</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$26,644</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$59,437</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$59,437</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$93,040</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$60,190</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$91,433</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$91,433</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$127,915</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$95,795</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$125,421</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$125,421</span></div></div></td></tr> <tr style="height:11.5pt;"> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:69.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:20.72pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5</span></div></div></td> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$165,017</span></div></div></td> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:69.86pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$133,637</span></div></div></td> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:68.45pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$161,577</span></div></div></td> <td style="padding-bottom:6pt;padding-top:2.5pt;vertical-align:Bottom;width:70.22pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:20.72pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$161,577</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">*</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Assumed Investment Return shown is illustrative only.  Your investment return may be higher or lower than the rate used to create this table.  The table is intended to illustrate the effect(s) of the application of the ESV Rider on policy values and is not intended to imply that a purchaser can expect to achieve the values shown.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deduction Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If desired, you must select this rider when you initially apply for insurance. Monthly Deductions will be waived during periods of covered total disability commencing prior to the Policy Anniversary nearest the Insured’s 65</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">th</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> birthday. Charges for this rider, if elected, are part of the Monthly Deductions.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Policy Loans.</span><span style="font-family:Arial Narrow;font-size:10pt;"> Outstanding Policy Loans and accrued interest reduce the Policy's death benefit and Accumulation Value. We may limit the amount of your loan so that total Debt under the Policy will not exceed 90% of an amount equal to the Accumulation Value less Surrender Charge. If at any time the total Debt against your Policy, including interest accrued but not due, equals or exceeds the then current Accumulation Value less Surrender Charges, the Policy will terminate subject to the conditions in the Grace Period provision, unless the provisions of the No-Lapse Enhancement Rider are preventing policy termination. If your Policy lapses while a loan is outstanding, the borrowed amount may be taxable to you to the extent your Policy's value exceeds your basis in the Policy. Amounts transferred to the Loan Account do not participate in the performance of the Sub-Accounts or the Fixed Account. There may be adverse tax consequences if your Policy lapses with an outstanding loan balance. Please see “POLICY LOANS” section for additional information.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Dollar Cost Averaging</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">systematically transfers amounts during the first Policy Year from the money market Sub-Account or the Fixed Account. Transfer allocations may be made to one or more of the Sub-Accounts (not the Fixed Account) on a monthly basis. These transfers do not count against the free transfers available. By making allocations on a regularly scheduled basis, instead of on a lump sum basis, you may reduce exposure to market volatility. Dollar Cost Averaging will not assure a profit or protect against a declining market.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If Dollar Cost Averaging is desired, it must be elected at issue.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Dollar Cost Averaging terminates automatically:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if the value in the money market Sub-Account  or the Fixed Account is insufficient to complete the next transfer;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7 calendar days after our Administrative Office receives a request for termination in writing or by telephone, with adequate authentication;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on the first Policy Anniversary; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if your Policy is surrendered or otherwise terminates.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">From time to time, we may offer special interest rate programs for Dollar Cost Averaging. Please consult your registered representative to determine the current availability and terms of these programs. We reserve the right to modify, suspend or terminate a Dollar Cost Averaging program. Any changes will not affect Owners currently participating in the Dollar Cost Averaging program.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Automatic Rebalancing</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">periodically restores to a pre-determined level the percentage of policy value allocated to the Fixed Account and each Sub-Account. The pre-determined level is the allocation initially selected on the allocation form provided by us, until changed by the Owner. Your Policy will be issued with Automatic Rebalancing. When Automatic Rebalancing is in effect, all Net Premium Payments allocated to the Sub-Accounts and Fixed Account will be subject to Automatic Rebalancing. Transfers among the Sub-Accounts and the Fixed Account as a result of Automatic Rebalancing do not count against the number of free transfers available.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Automatic Rebalancing provides a method for reestablishing fixed proportions among your allocations to your Sub-Accounts and Fixed Account on a systematic basis. Automatic Rebalancing helps to maintain your allocation among market segments, although it entails reducing your policy values allocated to the better performing segments. Therefore, you should carefully consider market conditions and the investment objectives of each Sub-Account and Underlying Fund at the time you make your Premium Payment allocations which will also be used for Automatic Rebalancing.</span><br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Automatic Rebalancing is available only on a quarterly basis. Automatic Rebalancing may be terminated, or the allocation may be changed at any time, by contacting our Administrative Office. Terminating Automatic Rebalancing will terminate the No-Lapse Enhancement Rider attached to your Policy. Refer to the “Riders” section of this prospectus for more information.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Please note that maintaining Automatic Rebalancing on a quarterly basis and complying with the allocation requirements described above in the “No-Lapse Enhancement Rider” section under “Allocation Requirements”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">section and below in the “Appendix B: Current Investment Restrictions for Optional Benefits - No-Lapse Enhancement Rider” are required to keep the No-Lapse Enhancement Rider in force.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;font-weight:bold;text-transform:uppercase;">DEATH BENEFITS</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The “Death Benefit Proceeds” is the amount payable to the Beneficiary upon the death of the Insured. Loans, loan interest, Partial Surrenders, and overdue charges (such as Monthly Deductions), if any, are deducted from the Death Benefit Proceeds prior to payment. We will pay interest on any Death Benefit Proceeds payable only as required by applicable law. Riders, including the No-Lapse Enhancement Rider and the Premium Reserve Rider, may impact the amount payable as Death Benefit Proceeds in your Policy. The Guaranteed Minimum Death Benefit that you select under the provisions of the No-Lapse Enhancement Rider will only affect the Death Benefit Proceeds while the rider’s No-Lapse Provision is maintaining the Policy in force. The annual statement you receive will show whether or not the No-Lapse Provision is maintaining your Policy in force. As discussed in more detail in the “Riders” section of this prospectus, the No-Lapse Enhancement Rider may provide a death benefit which differs from that paid under the Policy.  The Premium Reserve Rider Accumulation Value, if any, less any Debt under the Premium Reserve Rider, will be added to the Policy's Death Benefit Proceeds.  If the Policy's death benefit is paid pursuant to the terms of the No-Lapse Enhancement Rider, the Premium Reserve Rider Accumulation Value, if any, less any Debt under the Premium Reserve Rider, will be added to the death benefit payable under the terms of that rider. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Death Benefit Proceeds</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Death Benefit Proceeds payable upon the death of the Insured will be the greater of:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Specified Amount on the date of the Insured’s death, plus any Riders or benefits that are payable, less any Debt and Partial Surrenders processed after the Insured’s date of death; or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">an amount equal to the Accumulation Value on the date of the Insured’s death, plus any Riders or benefits that are payable, multiplied by the applicable percentage shown in the Corridor Percentages Table in the Policy Specifications, less any Debt and Partial Surrenders processed after the Insured’s date of death. (Please note that the investment performance of the Sub-Accounts you have chosen will impact the Accumulation Value and therefore may affect the amount of Death Benefit Proceeds payable.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Changes to the Initial Specified Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Within certain limits, you may decrease (reduce) or, with satisfactory evidence of insurability, increase the Specified Amount. Any increase in Specified Amount may increase the Net Amount at Risk and the Cost of Insurance Charge. (See the “Cost of Insurance Charge” section of this prospectus.) The minimum Specified Amount is currently $100,000 (other limits may apply when your Policy is not fully underwritten).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Partial Surrender may reduce the Specified Amount. If the Specified Amount is reduced as a result of a Partial Surrender, the death benefit may also be reduced. (See section headed “Policy Surrenders - Partial Surrender” for details as to the impact a Partial Surrender may have on the Specified Amount.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You must submit all requests for changes in the Specified Amount in writing to our Administrative Office. The minimum increase in Specified Amount currently permitted is $1,000. If you request a change, a supplemental application and evidence of insurability must also be submitted to us.</span><span style="font-family:Arial Narrow;font-size:10pt;">If you increase the Specified Amount, there will be additional Surrender Charges in the event you request a surrender of the Policy. A Surrender Charge may apply to a decrease in Specified Amount. Please refer to the Surrender Charges section of this prospectus for more information on conditions that would cause a Surrender Charge to be applied. A table of Surrender Charges is included in each Policy.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any Reduction in Specified Amount will be made against the Initial Specified Amount and any later increase in the Specified Amount on a last in, first out basis. Any increase in the Specified Amount will increase the amount of the Surrender Charge applicable to your Policy. Changes in Specified Amount do not affect the Premium Load as a percentage of Premium.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We may decline any request for Reduction in Specified Amount if, after the change, the Specified Amount would be less than the minimum Specified Amount. We may also decline such a request if it would reduce the Specified Amount below the level required to maintain the Policy as life insurance for purposes of federal income tax law according to the death benefit qualification test you elected at the time you applied for the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Also, because the death benefit qualification tests, as discussed below, require certain ratios between Premium and death benefit and between the Policy’s Accumulation Value and death benefit, we may increase the Policy’s death benefit above the Specified Amount in order to satisfy the test you elected. If the increase in the Policy’s death benefit causes an increase in the Net Amount at Risk, charges for the Cost of Insurance Charge will increase as well.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any change is effective on the first Monthly Anniversary Day on, or after, the date of approval of the request by Lincoln Life, provided that any increase in cost is either included in a Premium Payment by you or the Policy’s Accumulation Value is sufficient to cover the increased Monthly Deduction. If the Monthly Deduction amount would increase as a result of the change, the changes will be effective on the first Monthly Anniversary Day on which the Accumulation Value is equal to, or greater than, the Monthly Deduction amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Note: Increases in Specified Amount are not permitted in Virginia. </span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Death Benefit Qualification Test</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You will have the opportunity to choose between the two death benefit qualification tests defined in Section 7702 of the Internal Revenue Code of 1986 as amended (“Code”), the “Cash Value Accumulation Test” and the “Guideline Premium Test”. If you do not choose a death benefit qualification test at that time, you will be deemed to have chosen the Guideline Premium Test. Once your Policy has been issued and is in force, the death benefit qualification test cannot be changed.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Guideline Premium Test calculates the maximum amount of Premium that may be paid to provide the desired amount of insurance for an Insured of a particular age. Because payment of a Premium amount in excess of this amount will disqualify the Policy as life insurance, we will return to you any amount of such excess. The test also applies a prescribed percentage factor, to determine a minimum ratio of death benefit to Accumulation Value. A table of the applicable percentage factors will be included as a part of the Policy Specifications when you receive your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Cash Value Accumulation Test requires that the death benefit be sufficient to prevent the Accumulation Value from ever exceeding the “Net Single Premium” required to fund the future benefits under the Policy. (The “Net Single Premium” is calculated in accordance with Section 7702 of the Code and is based on the Insured’s age, risk classification and gender.) At any time the Accumulation Value is greater than the Net Single Premium for the proposed death benefit, the death benefit will be automatically increased by multiplying the Accumulation Value by a percentage that is defined as $1,000 divided by the Net Single Premium. A table of the applicable percentage factors will be included as a part of the Policy Specifications when you receive your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The tests differ as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Guideline Premium Test expressly limits the amount of Premium that you can pay into your Policy while the Cash Value Accumulation Test does not.