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<table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:456pt;table-layout:auto;"> <tr style="height:29.5pt;"> <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: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;">14</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 14 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 $56.59 (</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5.659</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 </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;">assessed a charge of up to $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5,659</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 </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 (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;">1.44%</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;">14</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 14 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 $56.59 (</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5.659</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 </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;">assessed a charge of up to $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5,659</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> 14 0.05659 5659 <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 </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 (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;">1.44%</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 0.0144 <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="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="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="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="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="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="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="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="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: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;">Not a Short-</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;">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="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 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="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">appropriate for an investor who needs ready access to cash.</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;">Surrender Charges apply for up to 14 years from the Policy Date and </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;">14 years from the date of any increase in your Specified Amount.</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;">Any charges may reduce the value of your Policy and death benefit.</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;">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="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;">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:9pt;">Charges 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;">Fees</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> <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 any Fixed Account 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;">option) has its own unique risks. You should review each Underlying </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;">Fund’s 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:139.5pt;"> <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;">While there is no cost to reinstate your Policy we must receive a </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;">payment sufficient to keep your Policy and any reinstated riders in </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;">force for at least two months after the date of reinstatement.</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="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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">principal.</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 Policy is not a short-term investment vehicle and is not </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">appropriate for an investor who needs ready access to cash.</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;">Surrender Charges apply for up to 14 years from the Policy Date and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">14 years from the date of any increase in your 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;">Any charges may reduce the value of your Policy and 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;">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 any Fixed Account investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">option) has its own unique risks. You should review each Underlying </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Fund’s 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;">While there is no cost to reinstate your Policy we must receive a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">payment sufficient to keep your Policy and any reinstated riders in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">force for at least two months after the date of reinstatement.</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 impose Allocation Requirements to reduce the risk of investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">losses that may require us to use our own assets to make guaranteed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">payments under the Value Protection Rider and to make payments that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">would not be required in the absence of this Rider’s provisions. Please </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">see Appendix B: Current Investment Restrictions for Optional Benefits</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;">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="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="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;">Your registered representative may receive compensation for selling </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">the 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;">These registered representatives may have a financial incentive to offer </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">or recommend the Policy over another investment for which the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">registered representative 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="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</span></div> <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;">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</span></div> <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;">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="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="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="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="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="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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payment paid:</span><span style="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: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;">25</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% in all Policy Years</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="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="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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Inclusive of </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;">% charge for state </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;">premium and federal tax obligations</span></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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Surrender </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 (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="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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce the Specified Amount</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</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;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum charge: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">56.59</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:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">of Specified Amount</span></div></div></td></tr> <tr style="height:57pt;"> <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 (female, 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, in year one): $25.06 </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;">per $1,000 of Specified Amount</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Partial Surrender Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When a Partial Surrender is made</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">56.59</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000 withdrawn plus </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">150</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="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="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="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="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="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;">25</span><span style="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;">These charges and costs vary 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;">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 </span><span style="font-family:Arial Narrow;font-size:10pt;">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="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial Narrow;font-size:10pt;">During the life of the Policy, you may request one or more Partial Surrenders. Each must be at least $500 and after such Partial Surrender the Surrender Value of this Policy as of the end of the Valuation Period must be at least $500.</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;">For up to 14 years from the Policy Date and up to 14 years from the effective date of each increase in Specified Amount, a Surrender Charge, shown on your Policy Specifications, will be deducted at the time you effect a Full Surrender of your Policy. For up to 14 years from the Policy Date or up to 14 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;font-weight:bold;">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><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">*</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></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;">83.33333</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;">0.04084</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 (female, 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): $0.12008 per $1,000</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: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;">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 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;">A percentage of the value </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;">of the Separate Account </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;">calculated monthly.</span></div></div></td> <td style="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;">Maximum of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_14b00fe9-d462-4180-a231-af64b7cc155e">1.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% (effective annual </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;">rate)</span></div></div></td></tr> <tr style="height:63pt;"> <td style="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;">Maximum Asset Charge</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;">A percentage of the value </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;">of the Fixed Account and </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;">Loan Account, calculated </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;">monthly.</span></div></div></td> <td style="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;">Maximum of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_9a6ea184-cce6-4bea-862b-bd3ebb236484">1.