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The factors that determine the minimum death benefit relative to the Policy’s Accumulation Value are different and required increases in the minimum death benefit due to growth in Accumulation Value will generally be greater under the Cash Value Accumulation Test.</span><span style="font-family:Arial Narrow;font-size:10pt;">(3)</span><span style="font-family:Arial Narrow;font-size:10pt;">If you wish to pay more Premium than is permitted under the Guideline Premium Test, for example to target a funding objective, you should consider the Cash Value Accumulation Test, because it generally permits the payment of higher amounts of Premium. Please note that payment of higher Premiums could also cause your Policy to be deemed a MEC (see Tax Issues, sub-section Policies That Are MECs in your prospectus).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your primary objective is to maximize the potential for growth in Accumulation Value, or to conserve Accumulation Value, generally the Guideline Premium Test will better serve this objective.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While application of either test may require an increase in death benefit, any increase in the Cost of Insurance Charges that arises as a result of the increase in the Policy’s Net Amount at Risk will generally be less under the Guideline Premium Test than under the Cash Value Accumulation Test. This is because the required adjustment to the death benefit under the Guideline Premium Test is lower than that which would result under the Cash Value Accumulation Test.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should consult with a qualified tax advisor before choosing the death benefits qualification test.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Please ask your registered representative for illustrations which demonstrate the impact of selection of each test on the particular policy, including any riders, which you are considering.</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Payment of Death Benefit Proceeds</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Proof of death should be furnished to us at our Administrative Office as soon as possible after the death of the Insured. This notification must include a certified copy of an official death certificate, a certified copy of a decree of a court of competent jurisdiction as to the finding of death, or any other proof satisfactory to us.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">After receipt at our Administrative Office of proof of death of the Insured and any other necessary claims requirements, the Death Benefit Proceeds will be paid. The proceeds will be paid in a lump sum or in accordance with any settlement option selected by the Owner or the Beneficiary. Payment of the Death Benefit Proceeds may be delayed if your Policy is contested or if Separate Account Values cannot be determined.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Changes to the Initial Specified Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Within certain limits, you may decrease (reduce) or, with satisfactory evidence of insurability, increase the Specified Amount. Any increase in Specified Amount may increase the Net Amount at Risk and the Cost of Insurance Charge. (See the “Cost of Insurance Charge” section of this prospectus.) The minimum Specified Amount is currently $100,000 (other limits may apply when your Policy is not fully underwritten).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Partial Surrender may reduce the Specified Amount. If the Specified Amount is reduced as a result of a Partial Surrender, the death benefit may also be reduced. (See section headed “Policy Surrenders - Partial Surrender” for details as to the impact a Partial Surrender may have on the Specified Amount.)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You must submit all requests for changes in the Specified Amount in writing to our Administrative Office. The minimum increase in Specified Amount currently permitted is $1,000. If you request a change, a supplemental application and evidence of insurability must also be submitted to us.</span><span style="font-family:Arial Narrow;font-size:10pt;">If you increase the Specified Amount, there will be additional Surrender Charges in the event you request a surrender of the Policy. A Surrender Charge may apply to a decrease in Specified Amount. Please refer to the Surrender Charges section of this prospectus for more information on conditions that would cause a Surrender Charge to be applied. A table of Surrender Charges is included in each Policy.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any Reduction in Specified Amount will be made against the Initial Specified Amount and any later increase in the Specified Amount on a last in, first out basis. Any increase in the Specified Amount will increase the amount of the Surrender Charge applicable to your Policy. Changes in Specified Amount do not affect the Premium Load as a percentage of Premium.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We may decline any request for Reduction in Specified Amount if, after the change, the Specified Amount would be less than the minimum Specified Amount. We may also decline such a request if it would reduce the Specified Amount below the level required to maintain the Policy as life insurance for purposes of federal income tax law according to the death benefit qualification test you elected at the time you applied for the Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Also, because the death benefit qualification tests, as discussed below, require certain ratios between Premium and death benefit and between the Policy’s Accumulation Value and death benefit, we may increase the Policy’s death benefit above the Specified Amount in order to satisfy the test you elected. If the increase in the Policy’s death benefit causes an increase in the Net Amount at Risk, charges for the Cost of Insurance Charge will increase as well.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any change is effective on the first Monthly Anniversary Day on, or after, the date of approval of the request by Lincoln Life, provided that any increase in cost is either included in a Premium Payment by you or the Policy’s Accumulation Value is sufficient to cover the increased Monthly Deduction. If the Monthly Deduction amount would increase as a result of the change, the changes will be effective on the first Monthly Anniversary Day on which the Accumulation Value is equal to, or greater than, the Monthly Deduction amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Note: Increases in Specified Amount are not permitted in Virginia. </span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;">Death Benefit Qualification Test</span><span style="color:#000000;font-family:Arial Narrow;font-size:12pt;font-weight:bold;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You will have the opportunity to choose between the two death benefit qualification tests defined in Section 7702 of the Internal Revenue Code of 1986 as amended (“Code”), the “Cash Value Accumulation Test” and the “Guideline Premium Test”. If you do not choose a death benefit qualification test at that time, you will be deemed to have chosen the Guideline Premium Test. Once your Policy has been issued and is in force, the death benefit qualification test cannot be changed.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Guideline Premium Test calculates the maximum amount of Premium that may be paid to provide the desired amount of insurance for an Insured of a particular age. Because payment of a Premium amount in excess of this amount will disqualify the Policy as life insurance, we will return to you any amount of such excess. The test also applies a prescribed percentage factor, to determine a minimum ratio of death benefit to Accumulation Value. A table of the applicable percentage factors will be included as a part of the Policy Specifications when you receive your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Cash Value Accumulation Test requires that the death benefit be sufficient to prevent the Accumulation Value from ever exceeding the “Net Single Premium” required to fund the future benefits under the Policy. (The “Net Single Premium” is calculated in accordance with Section 7702 of the Code and is based on the Insured’s age, risk classification and gender.) At any time the Accumulation Value is greater than the Net Single Premium for the proposed death benefit, the death benefit will be automatically increased by multiplying the Accumulation Value by a percentage that is defined as $1,000 divided by the Net Single Premium. A table of the applicable percentage factors will be included as a part of the Policy Specifications when you receive your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The tests differ as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Guideline Premium Test expressly limits the amount of Premium that you can pay into your Policy while the Cash Value Accumulation Test does not.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The factors that determine the minimum death benefit relative to the Policy’s Accumulation Value are different and required increases in the minimum death benefit due to growth in Accumulation Value will generally be greater under the Cash Value Accumulation Test.</span><span style="font-family:Arial Narrow;font-size:10pt;">(3)</span><span style="font-family:Arial Narrow;font-size:10pt;">If you wish to pay more Premium than is permitted under the Guideline Premium Test, for example to target a funding objective, you should consider the Cash Value Accumulation Test, because it generally permits the payment of higher amounts of Premium. Please note that payment of higher Premiums could also cause your Policy to be deemed a MEC (see Tax Issues, sub-section Policies That Are MECs in your prospectus).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your primary objective is to maximize the potential for growth in Accumulation Value, or to conserve Accumulation Value, generally the Guideline Premium Test will better serve this objective.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While application of either test may require an increase in death benefit, any increase in the Cost of Insurance Charges that arises as a result of the increase in the Policy’s Net Amount at Risk will generally be less under the Guideline Premium Test than under the Cash Value Accumulation Test. This is because the required adjustment to the death benefit under the Guideline Premium Test is lower than that which would result under the Cash Value Accumulation Test.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You should consult with a qualified tax advisor before choosing the death benefits qualification test.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Please ask your registered representative for illustrations which demonstrate the impact of selection of each test on the particular policy, including any riders, which you are considering.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;font-weight:bold;text-transform:uppercase;">APPENDIX A: FUNDS AVAILABLE UNDER THE POLICY</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;font-weight:bold;line-height:18pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">The following is a list of Underlying Funds currently available under the Policy. Depending on the optional benefits you choose, you may not be able to invest in certain funds. Please see Appendix B: Current Investment Restrictions for Optional Benefits - No-Lapse Enhancement Rider. More information about the Underlying Funds is available in the prospectuses for the funds, which may be amended from time to time and can be found online at www.lfg.com/VULprospectus. You can also request this information at no cost by calling 1-800-487-1485 or by sending an email request to CustServSupportTeam@lfg.com.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the 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 fund’s past performance is not necessarily an indication of future performance.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">AB VPS Discovery Value </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.18%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.55%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">AB VPS Sustainable Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Thematic Portfolio - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.92%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.01%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.60%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Class 2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.66%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">22.60%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.58%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Small Capitalization Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.91%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.17%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.78%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">38.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.36%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Growth-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Fund - Class 2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.53%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">26.14%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.36%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.91%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Fund - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.84%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.83%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.41%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Mid </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Portfolio - Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Legg Mason </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Partners Fund Advisor, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.83%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.92%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.10%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation VIP Portfolio - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investment Management </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.83%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.19%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.09%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.96%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Service Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">33.34%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.50%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To achieve capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Service Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">36.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">19.52%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.68%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Service Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.67%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.00%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.34%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.02%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize income while </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">maintaining prospects for capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Franklin Income VIP Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.46%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.87%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.25%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.28%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation; income is a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Franklin Mutual Shares VIP </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.70%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Equity Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Series I Shares</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.90%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.15%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.42%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.33%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Over a specified annual period (an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Outcome Period”), to provide </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns that track those of the S&amp;P </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">500 Price Return Index (“Index”) up </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to a cap, while providing a buffer </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">against losses. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Conservative Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Service Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">on or about May 13, 2024. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Please consult your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">registered representative.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.05%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.00%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Over a specified annual period (an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Outcome Period”), to provide </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns that track those of the S&amp;P </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">500 Price Return Index (“Index”) up </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to a cap, while providing a buffer </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">against losses. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Service Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">on or about May 13, 2024. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Please consult your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">registered representative.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.05%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP AllianceBernstein </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Large Cap Growth Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP T. Rowe </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Price Growth Stock Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">46.32%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.32%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.67%</span></div></div></div></td></tr> <tr style="height:99.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income by investing </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">approximately 60% of its assets in </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">equity securities and the remainder </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in bonds and other fixed-income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">securities.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balanced Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly American </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Century VP Balanced Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.77%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.41%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.50%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.55%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Baron Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Opportunities Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Service Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.15%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">9.35%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total investment return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.73%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth ETF Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.42%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize real return, consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with preservation of real capital and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">prudent investment management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Inflation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Bond Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.19%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return through a combination </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of current income and long-term </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Real Estate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.82%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.06%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">3.85%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock U.S. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth ETF Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:87.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Core Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.01%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.99%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Core Equity 1 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">22.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.99%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.07%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Core Equity 2 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">21.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor Emerging </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Equity Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.04%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.12%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.60%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor International </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.41%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.92%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.40%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor Large Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.36%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.06%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor SMID Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.42%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.16%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some consideration given to growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Conservative </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.77%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.72%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.23%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.52%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.76%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.33%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.97%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">3.72%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with an emphasis on growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Moderate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.75%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.84%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">3.56%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income while (i)maintaining </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a stable value of your shares </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(providing stability of net asset </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">value) and (ii) preserving the value </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of your initial investment </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(preservation of capital).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Government Money </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Market Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.61%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.99%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income; </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation is the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan High Yield </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.95%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">3.98%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum current income (yield) </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with a prudent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment strategy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Bond Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bond Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.93%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.99%</span></div></div></div></td></tr> <tr style="height:111.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Diversified </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Floating Rate Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Diversified Floating Rate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.57%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.38%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.68%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum long-term total return </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Diversified </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Diversified Income Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.54%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.09%</span></div></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum total return, consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Limited-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term Diversified Income </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Limited-Term Diversified </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Income Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.53%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.00%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.88%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.63%</span></div></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Mid Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Mid Cap Value Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.43%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.88%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.62%</span></div></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie SMID Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Core Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">SMID Cap Core Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.25%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.36%</span></div></div></div></td></tr> <tr style="height:99.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Social </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Awareness Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Social Awareness Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.45%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">30.17%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.86%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.32%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie U.S. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">U.S. Growth Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">48.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.54%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum long-term total return, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with capital appreciation as a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie U.S. REIT </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">U.S. REIT Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.83%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.58%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.23%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Value Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Value Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.84%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP MFS International </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.71%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.83%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.58%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP MFS Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.57%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income consistent with the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Mondrian Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.65%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.02%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.92%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.26%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">measured by the change in the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">value of fund shares over a period </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of three years or longer.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Mondrian </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.75%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">20.11%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.03%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.45%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To match as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance of the Bloomberg U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Aggregate Index.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Bond Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.30%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.49%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some consideration given to growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Conservative </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.28%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.09%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the performance of a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">broad market index of non-U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">foreign securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA International </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.96%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.02%</span></div></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Seek to approximate as closely as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the performance of a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">broad market index that emphasizes </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">stocks of mid-sized U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Mid-Cap Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">on or about May 13, 2024. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Please consult your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">registered representative.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.35%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.05%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.22%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Moderate Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.33%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Moderately </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Aggressive Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.82%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.04%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.72%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the total rate of return of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">common stocks publicly traded in </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the United States, as represented by </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the S&amp;P 500 Index.