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% (effective annual </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;">rate)</span></div></div></td></tr> <tr style="height:41pt;"> <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;">Administrative Fee*</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;">For a period of longer than 20 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;">Years or increase in Specified Amount, </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;">a monthly fee 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;">Maximum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1.253</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;">0.351</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:51.5pt;"> <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 (female, 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): $0.351 </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;">per $1,000</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="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: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="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="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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A percentage of the amount held in 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;">Loan Account:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</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;">3.00</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</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;">Optional Benefit 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;">Long-Term Care Benefits </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;">Rider*</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;">Base Charge Rate</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 Base </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;">LTC Limit Value:</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;">2.44965</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;">0.0977</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): $1.12301 per $1,000</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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care Benefits </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;">Rider*</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;">Excess Charge Rate</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 </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;">highest LTC Limit Value minus Base </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;">LTC Limit Value:</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;">1.53822</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;">0.06651</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): $0.81886 per $1,000</span></div></div></td></tr> <tr style="height:41pt;"> <td rowspan="2" 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;">Benefit Transfer Rider Loan</span></div></div></td> <td rowspan="2" 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;">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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A percentage of the Loan balance </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 against the Rider’s Cash </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;">Surrender Value:</span></div></div></td></tr> <tr style="height:15.5pt;"> <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;">4</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:10pt;">*</span><span style="font-family:Arial Narrow;font-size:10pt;">These charges and costs vary based on individual characteristics of the Insured and Right to Purchase Optional Inflation Protection election shown in the Policy Specifications. 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. Please see the “Long-Term Care Benefit Rider” subsection “Right to Purchase Optional Inflation Protection” of this prospectus for more information.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial Narrow;font-size:10pt;">Although deducted annually, interest accrues daily. As described in the section headed “Policy Loans”, 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 1% in all Policy Years. Taking into account the Asset Charge, the net cost of your Policy Loan is 3.50% in all Policy Years.</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:38.89pt;"> <div style="display:flex;white-space:nowrap;width:38.89pt;"><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:40.55pt;"> <div style="display:flex;white-space:nowrap;width:40.55pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.44%*</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="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</span></div> <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;">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</span></div> <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;">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="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="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="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="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="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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payment paid:</span><span style="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: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;">25</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% in all Policy Years</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="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="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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Inclusive of </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;">% charge for state </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;">premium and federal tax obligations</span></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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Surrender </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 (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="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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce the Specified Amount</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</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;">•</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:3.17pt;">Maximum charge: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">56.59</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:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">of Specified Amount</span></div></div></td></tr> <tr style="height:57pt;"> <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 (female, 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, in year one): $25.06 </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;">per $1,000 of Specified Amount</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Partial Surrender Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When a Partial Surrender is made</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:168pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">56.59</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> per $1,000 withdrawn plus </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">150</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="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="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="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="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="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;">25</span><span style="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;">These charges and costs vary 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;">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 </span><span style="font-family:Arial Narrow;font-size:10pt;">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="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial Narrow;font-size:10pt;">During the life of the Policy, you may request one or more Partial Surrenders. Each must be at least $500 and after such Partial Surrender the Surrender Value of this Policy as of the end of the Valuation Period must be at least $500.</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;">For up to 14 years from the Policy Date and up to 14 years from the effective date of each increase in Specified Amount, a Surrender Charge, shown on your Policy Specifications, will be deducted at the time you effect a Full Surrender of your Policy. For up to 14 years from the Policy Date or up to 14 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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Sales Charge </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Imposed on Premiums </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Load)</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you pay a Premium</span> 0.25 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Premium Tax</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you pay a Premium</span> 0.02 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Surrender </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge (Load)*</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When you take a Full Surrender or </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce the Specified Amount</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</span> 0.5659 <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><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">Representative Insured (female, age </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard, in year one): $25.06 </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">per $1,000 of Specified Amount</span><span style="font-family:Arial Narrow;font-size:10pt;">During the life of the Policy, you may request one or more Partial Surrenders. Each must be at least $500 and after such Partial Surrender the Surrender Value of this Policy as of the end of the Valuation Period must be at least $500.</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;">For up to 14 years from the Policy Date and up to 14 years from the effective date of each increase in Specified Amount, a Surrender Charge, shown on your Policy Specifications, will be deducted at the time you effect a Full Surrender of your Policy. For up to 14 years from the Policy Date or up to 14 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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Partial Surrender Fee</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">When a Partial Surrender is made</span> 0.5659 150 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Applied to any transfer request in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">excess of 24 made during any Policy </span><span style="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;">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 </span><span style="font-family:Arial Narrow;font-size:10pt;">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="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;">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;font-weight:bold;">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><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">*</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></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;">83.33333</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;">0.04084</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 (female, 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): $0.12008 per $1,000</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: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;">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 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;">A percentage of the value </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;">of the Separate Account </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;">calculated monthly.</span></div></div></td> <td style="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;">Maximum of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_14b00fe9-d462-4180-a231-af64b7cc155e">1.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% (effective annual </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;">rate)</span></div></div></td></tr> <tr style="height:63pt;"> <td style="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;">Maximum Asset Charge</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;">A percentage of the value </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;">of the Fixed Account and </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;">Loan Account, calculated </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;">monthly.</span></div></div></td> <td style="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;">Maximum of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_9a6ea184-cce6-4bea-862b-bd3ebb236484">1.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% (effective annual </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;">rate)</span></div></div></td></tr> <tr style="height:41pt;"> <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;">Administrative Fee*</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;">For a period of longer than 20 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;">Years or increase in Specified Amount, </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;">a monthly fee 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;">Maximum: $</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1.253</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;">0.351</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:51.5pt;"> <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 (female, 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): $0.351 </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;">per $1,000</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="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: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="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="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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A percentage of the amount held in 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;">Loan Account:</span><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</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;">3.00</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</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;">Optional Benefit 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;">Long-Term Care Benefits </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;">Rider*</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;">Base Charge Rate</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 Base </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;">LTC Limit Value:</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;">2.44965</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;">0.0977</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): $1.12301 per $1,000</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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care Benefits </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;">Rider*</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;">Excess Charge Rate</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 </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;">highest LTC Limit Value minus Base </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;">LTC Limit Value:</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;">1.53822</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;">0.06651</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): $0.81886 per $1,000</span></div></div></td></tr> <tr style="height:41pt;"> <td rowspan="2" 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;">Benefit Transfer Rider Loan</span></div></div></td> <td rowspan="2" 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;">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="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A percentage of the Loan balance </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 against the Rider’s Cash </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;">Surrender Value:</span></div></div></td></tr> <tr style="height:15.5pt;"> <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;">4</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:10pt;">*</span><span style="font-family:Arial Narrow;font-size:10pt;">These charges and costs vary based on individual characteristics of the Insured and Right to Purchase Optional Inflation Protection election shown in the Policy Specifications. 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. Please see the “Long-Term Care Benefit Rider” subsection “Right to Purchase Optional Inflation Protection” of this prospectus for more information.</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">1</span><span style="font-family:Arial Narrow;font-size:10pt;">Although deducted annually, interest accrues daily. As described in the section headed “Policy Loans”, 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 1% in all Policy Years. Taking into account the Asset Charge, the net cost of your Policy Loan is 3.50% in all Policy Years.</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> 0.8333333 0.0004084 <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 (female, 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): $0.12008 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;">A percentage of the value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Separate Account </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">calculated monthly.</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;">Maximum Asset Charge</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A percentage of the value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of the Fixed Account and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Loan Account, calculated </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;">Monthly</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Administrative Fee*</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span> 0.01253 0.00351 <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 (female, age </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">45, standard, non-tobacco): $0.351 </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">per $1,000</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Policy Loan Interest</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annually</span> 0.0300 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care Benefits </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;">Base Charge Rate</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span> 0.0244965 0.000977 <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): $1.12301 per $1,000</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Long-Term Care Benefits </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;">Excess Charge Rate</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Monthly</span> 0.0153822 0.0006651 <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): $0.81886 per $1,000</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Transfer Rider Loan</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Annually</span> 0.04 <span style="font-family:Arial Narrow;font-size:10pt;">Although deducted annually, interest accrues daily. As described in the section headed “Policy Loans”, 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 1% in all Policy Years. Taking into account the Asset Charge, the net cost of your Policy Loan is 3.50% in all Policy Years.</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:38.89pt;"> <div style="display:flex;white-space:nowrap;width:38.89pt;"><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:40.55pt;"> <div style="display:flex;white-space:nowrap;width:40.55pt;"><span style="font-family:Arial Narrow;font-size:10pt;">1.44%*</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 0.0144 <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;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> A Sub-Account is not guaranteed and 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 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, the amount of Premium you need to pay to keep the Policy in force, and may impact the amount of long-term care benefits that may be available under the Long-Term Care Benefits 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;">Policy Values in the Fixed Account.</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 as well. In addition to any amounts we are obligated to pay in excess of policy value under the Policy, we also pay our obligations under these products from our assets in the General Account. 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="color:#000000;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="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 more information, please see “Lincoln Life, The Separate Account and The General Account” or “Transfers”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">sections 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;line-height:12pt;"> </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;font-weight:bold;">.</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;font-weight:bold;">.</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 low 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 Value Protection Rider, briefly noted above and discussed in more detail in the Riders section of this 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. 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 and Long-Term Care Benefit Payment</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;"> Any outstanding Policy Loans and any amount that you have surrendered will reduce your Policy’s death benefit and may reduce the amount you receive as a monthly long-term care benefit (as a portion will be used to repay any outstanding debt under the Policy as described in the Long-Term Care Benefits Rider).</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;">Consequences of Surrender</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">.</span><span style="font-family:Arial Narrow;font-size:10pt;"> Surrender Charges are assessed if you surrender your Policy up to 14 years from the Policy Date and up to 14 years from each increase in Specified Amount. 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="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 Value Protection 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 “Value Protection Rider” section under the “Allocation Requirements” section later in this prospectus and the “Current Investment Restrictions for Optional Benefits – Value Protection Rider” section of Appendix A: Funds Available Under the Policy. 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 Value Protection 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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You will be notified at least 30 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">submit your own reallocation instructions for the Accumulation Value, before the effective 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;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">take no action and be subject to quarterly rebalancing. If this results in a change to your allocation instructions, then these will be your new allocation instructions until you tell us otherwise; 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;">elect to terminate the Rider immediately, without waiting for a termination event.</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;font-style:italic;font-weight:bold;">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;">As noted in greater detail in the section headed “Tax Issues”, the federal income tax treatment of life insurance is complex and 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 and state tax rules to your individual situation. The following discussion highlights tax risks in general, summary terms.</span><span style="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 and Long-Term Care Insurance Contracts</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;"> Your Policy is designed to enjoy 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 and any deductions to cover any Long-Term Care benefit riders may be taxable. In addition, if you pay more Premiums than permitted under the federal tax law your Policy may still be life insurance but 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;font-weight:bold;">.</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 Long-Term Care 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 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 and Long-Term Care 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="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;">Fluctuating Investment Performance</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;"> A Sub-Account is not guaranteed and 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 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, the amount of Premium you need to pay to keep the Policy in force, and may impact the amount of long-term care benefits that may be available under the Long-Term Care Benefits 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;">Policy Values in the Fixed Account.</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 as well. In addition to any amounts we are obligated to pay in excess of policy value under the Policy, we also pay our obligations under these products from our assets in the General Account. 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="color:#000000;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="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 more information, please see “Lincoln Life, The Separate Account and The General Account” or “Transfers”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">sections 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;line-height:12pt;"> </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;font-weight:bold;">.</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;font-weight:bold;">.</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 low 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 Value Protection Rider, briefly noted above and discussed in more detail in the Riders section of this 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. 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 and Long-Term Care Benefit Payment</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;"> Any outstanding Policy Loans and any amount that you have surrendered will reduce your Policy’s death benefit and may reduce the amount you receive as a monthly long-term care benefit (as a portion will be used to repay any outstanding debt under the Policy as described in the Long-Term Care Benefits Rider).</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;">Consequences of Surrender</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">.</span><span style="font-family:Arial Narrow;font-size:10pt;"> Surrender Charges are assessed if you surrender your Policy up to 14 years from the Policy Date and up to 14 years from each increase in Specified Amount. 