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA S&amp;P 500 Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">26.01%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.41%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.77%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the performance of the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index, which </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasizes stocks of small U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Small-Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.38%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.52%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.74%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some consideration given to growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Conservative Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.60%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.06%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.97%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with an emphasis on growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Moderate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.12%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.22%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Moderately Aggressive </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.54%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP T. Rowe Price </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Structured Mid-Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">21.17%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.81%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High level of current income and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital, with an emphasis </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP U.S. Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.02%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.15%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return consistent with the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.00%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.59%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.27%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Domestic </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity ETF Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.32%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">25.22%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.84%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.09%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Equity ETF </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.34%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.36%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.00%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Wellington Capital </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">38.70%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.91%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Wellington SMID Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.71%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Emerging </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Series - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly Delaware VIP</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Emerging Markets Series)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.18%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.79%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.20%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.67%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Small Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Series - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly Delaware VIP</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Small Cap Value Series)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.21%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.06%</span></div></div></div></td></tr> <tr style="height:63.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Growth Series - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Services </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.73%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.86%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.89%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.97%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Total Return </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Series - Initial Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Services </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.61%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.44%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">8.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">6.53%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Utilities Series - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Services </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-2.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">8.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">6.39%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum real return, consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with prudent investment </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">PIMCO VIT </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">CommodityRealReturn</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Strategy Portfolio - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Administrative Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investment Management </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.48%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-7.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">8.55%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;">-0.80%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High current income consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with preservation of capital; capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation is a secondary </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Templeton Global Bond VIP </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.19%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;">-1.89%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;">-0.41%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income and capital appreciation. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Balanced ETF </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio – Class 2 Shares</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.55%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">6.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">4.51%</span></div></div></div></td></tr> <tr style="height:63.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Moderate Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">ETF Portfolio – Class 2 </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.54%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.47%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">7.96%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">5.58%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The name of the adviser or sub-adviser is not listed if the name is incorporated into the name of the Underlying Fund or the fund company.</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This fund is subject to an expense reimbursement or a fee waiver arrangement. As a result, this fund’s annual expenses reflect temporary expense reductions. See the fund prospectus for additional information.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;">Investments in Macquarie VIP Series, Delaware Funds, Ivy Funds, LVIP Macquarie Funds or Lincoln Life accounts managed by Macquarie Investment Management Advisers, a series of Macquarie Investments Management Business Trust, are not and will not be deposits with or liabilities of Macquarie Bank Limited ABN 46008 583 542 and its holding companies, including their subsidiaries or related companies, and are subject to investment risk, including possible delays in prepayment and loss of income and capital invested. No Macquarie Group company guarantees or will guarantee the performance of the series or funds or accounts, the repayment of capital from the series or funds or account, or any particular rate of return.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial Narrow;font-size:10pt;">The Index to which this fund is managed to is a product of S&amp;P Dow Jones Indices LLC (SPDJI) and has been licensed for use by one or more of the portfolio’s service providers (licensee). Standard &amp; Poor’s</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;">, S&amp;P</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;">, S&amp;P GSCI</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and S&amp;P 500</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">are registered trademarks of S&amp;P Global, Inc. or its affiliates (S&amp;P)</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and Dow </span><span style="font-family:Arial Narrow;font-size:10pt;">Jones</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones).</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">The trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the licensee. The licensee’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&amp;P, their respective affiliates, or their third party licensors, and none of these parties or their respective affiliates or third party licensors make any representation regarding the advisability of investing in such products, nor do they have liability for any errors, omissions, or interruptions of the Index.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="font-family:Arial Narrow;font-size:10pt;">The following is a list of Underlying Funds currently available under the Policy. Depending on the optional benefits you choose, you may not be able to invest in certain funds. Please see Appendix B: Current Investment Restrictions for Optional Benefits - No-Lapse Enhancement Rider. More information about the Underlying Funds is available in the prospectuses for the funds, which may be amended from time to time and can be found online at www.lfg.com/VULprospectus. You can also request this information at no cost by calling 1-800-487-1485 or by sending an email request to CustServSupportTeam@lfg.com.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the 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 fund’s past performance is not necessarily an indication of future performance.</span><span style="font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">AB VPS Discovery Value </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.18%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.55%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">AB VPS Sustainable Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Thematic Portfolio - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.92%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.01%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.60%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Class 2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.66%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">22.60%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.58%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Small Capitalization Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.91%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.17%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.78%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">38.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.36%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Growth-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Fund - Class 2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.53%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">26.14%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.36%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.91%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Fund - Class </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.84%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.83%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.41%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Mid </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Portfolio - Class I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Legg Mason </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Partners Fund Advisor, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.83%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.92%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.10%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation VIP Portfolio - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class A</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investment Management </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.83%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.19%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.09%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.96%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Service Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">33.34%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.50%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To achieve capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Service Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">36.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">19.52%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.68%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Service Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.67%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.00%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.34%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.02%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize income while </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">maintaining prospects for capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Franklin Income VIP Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.46%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.87%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.25%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.28%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation; income is a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary consideration.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Franklin Mutual Shares VIP </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.70%</span></div></div></div></td></tr> <tr style="height:41pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Equity Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Series I Shares</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.90%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.15%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.42%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.33%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Over a specified annual period (an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Outcome Period”), to provide </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns that track those of the S&amp;P </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">500 Price Return Index (“Index”) up </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to a cap, while providing a buffer </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">against losses. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Conservative Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Service Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">on or about May 13, 2024. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Please consult your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">registered representative.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.05%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.00%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Over a specified annual period (an </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Outcome Period”), to provide </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns that track those of the S&amp;P </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">500 Price Return Index (“Index”) up </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to a cap, while providing a buffer </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">against losses. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Service Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">on or about May 13, 2024. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Please consult your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">registered representative.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.05%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP AllianceBernstein </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Large Cap Growth Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP T. Rowe </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Price Growth Stock Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">46.32%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.32%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.67%</span></div></div></div></td></tr> <tr style="height:99.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income by investing </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">approximately 60% of its assets in </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">equity securities and the remainder </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in bonds and other fixed-income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">securities.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balanced Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class II</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly American </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Century VP Balanced Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.77%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.41%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.50%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.55%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Baron Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Opportunities Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Service Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.15%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.66%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">9.35%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total investment return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.73%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.62%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth ETF Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.42%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize real return, consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with preservation of real capital and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">prudent investment management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Inflation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Bond Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.16%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.19%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return through a combination </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of current income and long-term </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Real Estate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.82%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.06%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">3.85%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between current income </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and growth of capital, with a greater </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock U.S. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth ETF Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:87.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Core Equity </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.01%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.99%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.05pt;">N/A</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Core Equity 1 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.40%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">22.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.99%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.07%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Core Equity 2 Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">21.65%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor Emerging </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Equity Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.04%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.12%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.60%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor International </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.41%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.92%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.40%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor Large Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.36%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.81%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.06%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor SMID Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.42%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.16%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some consideration given to growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Conservative </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.77%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.72%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.23%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.52%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.76%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.33%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.97%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">3.72%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with an emphasis on growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Moderate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.75%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.84%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">3.56%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income while (i)maintaining </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a stable value of your shares </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(providing stability of net asset </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">value) and (ii) preserving the value </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of your initial investment </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(preservation of capital).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Government Money </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Market Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.75%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.61%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.99%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income; </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation is the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan High Yield </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.76%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.95%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">3.98%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum current income (yield) </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with a prudent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment strategy.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Bond Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bond Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.93%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.99%</span></div></div></div></td></tr> <tr style="height:111.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Diversified </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Floating Rate Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Diversified Floating Rate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.63%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.57%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">2.38%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.68%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum long-term total return </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Diversified </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Diversified Income Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"> </div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.54%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.09%</span></div></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum total return, consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with reasonable risk.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Limited-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term Diversified Income </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Limited-Term Diversified </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Income Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.53%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.00%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.88%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.63%</span></div></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Mid Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Mid Cap Value Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.43%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.88%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.62%</span></div></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie SMID Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Core Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">SMID Cap Core Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.25%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.36%</span></div></div></div></td></tr> <tr style="height:99.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Social </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Awareness Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Social Awareness Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.45%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">30.17%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.86%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.32%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:101pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie U.S. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">U.S. Growth Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">48.35%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">18.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.54%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum long-term total return, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with capital appreciation as a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie U.S. REIT </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">U.S. REIT Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.83%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.58%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.23%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Value Fund </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly LVIP Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Value Fund)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.68%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.49%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.84%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP MFS International </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.80%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.71%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.83%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.58%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP MFS Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.62%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.07%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.57%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income consistent with the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Mondrian Global </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.65%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.02%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-0.92%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.26%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">measured by the change in the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">value of fund shares over a period </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of three years or longer.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Mondrian </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Value Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.75%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">20.11%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.03%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.45%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To match as closely as practicable, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance of the Bloomberg U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Aggregate Index.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Bond Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.30%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.49%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some consideration given to growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Conservative </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Allocation Fund - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.73%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.28%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.09%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the performance of a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">broad market index of non-U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">foreign securities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA International </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.39%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.96%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.02%</span></div></div></div></td></tr> <tr style="height:113pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Seek to approximate as closely as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the performance of a </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">broad market index that emphasizes </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">stocks of mid-sized U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Mid-Cap Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">This fund will be available </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">on or about May 13, 2024. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Please consult your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">registered representative.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.35%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.05%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.22%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Moderate Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.38%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.33%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Moderately </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Aggressive Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.51%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.82%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">8.04%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.72%</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the total rate of return of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">common stocks publicly traded in </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the United States, as represented by </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the S&amp;P 500 Index.