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="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 Value Protection 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 “Value Protection Rider” section under the “Allocation Requirements” section later in this prospectus and the “Current Investment Restrictions for Optional Benefits – Value Protection Rider” section of Appendix A: Funds Available Under the Policy. 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 Value Protection 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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You will be notified at least 30 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">submit your own reallocation instructions for the Accumulation Value, before the effective 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;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">take no action and be subject to quarterly rebalancing. If this results in a change to your allocation instructions, then these will be your new allocation instructions until you tell us otherwise; 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;">elect to terminate the Rider immediately, without waiting for a termination event.</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;font-style:italic;font-weight:bold;">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;">As noted in greater detail in the section headed “Tax Issues”, the federal income tax treatment of life insurance is complex and 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 and state tax rules to your individual situation. The following discussion highlights tax risks in general, summary terms.</span><span style="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 and Long-Term Care Insurance Contracts</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;"> Your Policy is designed to enjoy 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 and any deductions to cover any Long-Term Care benefit riders may be taxable. In addition, if you pay more Premiums than permitted under the federal tax law your Policy may still be life insurance but 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;font-weight:bold;">.</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 Long-Term Care 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 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 and Long-Term Care 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="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> 0.05659 <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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:115.5pt;"> <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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">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: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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">payments for the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Indemnity Choice </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option, and/or to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reimburse expenses </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">incurred by the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Insured for Covered </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">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="color:#000000;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="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;">Amounts we pay and/or reimburse are subject to a </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">monthly maximum dollar amount each calendar </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">month.</span></div> <div style="margin-left:4.25pt;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;">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="color:#000000;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="color:#000000;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="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;">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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Rider to qualify for reimbursement.</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: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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:183pt;"> <td style="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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Transfer </span></div> <div style="margin-left:6pt;margin-right:4.25pt;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: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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Beneficiary(ies) of an </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Eligible Policy the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">option to use all or a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">portion of the Death </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Proceeds as </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a single premium to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">purchase, without </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">underwriting Rider </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">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: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="color:#000000;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="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;">The Insured under this Policy must be the Beneficiary </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of an Eligible Policy, and must make the election to </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purchase Rider Benefit under this Rider at the time </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">they make their election of settlement option under </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">such Eligible Policy.</span></div> <div style="margin-left:4.25pt;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;">The Insured under this Policy must be no less than </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">attained age 50 and no more than attained age 120 on </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Purchase Date.</span></div> <div style="margin-left:4.25pt;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;">The LTC Benefit Limit under the Long-Term Care </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Benefits Rider attached to the Policy must be greater </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">than zero on the Purchase Date.</span></div> <div style="margin-left:4.25pt;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;">The Insured under this Policy must be living on the </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Purchase Date.</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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Protection </span></div> <div style="margin-left:6pt;margin-right:4.25pt;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: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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides lapse </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">protection if certain </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">conditions are met. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Also provides a level </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of protection against </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">market down turns </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">for accrued long-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">term care benefits.</span></div></div></td> <td style="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="color:#000000;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="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;">Lapse protection is subject to meeting the Premium </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Payment requirements of the No-Lapse Premium </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Test.</span></div> <div style="margin-left:4.25pt;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;">Maintaining Automatic Rebalancing on a quarterly </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">basis complying with the allocation requirements </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">described in the prospectus is required to keep this </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">rider in force.</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="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;">Must be active to maintain the Value Protection Rider </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(see Riders).</span></div> <div style="margin-left:4.25pt;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;">Is only available on a quarterly basis.</span></div></div></td></tr> <tr style="height:159.5pt;"> <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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Averaging</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of market volatility.</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="color:#000000;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="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;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;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;">In effect for 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Policy Year or until funds are all </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">moved.</span></div> <div style="margin-left:4.25pt;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;">Moves money from Fixed Account or Money Market </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Sub-Account to other Sub-Accounts.</span></div> <div style="margin-left:4.25pt;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;">Cannot move money to the same account money is </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">being taken from.</span></div> <div style="margin-left:4.25pt;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;">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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year.</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: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: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.</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-weight:bold;">Long-Term Care Benefits Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Long-Term Care Benefits Rider is automatically issued with the Policy.</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;">Subject to meeting eligibility requirements, this Rider provides benefit payments for the Indemnity Choice Option, and/or to reimburse 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. Benefit payments reduce your Policy’s Specified Amount and 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;">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. The total benefits paid to date under this Rider must not have reduced the LTC Benefit Limit to 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;">b. a Licensed Health Care Practitioner, acceptable to us, has certified within the preceding 12-month period that the Insured is Chronically Ill;</span><span style="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 for California residents:</span><span style="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 Licensed Health Care Practitioner, independent of the insurer, shall certify that the Insured meets the definition of “Chronically Ill Individual”:</span><span style="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) An Insured has the option of submitting a certification to the insurer or submitting a notice of claim and requesting that the insurer conduct the assessment. If the Insured requests that the insurer conduct the assessment, the insurer shall provide an independent Licensed Health Care Practitioner to conduct the assessment. If a health care practitioner makes a determination, pursuant to this section, that an Insured does not meet the definition of “Chronically Ill Individual”, the insurer shall notify the Insured that the Insured shall be entitled to a second assessment by a Licensed Health Care Practitioner, upon request, who shall personally examine the Insured. The requirement for a second assessment shall not apply if the initial assessment was performed by a practitioner who otherwise meets the requirements of this section and who personally examined 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;">2) The assessments shall be performed promptly with the certification completed as quickly as possible to ensure that an Insured’s benefits are not delayed.</span><span style="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) A Licensed Health Care Practitioner shall develop a written Plan of Care after personally examining 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;">4) The costs to have a Licensed Health Care Practitioner certify that an Insured meets, or continues to meet, the definition of “Chronically Ill Individual” or to prepare a written Plan of Care shall not count against the lifetime maximum of the Policy or certificate.</span><span style="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) In order to be considered “independent of the insurer”, a Licensed Health Care Practitioner shall not be an employee of the insurer and shall not be compensated in any manner that is linked to the outcome of the certification.</span><span style="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. 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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">d. All claim forms and written notifications are submitted and in Good Order.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An Insured who is Chronically Ill is unable to perform without substantial/hands-on 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/hands-on supervision to protect the Insured from health and safety caused by to 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 Benefit Conditions of this Rider 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. the requirements of the “Claims” section of this Rider are 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;">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 costs 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 Medicare/Medi-CAL; 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 the Indemnity Choice Option benefit, a requested amount no greater than the Indemnity Choice Option limit (as described in the Benefit Payment Options section), paid monthly and without regard to costs incurred; 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 LTC Benefit Limit.</span><span style="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;">LTC Benefits Available: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Subject to the terms and conditions of this Rider, we will pay an amount not to exceed the Maximum Monthly LTC Benefit (described below in “How Rider Benefits are Determined”) no less frequently than once each calendar month until the LTC Benefit Limit (described below in “How Rider Benefits are Determined”) equals 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;">a. to reimburse costs incurred and actually paid by the Insured for any Covered Service or combination of Covered Services; and/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. to pay the requested Indemnity Choice Option benefit described in the “Benefit Payment Options” 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;">With the exception of Caregiver Training, any amounts paid in a calendar month for the Indemnity Option and/or to reimburse any Covered Service or combination of Covered Services will reduce the following dollar for dollar: that month’s Maximum Monthly LTC Benefit, the LTC Benefit Limit, the Base LTC Limit Value, and the Protected LTC Limit Value, if any. Benefits paid for Caregiver Training do not reduce any of these amounts.</span><span style="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 under this Rider while this Rider is in force will continue to be available for the Covered Services listed in the “Covered Services” section of this Rider as long as the LTC Benefit Limit is greater 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;">In any calendar 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 your election, chosen at the time of initial claim:</span><span style="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 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; 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. the Indemnity Choice Option 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. 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 under the Reimbursement Option or the Indemnity Choice Option, as applicable; 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 LTC Benefit Limit.</span><span style="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 the Policy, as described in the “Reduction of Benefit Payments Due to Debt” 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;">This Rider will pay benefits for Covered Services received in a state or jurisdiction, including other than the state of issue, if benefits would have been paid in the state of issue, irrespective of any differences in facility licensing, certification, registration requirements, provider name or similar 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;font-style:italic;font-weight:bold;">Benefit Payment Options:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Insured has met all Benefit Conditions listed in the “Eligibility” provision of this Rider, Benefit Payment Options will be available for seven days per week.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Upon the initial long-term care claim, the Owner must elect one of two Benefit Payment Options, as described below. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Once the Benefit Payment Option has been chosen, the election is irrevocable and cannot be changed for the life 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;">Each option affects the amount of your benefit payments and claim administration differently. As shown on the Policy Specifications, the Indemnity Choice Option provides a modified Monthly Maximum LTC Benefit Amount compared to the Reimbursement Option.</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;">Reimbursement Option – The Owner elects to receive benefit payments based on receipts for Covered Services that are submitted during the claim occurrence. The total benefit payments in any month cannot be greater than the Maximum Monthly LTC Benefit Amount for the Reimbursement Option.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">Indemnity Choice Option – The Owner elects an Indemnity benefit payment that will be paid each month during the claim occurrence without regard to the number of days of services received or the actual expenses incurred.</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 Indemnity Choice Option Limit is the specific benefit payment amount requested which cannot be greater than the Maximum Monthly LTC Benefit Amount, times the Indemnity Choice Factor 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;">Subject to the terms and conditions of this Rider, we will pay an amount not to exceed the applicable Maximum Monthly LTC Benefit no less frequently than once each calendar month until the LTC Benefit Limit equals 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;">a. to reimburse costs incurred and actually paid by the Insured for any Covered Service or combination of Covered Services; and/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. to pay the requested Indemnity Choice Option 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;">With the exception of Caregiver Training, any amounts paid in a calendar month for the Indemnity Choice Option, and/or to reimburse any Covered Service or combination of Covered Services will reduce the following dollar for dollar: that month’s Maximum Monthly LTC Benefit, the LTC Benefit Limit, the Base LTC Limit Value, and the Protected LTC Limit Value, if any. Benefits paid for Caregiver Training do not reduce any of these amounts. Benefits under this Rider while this Rider is In Force will continue to be available for the Covered Services listed in the “Covered Services” section of this Rider as long as the LTC Benefit Limit is greater 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;">In any calendar 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">an amount equal to your election, chosen at the time of initial claim:</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 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; 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 requested Indemnity Choice Option 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;">the amount you request;</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 Maximum Monthly LTC Benefit amount for the Reimbursement Option or the Indemnity Choice Option as applicable; 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;">the LTC Benefit Limit.</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 the Policy, as described in the “Reduction of Benefit Payments Due to Debt” 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;">This Rider will pay benefits for Covered Services received in a state or jurisdiction, including other than the State of Issue, if benefits would have been paid in the State of Issue, irrespective of any differences in facility licensing, certification, registration requirements, provider name or similar 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;font-style:italic;font-weight:bold;">International Benefits:</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;">If the Insured is confined to a Nursing Home or Assisted Living Facility outside of the United States, the amount payable each calendar month to reimburse costs incurred and actually paid by the Insured for such Nursing Home Care Services or Assisted Living Facility Services and which have not already been reimbursed by us is limited to the Maximum Monthly LTC Benefit. The only Covered Services payable, when received outside of the United States, are benefits for Nursing Home Care Services or Assisted Living Facility Services.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">International Benefits are limited to no more than a total of 36 months of payments by us while this Rider is In Force. Any benefits payable for the Reimbursement Option or the Indemnity Choice Option under this “International Benefits” provision are subject to the following terms and conditions:</span><span style="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;">Benefits are not payable under this provision if such payment is prohibited by the laws, rules, regulations or orders of the United States Government and its officials, or sanctions established by the United States Department of the Treasury’s Office of Foreign Asset Control, its successor organization, or any authorized agency or department of the United States.</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;">You may not receive payments for benefits for Covered Services received within the United States while benefits are being paid for Nursing Home Care Services or Assisted Living Facility Services under this provision.</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;">We must receive proof In Writing satisfactory to us that the Insured is confined in a Nursing Home or Assisted Living Facility outside of the United States and has met all of the Benefit Conditions of this Rider and this provision. Such proof and all supporting documentation must be furnished in English at no expense to us.</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;">Payments will be made in United States currency at the then-current exchange rate as published by Bloomberg L.P. or its successors, or an equivalent service of our choice on the date of payment. We will not cover the cost of currency exchanges or conversions, wire transfers, administrative fees, or other fees, costs, taxes, customs, duties, services or expenses of any kind arising from or relating to the Insured’s receipt of care in any country other than the United States, unless such costs would necessarily have been incurred and covered under this Rider if the Insured had received care within the United States instead of a foreign country.</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;">While benefits are being paid under this provision, we reserve the right to verify, as often as we deem necessary, that all of the Benefit Conditions and other criteria for eligibility for benefits under this Rider and this provision have been satisfied.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Right to Purchase Optional Inflation Protection: </span><span style="font-family:Arial Narrow;font-size:10pt;">If this Rider is issued with the right to purchase Optional Inflation Protection, you can purchase a 5% compound Optional Inflation Protection increase on each Policy Anniversary, with no evidence of insurability. The Right to Purchase Optional Inflation Protection election in effect on the Policy Date is shown in the 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;">Every annual Optional Inflation Protection increase purchased by you will be factored into the calculation of the following values: Base Maximum Monthly LTC Value, Base LTC Limit Value, Market Maximum Monthly LTC Value, Market LTC Limit Value, Protected Maximum Monthly LTC Value, if any, and Protected LTC Limit Value, if any.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Starting with the first Policy Anniversary, and for as long as you continue to purchase each year’s Optional Inflation Protection increase, we will send you written notification regarding that year’s right to purchase. You must return your request to purchase that year’s Optional Inflation Protection increase within the timeframe stated in the notification.</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;">If you decline to purchase any annual Optional Inflation Protection increase, you will not have the right to purchase an Optional Inflation Protection increase on any future Policy Anniversary. The right to purchase Optional Inflation Protection under this Rider cannot be reinstated once terminated.