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA S&amp;P 500 Index </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.23%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">26.01%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.41%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.77%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the performance of the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index, which </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasizes stocks of small U.S. </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Small-Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.38%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.52%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.74%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some consideration given to growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Conservative Allocation </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.60%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.06%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.97%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with an emphasis on growth </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Moderate </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.57%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.09%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.12%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.22%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Moderately Aggressive </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.27%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.69%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">5.54%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP T. Rowe Price </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Structured Mid-Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.72%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">21.17%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.50%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.81%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High level of current income and </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital, with an emphasis </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on growth of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP U.S. Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.02%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.15%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:8.05pt;">N/A</span></div></div></div></td></tr> <tr style="height:75.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return consistent with the </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Bond </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.37%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">6.00%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.59%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.27%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Domestic </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity ETF Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.32%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">25.22%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">14.84%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.09%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Equity ETF </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.34%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.36%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.00%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Wellington Capital </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.70%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">38.70%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">16.98%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.91%</span></div></div></div></td></tr> <tr style="height:77pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Wellington SMID Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Fund - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">17.24%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.71%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Emerging </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Series - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly Delaware VIP</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Emerging Markets Series)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.18%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.79%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">4.20%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">2.67%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Small Cap </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Series - Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">(formerly Delaware VIP</span><span style="font-family:Arial Narrow;font-size:6.5pt;font-style:italic;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Small Cap Value Series)</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.78%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">9.45%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.21%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">7.06%</span></div></div></div></td></tr> <tr style="height:63.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Growth Series - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Services </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.73%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">35.86%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">15.89%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">12.97%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:21.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Fund and</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Adviser/Sub-adviser</span><span style="font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Current Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:119.99pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Returns (as of 12/31/2023)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:153.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65.65pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.83pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:40.33pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Total Return </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Series - Initial Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Services </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.61%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.44%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">8.54%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">6.53%</span></div></div></div></td></tr> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Utilities Series - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Services </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.79%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-2.11%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">8.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">6.39%</span></div></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum real return, consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with prudent investment </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">PIMCO VIT </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">CommodityRealReturn</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Strategy Portfolio - </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Administrative Class</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investment Management </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.48%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.67pt;">-7.85%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">8.55%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;">-0.80%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High current income consistent </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with preservation of capital; capital </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation is a secondary </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">objective.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Templeton Global Bond VIP </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.50%</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">3.19%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;">-1.89%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;">-0.41%</span></div></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income and capital appreciation. A </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Balanced ETF </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio – Class 2 Shares</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.55%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">11.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">6.39%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">4.51%</span></div></div></div></td></tr> <tr style="height:63.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:153.36pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation. A fund of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Moderate Growth </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">ETF Portfolio – Class 2 </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">advised by </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:65.65pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:56.65pt;"> <div style="display:flex;margin:auto;width:31.58pt;"> <div style="display:flex;white-space:nowrap;width:31.58pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.54%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.47%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">7.96%</span></div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:40.33pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:2.25pt;text-align:right;width:30.83pt;"> <div style="display:flex;margin:auto;width:31.16pt;"> <div style="display:flex;white-space:nowrap;width:31.16pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.33pt;">5.58%</span></div></div></div></td></tr></table> <span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Investment Objective</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">AB VPS Discovery Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0081 0.1718 0.1078 0.0755 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">AB VPS Sustainable Global </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Thematic Portfolio - Class </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0092 0.1601 0.1356 0.0960 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Global </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Class 2</span> 0.0066 0.2260 0.1365 0.0958 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Global </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Small Capitalization Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 2</span> 0.0091 0.1617 0.0831 0.0578 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 2</span> 0.0059 0.3849 0.1868 0.1436 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds Growth-</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Fund - Class 2</span> 0.0053 0.2614 0.1336 0.1091 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">American Funds </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Fund - Class </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</span> 0.0078 0.1584 0.0483 0.0341 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Mid </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Portfolio - Class I</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Legg Mason </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Partners Fund Advisor, LLC</span> 0.0083 0.1292 0.1073 0.0710 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">DWS Alternative Asset </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation VIP Portfolio - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class A</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">DWS </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investment Management </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Americas, Inc.</span> 0.0083 0.0619 0.0609 0.0296 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Service Class</span> 0.0066 0.3334 0.1654 0.1150 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To achieve capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Service Class</span> 0.0068 0.3609 0.1952 0.1468 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIP Mid Cap </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - Service Class</span> 0.0067 0.1500 0.1234 0.0802 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize income while </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">maintaining prospects for capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Franklin Income VIP Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 1</span> 0.0046 0.0887 0.0725 0.0528 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital appreciation; income is a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary consideration.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Franklin Mutual Shares VIP </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 1</span> 0.0068 0.1373 0.0810 0.0570 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term growth of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Invesco V.I. EQV </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Equity Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Series I Shares</span> 0.0090 0.1815 0.0842 0.0433 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Over a specified annual period (an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Outcome Period”), to provide </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns that track those of the S&amp;P </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">500 Price Return Index (“Index”) up </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to a cap, while providing a buffer </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">against losses. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Conservative Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Service Class</span> 0.0105 0.1300 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Over a specified annual period (an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">“Outcome Period”), to provide </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">returns that track those of the S&amp;P </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">500 Price Return Index (“Index”) up </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to a cap, while providing a buffer </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">against losses. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lincoln Hedged S&amp;P 500 </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Service Class</span> 0.0105 0.1663 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP AllianceBernstein </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Large Cap Growth Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0063 0.4632 0.1332 0.1167 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital growth and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income by investing </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">approximately 60% of its assets in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">equity securities and the remainder </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in bonds and other fixed-income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">securities.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP American Century </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balanced Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0077 0.1641 0.0850 0.0655 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Baron Growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Opportunities Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0115 0.1781 0.1366 0.0935 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High total investment return.