</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 right to purchase annual Optional Inflation Protection increases will continue without regard to the Insured’s Attained Age, claim status, claim history, or length of time the Insured has been covered under this Rider, as long as the following conditions are 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. you continue to purchase each year’s Optional Inflation Protection increase;</span><span style="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 LTC Benefit Limit is greater 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;">c. 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;">If this Rider was issued with the right to purchase annual Optional Inflation Protection increases, you cannot request an increase in the Policy’s 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;">On the Policy Anniversary on which you do not purchase that year’s Optional Inflation Protection increase, the following will 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;">a. your right to purchase any future annual Optional Inflation Protection increase 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;">b. the Monthly LTC Charge Rate used to calculate the Monthly Rider Charge will be reduced accordingly; 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;">c. your right to make Specified Amount increases for the base policy will 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;">Even if your right to purchase Optional Inflation Protection increases under this Rider is terminated, any previously purchased Optional Inflation Protection increases will continue to be included in the calculation of 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;">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;">How Rider Benefits are Determined: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The LTC Benefit Limit and Maximum Monthly LTC Benefit under this Rider are equal to the greatest of the separately calculated reference values (Base, Market, and, while the Value Protection Rider is in force, Protected), 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;">Unless you have requested a decreased in the Policy’s Specified Amount or a Partial Surrender (i.e. withdrawal) under the Policy, the LTC Benefit Limit will never be less than the initial LTC Benefit Limit shown in the Policy Specifications minus the sum of any benefits paid under this Rider, and the Maximum Monthly LTC Benefit will never be less than the initial Maximum Monthly LTC Benefit 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 LTC Benefit Limit is the benefit amount available under this Rider on any date after the Policy Date. The LTC Benefit Limit is equal to the greatest 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. the Base LTC Limit Value 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;">b. the Market LTC Limit Value as described below; 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;">c. while the Value Protection Rider is in force, the Protected LTC Limit Value, if any, in effect, as described in the Value Protection 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;">On the date you are determined to be eligible to make a claim, the LTC Benefit Limit will be fixed at the amount in effect on that date. For the duration of the claim, the LTC Benefit Limit will decrease, and may increase, 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;">The Maximum Monthly LTC Benefit is the maximum benefit amount available each calendar month on any date after the Policy Date. The Maximum Monthly LTC Benefit is equal to the greatest 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. the Base Maximum Monthly LTC Value 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;">b. the Market Maximum Monthly LTC Value as described below; 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;">c. while the Value Protection Rider is in force, the Protected Maximum Monthly LTC Value, if any, in effect, as described in the Value Protection 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;">At the time of the initial claim, you elect one of the two Benefit Payment Options which are the Reimbursement Option or the Indemnity Choice Option as described in the Long-Term Care Benefits provision. On the date you are determined to be eligible to make a claim, the Maximum Monthly LTC Benefit will be fixed at the amount in effect on that date. For the duration of the claim, the Maximum Monthly LTC Benefit may increase and/or decrease as described in the “Impact of Claims on Benefit Payments” 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;">Base LTC Limit Value: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the Policy Date, it is equal to the initial LTC Benefit Limit shown in the Policy Specifications and may increase or decrease after the Policy 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;font-style:italic;">Base Maximum Monthly LTC Value: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the Policy Date, it is equal to the initial Maximum Monthly LTC Benefit shown in the Policy Specifications and may increase or decrease after the Policy 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;font-style:italic;">Market LTC Limit Value: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On any date is equal to (a) multiplied by (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 Policy’s Accumulation Value on that date; 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 Market Benefit Multiplier 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 Market LTC Limit Value may increase or decrease daily and is adjusted as described in the “Right to Purchase Optional Inflation Protection” section.</span><span style="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;">Market Maximum Monthly LTC Value: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On any date is equal to the sum of (a) plus [the greater of (b) or (c), minus (c)], divided by (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 Base Maximum Monthly LTC Value on that 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;">(b) is the Policy’s Accumulation Value on that 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;">(c) is the initial Market Benefit Floor shown in the Policy Specifications, increased and/or decreased as a result of increases and/or decreases in the Policy’s Specified 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;">(d) is the Market Benefit Divisor 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 Market Maximum Monthly LTC Value may increase or decrease daily and is adjusted as described in the “Right to Purchase Optional Inflation Protection” section.</span><span style="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;">Impact of Claims on Benefit Payments: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the date we determine you are eligible to make a claim, the LTC Benefit Limit and the Maximum Monthly LTC Benefit will be fixed at the amount in effect on that 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;">With the exception of Caregiver Training, any amounts paid in a calendar month as a benefit under this Rider will reduce that month’s Maximum Monthly LTC Benefit, and the LTC Benefit Limit, dollar for dollar, as described in the “Benefits Available” 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;">An Optional Inflation Protection increase will increase the Maximum Monthly LTC Benefit and the LTC Benefit Limit, as described in the “Right to Purchase Optional Inflation Protection” section.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">An increase and/or decrease in the Policy’s Specified Amount or a Partial Surrender (i.e. withdrawal) under the Policy will likewise increase and/or decrease the Maximum Monthly LTC Benefit and the LTC Benefit Limit, as described in the “Impact of Policy Transactions” section.</span><span style="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, 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 you a written notification.</span><span style="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, on the date your claim is closed, the Policy’s Specified Amount and/or Accumulation Value are greater than zero, the LTC Benefit Limit and the Maximum Monthly LTC Benefit will remain fixed unless you submit a request to reallocate any Accumulation Value in the Fixed Account. The Transfer limits as described in the “Transfers” section do not apply to this reallocation. If you make a reallocation from the Fixed Account, either at this time or a later time, the LTC Benefit Limit and the Maximum Monthly LTC Benefit will no longer be fixed as described in 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;">If, on the date your claim is closed, the Policy’s Specified Amount and Accumulation Value have both been reduced to zero, the LTC Benefit Limit and the Maximum Monthly LTC Benefit will remain fixed.</span><span style="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. 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;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Adult day care services (also known as Residential Care)</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 (also known as Nursing Facility)</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;">Personal care services/homemaker services</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. treatment or care due to alcoholism or drug addiction;</span><span style="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. treatment for attempted suicide or an intentionally self-inflicted injury;</span><span style="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. treatment provided in a Veteran’s Administration or government facility;</span><span style="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. 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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">e. confinement or care received outside the United States other than benefits for nursing home care services and assisted living facility services (please refer to the “International Benefits” 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;">f. 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;</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">g. services provided by the Insured’s or Owner’s immediate family member, except as described in this 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;">h. 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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;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 in Policy Specified Amount:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If you request an increase in the Policy’s Specified Amount after the Policy Date, the Base Maximum Monthly LTC Value, Base LTC Limit Value, and Market Benefit Floor, which are used to determine the LTC Benefit Limit and the Maximum Monthly LTC Benefit, will be increased proportionally to the increase in the Policy’s 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;font-style:italic;">Decreases in Policy Specified Amount: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Policy’s Specified Amount decreases either by request or as a result of a Partial Surrender (i.e. withdrawal) under the Policy, the Base Maximum Monthly LTC Value, Base LTC Limit Value and Market Benefit Floor, which are used to determine the LTC Benefit Limit and the Maximum Monthly LTC Benefit, will be decreased proportionally to the decrease in the Policy’s 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;font-style:italic;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 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 portion to be repaid will equal the sum of (a) plus (b), divided by (c), then multiplied by (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 Loan 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;">(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 Policy’s Accumulation Value immediately prior to the 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 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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Loan Account Value is greater than zero, the Loan Account Value 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-style:italic;font-weight:bold;">Impact of Rider 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;">Monthly Deduction: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While the Policy and this Rider are in force, the Monthly Deduction described in the Policy will continue to be deducted from the Policy’s Accumulation Value until the earlier 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. the Insured’s Attained Age 121; 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 Monthly Anniversary Day on or next following the date the Policy’s Specified Amount and Accumulation Value have both been reduced to 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;font-style:italic;">Additional Premiums: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While the Policy and this Rider are in force, in addition to the terms and conditions described in the Policy’s “Additional Premiums” provision, the following will also apply: You may not make additional Premium Payments on or after the date in the Policy’s Specified Amount and Accumulation Value have both been reduced to zero as a result of benefit payments under this rider. Additionally, we reserve the right to require Evidence of Insurability for any Premium Payment that would result in an increase in the LTC Benefit Limit 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;">Automatic Transfer to Fixed Account While LTC Benefits are Being Paid: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">On the date a claim under this Rider is approved, we will transfer any Separate Account Value out of the Sub-Account(s) to the Fixed Account. Such transfer(s) will be made at the end of the Valuation Day on or next following the date your claim is approved.