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Global </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0073 0.1362 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between current income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and growth of capital, with a greater </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Global </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth ETF Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0042 0.1168 0.0481 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize real return, consistent </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with preservation of real capital and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">prudent investment management.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Inflation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Protected Bond Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0063 0.0507 0.0316 0.0219 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return through a combination </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of current income and long-term </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock Real Estate </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0082 0.1306 0.0476 0.0385 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between current income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and growth of capital, with a greater </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasis on growth of capital. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP BlackRock U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth ETF Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Managed Risk Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0039 0.1235 0.0573 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Core Equity </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0062 0.1601 0.0799 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Core Equity 1 Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0040 0.2278 0.1499 0.1107 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Dimensional U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Core Equity 2 Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0049 0.2165 0.1473 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor Emerging </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Equity Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0050 0.1004 0.0312 0.0160 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor International </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0041 0.1892 0.0673 0.0440 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor Large Cap </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0036 0.1739 0.1281 0.1006 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Franklin Templeton </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Multi-Factor SMID Cap </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0039 0.1554 0.1142 0.0716 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income with </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some consideration given to growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Conservative </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0077 0.0972 0.0423 0.0352 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0076 0.1333 0.0497 0.0372 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with an emphasis on growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Global Moderate </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0075 0.1184 0.0456 0.0356 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income while (i)maintaining </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a stable value of your shares </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(providing stability of net asset </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">value) and (ii) preserving the value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of your initial investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(preservation of capital).</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Government Money </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Market Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0039 0.0475 0.0161 0.0099 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income; </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital appreciation is the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary objective.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan High Yield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0068 0.1176 0.0495 0.0398 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum current income (yield) </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with a prudent </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment strategy.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Bond Fund </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0037 0.0593 0.0150 0.0199 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Diversified </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Floating Rate Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0063 0.0557 0.0238 0.0168 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum long-term total return </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with reasonable risk.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Diversified </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0054 0.0624 0.0207 0.0209 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum total return, consistent </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with reasonable risk.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Limited-</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term Diversified Income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0053 0.0500 0.0188 0.0163 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Mid Cap </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0043 0.1124 0.1188 0.0862 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie SMID Cap </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Core Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0080 0.1645 0.1225 0.0836 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize long-term capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Social </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Awareness Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0045 0.3017 0.1586 0.1132 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0072 0.4835 0.1838 0.1254 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum long-term total return, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with capital appreciation as a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">secondary objective.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie U.S. REIT </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0083 0.1258 0.0645 0.0623 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Macquarie Value Fund </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">- Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0068 0.0349 0.0810 0.0784 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP MFS International </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0080 0.1471 0.0983 0.0658 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP MFS Value Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0062 0.0807 0.1138 0.0857 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current income consistent with the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Mondrian Global </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0065 0.0402 -0.0092 0.0026 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation as </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">measured by the change in the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">value of fund shares over a period </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of three years or longer.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Mondrian </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Value Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0075 0.2011 0.0603 0.0345 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To match as closely as practicable, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance of the Bloomberg U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Aggregate Index.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Bond Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0037 0.0530 0.0078 0.0149 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some consideration given to growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Conservative </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Allocation Fund - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0051 0.1073 0.0528 0.0409 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the performance of a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">broad market index of non-U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">foreign securities.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA International </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0039 0.1757 0.0796 0.0402 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Seek to approximate as closely as </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the performance of a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">broad market index that emphasizes </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">stocks of mid-sized U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Mid-Cap Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0035 0.1605 0.1222 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Moderate Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0051 0.1357 0.0738 0.0533 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Moderately </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Aggressive Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0051 0.1482 0.0804 0.0572 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the total rate of return of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">common stocks publicly traded in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the United States, as represented by </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the S&amp;P 500 Index.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA S&amp;P 500 Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0023 0.2601 0.1541 0.1177 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To approximate as closely as </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">practicable, before fees and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">expenses, the performance of the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index, which </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">emphasizes stocks of small U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">companies.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Small-Cap </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0038 0.1650 0.0952 0.0674 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A high level of current income, with </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">some consideration given to growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Conservative Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0060 0.1027 0.0506 0.0397 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between a high level of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with an emphasis on growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured Moderate </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0057 0.1309 0.0712 0.0522 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A balance between high level of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current income and growth of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital, with a greater emphasis on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Structured </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Moderately Aggressive </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0059 0.1427 0.0769 0.0554 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To maximize capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP T. Rowe Price </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Structured Mid-Cap </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0072 0.2117 0.1350 0.1081 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High level of current income and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">growth of capital, with an emphasis </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on growth of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP U.S. Growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Managed Risk </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0079 0.1502 0.0615 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return consistent with the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preservation of capital. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Bond </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0037 0.0600 0.0059 0.0127 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard Domestic </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Equity ETF Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0032 0.2522 0.1484 0.1109 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Vanguard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">International Equity ETF </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Standard Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0034 0.1536 0.0711 0.0400 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital growth.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Wellington Capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Growth Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0070 0.3870 0.1698 0.1391 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Wellington SMID Cap </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Fund - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lincoln </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Investments </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Corporation</span> 0.0079 0.1724 0.1245 0.0771 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-term capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Emerging </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Series - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0118 0.1379 0.0420 0.0267 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Macquarie VIP Small Cap </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Series - Standard </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Delaware </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Management Company</span> 0.0078 0.0945 0.1021 0.0706 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Growth Series - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Services </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span> 0.0073 0.3586 0.1589 0.1297 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Total Return </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Series - Initial Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Services </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span> 0.0061 0.1044 0.0854 0.0653 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total return.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> VIT Utilities Series - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Massachusetts </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Financial Services </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company</span> 0.0079 -0.0211 0.0831 0.0639 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum real return, consistent </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with prudent investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">management.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">PIMCO VIT </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">CommodityRealReturn</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Strategy Portfolio - </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Administrative Class</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Pacific </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Investment Management </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Company, LLC</span> 0.0148 -0.0785 0.0855 -0.0080 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">High current income consistent </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with preservation of capital; capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation is a secondary </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">objective.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Templeton Global Bond VIP </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fund - Class 1</span> 0.0050 0.0319 -0.0189 -0.0041 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income and capital appreciation. A </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Balanced ETF </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio – Class 2 Shares</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, Inc.</span> 0.0055 0.1139 0.0639 0.0451 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Capital Appreciation. A fund of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:1.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Moderate Growth </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">ETF Portfolio – Class 2 </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Valmark </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">Advisers, Inc.</span> 0.0054 0.1347 0.0796 0.0558 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This fund is subject to an expense reimbursement or a fee waiver arrangement. As a result, this fund’s annual expenses reflect temporary expense reductions. See the fund prospectus for additional information.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;font-weight:bold;text-transform:uppercase;">APPENDIX B: CURRENT INVESTMENT RESTRICTIONS FOR OPTIONAL BENEFITS – NO-LAPSE ENHANCEMENT RIDER</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;font-weight:bold;line-height:18pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In order to avoid termination of this Rider, your allocation of Accumulation Value to all available Sub-Accounts must comply with all restrictions noted below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Currently, the following allocation constraints apply to all No-Lapse Enhancement Riders, regardless of the date the application was received:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When the No-Lapse Enhancement Rider is in effect, you may only allocate Accumulation Value and Premium Payments to the Lincoln Variable Insurance Products Government Money Market Fund for:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the purposes described in the “Right to Examine Period” section of this prospectus; and</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">as an account from which you may transfer funds for the Dollar Cost Averaging program as described in the “Optional Sub-Account Allocation Programs” section.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Use of the money market Sub-Account other than as described above will result in the Rider terminating.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">For applications received prior to May 15, 2023, we currently do not impose additional investment restrictions. However, we reserve the right to do so in the future. For applications received on or after May 15, 2023, you must comply with the following investment restrictions below. The Sub-Accounts of your Policy are divided into tiers. You can select the percentages of Accumulation Value to allocate to individual Sub-Accounts within the tier and/or to the Fixed Account, but the total allocation percentages must comply with the specified minimum or maximum percentages for that tier.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:102pt;"> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:151.17pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Tier 1</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">If any amount of the Accumulation Value is </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">invested in Tier 3 Sub-Accounts, a </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">minimum of 25% of the Accumulation </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Value must be invested in Tier 1 Sub-</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Accounts or the Fixed Account.</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:153.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Tier 2</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">No restrictions or requirements exist on </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Tier 2 Sub-Accounts.</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:6pt;font-weight:bold;line-height:6pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:151.16pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Tier 3</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Only a maximum of 75% of the </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Accumulation Value can be invested in this </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">tier. If any of the Accumulation Value is </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">invested in this tier, a minimum of 25% of </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">the Accumulation Value must be invested </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">in Tier 1 Sub-Accounts or the Fixed </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Account</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:6pt;font-weight:bold;line-height:6pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:239pt;"> <td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:151.17pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:3.84pt;">LVIP BlackRock Inflation Protected Bond </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.0pt;">Fund</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware Bond Fund</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware Diversified Income Fund</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware Diversified Floating Rate </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.0pt;">Fund</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware Limited-Term Diversified </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.0pt;">Income Fund</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP JPMorgan High Yield Fund</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Mondrian Global Income Fund</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP SSGA Bond Index Fund</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Vanguard Bond Allocation Fund</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">Templeton Global Bond VIP Fund</span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:153.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">Franklin Income VIP Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP American Century Balanced Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP BlackRock Global Allocation Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP BlackRock Global ETF Allocation </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Managed Risk Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP BlackRock US Growth ETF Allocation </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Managed Risk Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Global Conservative Allocation </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Managed Risk Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Global Growth Allocation Managed </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Risk Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Global Moderate Allocation Managed </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Risk Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP SSGA Conservative Index Allocation </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP SSGA Moderate Index Allocation </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP SSGA Moderately Aggressive Index </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Allocation Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Structured Conservative Allocation</span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:151.16pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">AB VPS Discovery Value Portfolio</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">AB VPS Sustainable Global Thematic </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Portfolio</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">American Funds Global Growth Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">American Funds Global Small Capital-</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">ization Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">American Funds Growth Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">American Funds Growth-Income Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">American Funds International Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">ClearBridge Variable Mid Cap Portfolio</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">Delaware VIP Emerging Markets Series</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">Delaware VIP Small Cap Value Series</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">DWS Alternative Asset Allocation VIP </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Portfolio</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">Fidelity VIP Contrafund Portfolio</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">Fidelity VIP Growth Portfolio</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">Fidelity VIP Mid Cap Portfolio</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">Franklin Mutual Shares VIP Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">Invesco V.I. EQV International Equity Fund</span><span style="font-family:Arial Narrow;font-size:8pt;line-height:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;"> <tr style="height:102pt;"> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:151.17pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Tier 1</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">If any amount of the Accumulation Value is </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">invested in Tier 3 Sub-Accounts, a </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">minimum of 25% of the Accumulation </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Value must be invested in Tier 1 Sub-</span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Accounts or the Fixed Account.</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:153.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Tier 2</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">No restrictions or requirements exist on </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Tier 2 Sub-Accounts.</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:6pt;font-weight:bold;line-height:6pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:151.16pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Tier 3</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Only a maximum of 75% of the </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Accumulation Value can be invested in this </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">tier. If any of the Accumulation Value is </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">invested in this tier, a minimum of 25% of </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">the Accumulation Value must be invested </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">in Tier 1 Sub-Accounts or the Fixed </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Account</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:6pt;font-weight:bold;line-height:6pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:501pt;"> <td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:151.17pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:153.67pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Structured Moderate Allocation Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Structured Moderately Aggressive </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Allocation Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP U.S. Growth Allocation Managed </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Risk Fund</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">MFS VIT Total Return Series</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1.0pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> Balanced ETF Portfolio</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">TOPS</span><span style="font-family:Arial Narrow;font-size:5pt;margin-left:1.0pt;position:relative;top:-3.25pt;">®</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;"> Moderate Growth ETF Portfolio</span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:151.16pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP AllianceBernstein Large Cap Growth </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Baron Growth Opportunities Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP BlackRock Real Estate Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware Mid Cap Value</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware SMID Cap Core Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware Social Awareness Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware U.S. Growth Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware U.S. REIT Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Delaware Value Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Dimensional International Core </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Equity Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Dimensional U.S. Core Equity 1 </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Dimensional U.S. Core Equity 2 </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Franklin Templeton Multi-Factor </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Emerging Markets Equity Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Franklin Templeton Multi-Factor </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">International Equity Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Franklin Templeton Multi-Factor </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Large Cap Equity Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Franklin Templeton Multi-Factor </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">SMID Cap Equity Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP MFS International Growth Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP MFS Value Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Mondrian International Value Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP SSGA International Index Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP SSGA S&amp;P 500 Index Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP SSGA Small-Cap Index Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP T. Rowe Price Structured Mid-Cap </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Growth Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Vanguard Domestic Equity ETF Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Vanguard International Equity ETF </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Wellington Capital Growth Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">LVIP Wellington SMID Cap Value Fund</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">MFS VIT Growth Series</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">MFS VIT Utilities Series</span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">•</span><span style="font-family:Arial Narrow;font-size:8pt;margin-left:4.34pt;">PIMCO VIT Commodity Real Return </span></div> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:8pt;margin-left:9.00pt;">Strategy Portfolio</span></div></div></td></tr></table>