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While LTC Benefits are being paid, any Fixed Account Value cannot be transferred to the Sub-Account(s), and any Net Premium Payments received will be allocated to the Fixed Account. Automatic Rebalancing, Dollar Cost Averaging, and Allocation Requirements described in the Policy and/or the Value Protection Rider will not apply once a claim is approved, and you are no longer receiving LTC 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;font-style:italic;">When LTC Benefits are no longer being paid:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You may submit a request to transfer any remaining Fixed Account Value to the Sub-Account(s), subject to the Allocation Requirements described in the Policy and/or the Value Protection Rider, if in force. The Transfer limits as described in the “Transfers” section do not apply to this </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">reallocation. Any future Net Premium Payments received will be allocated accordingly. Automatic Rebalancing and Dollar Cost Averaging, as applicable, will recommence.</span><span style="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 transfers described in this section do not count against the free transfers available 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-style:italic;">Impact of Benefit Payments on Specified Amount:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> While the Policy’s Specified Amount is greater than zero, benefit payments under this Rider for Indemnity Choice Option benefits or to reimburse any Covered Service or combination of Covered Services (other than Caregiver Training) will reduce the Policy’s Specified Amount dollar for dollar. This change may reduce the Policy’s Specified Amount below the minimum as described in 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;">Impact of Benefit Payments on Policy Values:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> While the Policy’s Accumulation Value is greater than zero (greater than or equal to the Policy’s Specified Amount if issued in the State of California), benefit payments under this Rider for Indemnity Choice Option benefits or to reimburse any Covered Service or combination of Covered Services (other than Caregiver Training) will reduce the Policy’s Accumulation Value and Surrender Value dollar for dollar. In the State of California, while the Policy’s Accumulation Value is less than the Policy Specified Amount, benefit payments under this Rider for Indemnity Choice Option benefits or to reimburse any Covered Service or combination of Covered Services (other than Caregiver Training) will reduce the Policy’s Accumulation Value proportionally to the change in 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;font-style:italic;">Restriction on Specified Amount Increases:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If this Rider was issued with the right to purchase annual Optional Inflation Protection increases, you cannot request an increase in the Policy’s Specified Amount. If such right to purchase is subsequently terminated as described in the “Right to Purchase Optional Inflation 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;">provision, you may request an increase in the Policy’s Specified Amount, subject to the terms and conditions of the Policy’s “Increases in Specified Amount” 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;">Residual Death Benefit:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If this Rider is in force on the date the Insured dies, the Residual Death Benefit described below will be in effect when determining the Death Benefit Proceeds 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;">The Residual Death Benefit is equal to the lesser of:</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;">a.</span><span style="font-family:Arial Narrow;font-size:10pt;">5% of the Specified Amount on the date of the Insured’s death, not reduced for any benefits paid under this Rider; or</span><span style="font-family:Arial Narrow;font-size:10pt;">b.</span><span style="font-family:Arial Narrow;font-size:10pt;">$10,000.</span><span style="font-family:Arial Narrow;font-size:10pt;">Debt will decrease the Residual Death Benefit by an amount equal to 5% of the Debt. Repayment of Debt will increase the Residual Death Benefit by an amount equal to 5% of the repayment.</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;">No Death Benefit Proceeds are payable under the Policy if expenses for Covered Services have been reimbursed under the “Benefits After Lapse” 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;">Availability of Policy Death Benefit Proceeds:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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 Indemnity Choice Option benefits or to reimburse any Covered Service. Any Death Benefit Proceeds paid may include interest 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;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="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Nonforfeiture Benefit: </span><span style="font-family:Arial Narrow;font-size:10pt;">After the Policy and this Rider have been in force for 3 Policy Years and subject to the terms and conditions of this Rider, this provision will cover eligible claims for Covered Services up to the LTC Nonforfeiture Benefit Limit which begins at any time after this Rider has lapsed or terminated for any reason. The LTC Nonforfeiture Benefit Limit is an amount equal to the greater of one month’s Maximum Monthly LTC Benefit as of the date this Rider lapses or terminates or an amount equal to the sum of monthly rider charges paid for this rider. 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;">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 terms of the Value Protection 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;">Benefits After Lapse:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If your Policy Lapses while the Insured is confined to a Nursing Home or Assisted Living Facility and receiving benefits under this Rider for these services, the Indemnity Choice Option will remain and we will continue to reimburse costs incurred for such services 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. While LTC payments will continue for the duration of claim eligibility and confinement, Death Benefit Proceeds are no longer payable after the Policy Lapses.</span><span style="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 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. The reinstatement of the Policy and this Rider will be subject to satisfactory Evidence of Insurability. After reinstatement, this Rider will only provide benefits for Covered Services and/or indemnity benefits which begin on or after the date of reinstatement, subject to the terms and conditions of 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, however, the Insured was Chronically Ill when this Rider Lapsed, you may submit a Request to reinstate the Policy and this Rider without evidence of insurability within six months after the date of Lapse, regardless of the Attained Age of the Insured on the date of Lapse, by submitting a Written statement from a Licensed Health Care Practitioner certifying that the Insured was Chronically Ill on the date of Lapse. After reinstatement, this Rider will provide benefits for Covered Services and/or indemnity benefits received at any time since the Policy Date, including services received during the period of Lapse, subject to the terms and conditions of this Rider. </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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">However, in the state of California, if, the Insured provides proof of cognitive impairment or loss of functional capacity, we will reinstate the Policy and this Rider without evidence of insurability, regardless of the Attained Age of the Insured on the date of Lapse. This option is available to the Insured, if requested within 5 months after termination, and we receive past due Premium. 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-style:italic;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 (20 days in the state of California) 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 a 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. In the state of California, proof of loss must be furnished to the insurer within 90 days after the termination of the period for which the insurer is liable. State variations may 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;">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;">Impacts of Claims on New Benefits (California Residents): We will make available, new benefits or benefit eligibility, within 12 months of the date a new version of a Policy with additional or different benefits is made available in California. To be eligible for an upgrade of your existing Policy, you must not be receiving benefits or be within the Elimination Period of that 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;">In the event you are eligible for an upgrade, we will offer you the opportunity to upgrade your Policy, as approved by the California Department of Insurance, subject to our underwriting requirements for the upgraded coverage, and as may be appropriate in one of the following ways:</span><span style="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. By adding a rider or endorsement to your Policy, which may or may not have an additional Premium, based on your Attained Age at that time. The Premium for your original Policy will remain unchanged based on your age at issue; 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. By replacing your existing Policy with a subsequent Policy based on your Attained Age and subject to Premium credits for past Premiums paid; 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;">c. By replacing your existing Policy with a new Policy based on your original issue age.</span><span style="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 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(b) of the Internal Revenue Code of 1986, as amended.</span><span style="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 Benefits 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-style:italic;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. 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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2. 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;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3. the date we receive your request to terminate 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;">4. the date the Policy Lapses; 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. 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;line-height:12pt;"> </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 (5) above will be returned as a credit to your Policy.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit Transfer Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Subject to state availability and to meeting eligibility requirements, this Rider provides the Beneficiary(ies) payment of all or a portion of the Death Benefits Proceeds to purchase an amount of death benefit and long-term care benefit under the Beneficiaries own Eligible 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 may return this Rider for any reason to the registered representative through whom it was purchased, to any other registered representative of the Company, or to us at the Administrator Mailing Address shown on the cover of your Policy within 30 days after receipt of your Policy. If returned, this Rider will be considered void from the Policy Date and we will refund directly to you the Death Benefits Proceeds used to purchase Rider Benefits under this Rider within 30 days of the return. If you purchase through a third-party financial intermediary, please contact the third-party financial intermediary about your options for returning 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;">Note: In New Jersey, you may return this Rider for any reason within 30 days after activating the Rider Benefits. If returned, the purchase of the Rider benefits would be reversed and you would be refunded all Death Benefit Proceeds. This also terminates the Benefit Transfer 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 you have purchased benefits under this Rider, we agree to provide benefits for Qualified Long-Term Care Services as described in the Long-Term Care Benefits Rider. The death benefit under this Rider, if any, will be included in the calculation of Death Benefit Proceeds under this Policy, as described in this Rider's “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;">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;font-weight:bold;">Eligibility.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> A Beneficiary may purchase 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 Insured under this Policy must be the Beneficiary of an Eligible Policy, and must make the election to purchase Rider Benefit under this Rider at the time they make their election of settlement option under such Eligible Policy.</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 Insured under this Policy must be no less than attained age 50 and no more than attained age 120 on the Purchase Date.</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 LTC Benefit Limit under the Long-Term Care Benefits Rider attached to this Policy must be greater than zero on the Purchase Date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the conditions of the “Eligibility” provision are met, the Insured under this Policy may designate all or a portion of any Death Benefit Proceeds payable to them as Beneficiary of an Eligible Policy to be used as a single premium to purchase Rider Benefit under this Rider with no evidence of insurability.</span><span style="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 of Rider Benefit purchased with every $1,000 of Death Benefit Proceeds is shown in the Table of Guaranteed Purchase Values in the Policy Specifications and will not change. The Rider Benefit is based on the Insured's Attained Age on the Purchase Date, gender, and for the Rider LTC Benefit, the Right to Purchase Optional Inflation Protection election shown in the Policy Specifications.</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;">Hypothetical: The Benefit Transfer Rider will always provide more death benefit and long-term care benefit than the amount of the death benefit proceeds used for that purpose from an Eligible Policy. A policy is owned by a Female with the Couple’s Discount class who rejected the optional inflation increases at issue and is Attained Age 85 on the Purchase Date. The Owner is the Beneficiary of $100,000 in death benefits from another Eligible policy. Using the Death Benefit Proceeds from the Eligible Policy, the Owner elects to keep $50,000 of the death benefit and use the remaining $50,000 to purchase additional death benefit and long-term care benefit under the Benefit Transfer Rider for her Eligible Policy. The Owner’s Eligible Policy will receive $54,000 in Rider Death Benefit and $68,850 in Rider LTC Benefit.</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 amount of Death Benefit Proceeds that can be used to purchase Rider Benefit under this Rider may not be less than the Minimum Purchase Payment Amount shown in the Policy Specifications or more than the amount of Death Benefit Proceeds payable to the Beneficiary who is the Insured under this Policy. This maximum amount does not include any interest on Death Benefit Proceeds that may be payable.</span><span style="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 under this Policy is the Beneficiary on multiple Eligible Policies, there is no limit on the number of times Rider Benefit may be purchased under this Rider, as long as all of the terms and conditions of this Rider 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;font-style:italic;font-weight:bold;">LTC Benefits Available</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;"> Subject to the terms and conditions of this Rider and the Long-Term Care Benefits Rider, we will pay an amount not to exceed the Rider Maximum Monthly LTC Benefit, which is the equal to the Maximum Monthly LTC Benefit under the Long-Term Care Benefits Rider, no less frequently than once each calendar month until the Rider LTC Benefit Limit equals 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;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">to reimburse costs incurred and actually paid by the Insured for any Covered Service or combination of Covered Services; and/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;">to pay the Indemnity Choice Option benefit described in the Long-Term Care Benefits Rider's “Indemnity Choice Option” provision, if available under the terms of the Long-Term Care Benefits Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Any Rider LTC Benefit paid in a calendar month will reduce that month's Rider Maximum Monthly LTC Benefit and the Rider LTC Benefit Limit dollar for dollar. In any calendar month in which you are eligible to receive benefits under this Rider, the maximum amount available is equal to 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;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">an amount equal to your election, chosen at the time of initial claim:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) 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; 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) the Indemnity Choice Option 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the amount you request;</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 Maximum Monthly LTC Benefit amount under the Reimbursement Option or the Indemnity Choice Option, as applicable; 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;">the LTC Benefit Limit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While the terms and conditions of this Rider and the Long-Term Care Benefits Rider are met, Rider LTC Benefit will be paid under this Rider for as long as the Rider LTC Benefit Limit is greater than zero and this Rider remains in force. This does not apply to Rider LTC Benefit, if any, received under the “Rider LTC Benefit After Lapse” or “Rider LTC Nonforfeiture Benefit” provisions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">While this Rider and the Long-Term Care Benefits Rider are in force and this Rider’s Rider LTC Benefit Limit is greater than zero, benefits for Indemnity Choice Option benefits or to reimburse any Covered Services will be paid in the following order:</span><span style="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;">benefits are paid under the Long-Term Care Benefits Rider until both of the following are reduced to zero:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(i) the Policy’s Specified 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;">(ii) the Policy’s Accumulation Value; then</span><span style="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;">Rider LTC Benefits under this Rider, if any, is paid as long as the Rider death benefit, if any, is greater than zero;</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;">benefits are paid under the Long-Term Care Benefits Rider until that rider’s LTC Benefit Limit is reduced to zero; then</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;">Rider LTC Benefit under this Rider, if any, is paid until the Rider LTC Benefit Limit, if any, is reduced to zero.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Right to Purchase Optional Inflation Protection:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Long-Term Care Benefits Rider attached to this Policy is issued with the right to purchase Optional Inflation Protection, every annual Option Inflation Protection increase purchased by you will be factored into the calculation of the Rider LTC Benefit Limit, if any, under this Rider, as long as the Rider LTC Benefit Limit is greater than zero and 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-style:italic;font-weight:bold;">Impact of Benefit Payments:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> While the Rider death benefit is greater than zero, benefit payments under this Rider for Indemnity Choice Option benefits or to reimburse any Covered Service or combination of Covered Services (other than Caregiver Training) will reduce the Rider death benefit 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;font-style:italic;font-weight:bold;">Impact of Debt on Benefit Payments:</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 Rider Debt, which is the total amount of any outstanding loans against this Rider, including loan interest accrued but not yet charged, under this Rider. The portion to be repaid will equal the sum of (1) divided by (2), then multiplied by (3), 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 amount of Rider Debt;</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 Rider death benefit immediately prior to the Rider LTC Benefit payment, 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;">is the amount of the Rider LTC Benefit payment prior to the reduction to repay Rider Debt.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Rider on Policy:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Rider death benefit, Rider LTC Benefit, Rider LTC Benefit payments and the Rider Surrender Value under this Rider, if any, are not included in the calculation of any benefits, values, premiums, charges, Monthly Deduction, grace period, no-lapse values, or loans under this Policy, other than 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;">Death Benefit Proceeds:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If the Insured under this Policy dies while the Policy and this Rider are in force and upon notice of claim, we will pay Death Benefit Proceeds equal to the greatest of a., b. or c. below, plus the Rider death benefit, if any, on the Insured's date of death, less any Rider Debt, 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 Specified Amount on the date of the Insured’s death, less any Debt; 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;">is an amount equal to the Accumulation Value on the date of the Insured’s death multiplied by the applicable percentage shown in the Corridor Percentages Table in the Policy Specifications, less any Debt; 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;">is the Residual Death Benefit described in the Long-Term Care Benefits Rider, if that Rider is in force on the date of the Insured’s death.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Availability of Death Benefit Proceeds</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the Insured under this Policy 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 Indemnity Choice Option benefits or to reimburse any Covered Service under this Rider and under the Long-Term Care Benefits 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;">Impact of Policy on Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Rider death benefit and Rider Surrender Value, if any, are not impacted by increases or decreases to this Policy's Specified Amount, or partial surrenders (withdrawals) under this Policy. The Rider LTC Benefit, if any, is not impacted by benefits paid under the Long-Term Care Benefits Rider, or increases or decreases to this Policy's 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;font-style:italic;font-weight:bold;">Surrenders: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Surrender Value: The Rider Surrender Value is equal to (1) multiplied by (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)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the Rider Surrender Value Factor shown in the Table of Rider Surrender Value Factors in the Policy Specifications; 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 Rider death benefit, if any, divided by 1,000.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Full Surrender of Policy and Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If this Policy, including this Rider, are fully surrendered, the Surrender Value payable will equal the amount calculated under the Policy's “Policy Surrenders” provision plus the Rider Surrender Value, if any, on the date of surrender, less any Rider 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-style:italic;">Surrender of Rider Only:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Upon request, you may surrender this Rider and keep this Policy in force. The amount payable upon surrender of this Rider will equal the Rider Surrender Value on the date of surrender, less any Rider Debt. Once you have surrendered this Rider, it cannot 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;">Rider Surrender Values are based on the mortality assumption shown in the Policy Specifications. The values of this Rider are not less than the minimum required by law. If required, a detailed statement of the method used to determine Rider values has been filed with the state in which the Policy and this Rider are delivered.</span><span style="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;">Loans:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> If this Rider has Rider Surrender Value available, we will grant a loan against this Rider provided:</span><span style="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;">a loan agreement is properly executed; 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;">you make a satisfactory assignment of this Policy to us. The Rider Surrender Value of this Rider serves as the sole security for the loan.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Minimum Rider Loan Amount is shown in the Policy Specifications. We reserve the right to modify this amount in the future.</span><span style="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;">Rider Loan Amount Available: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The loan value under this Rider at any time is equal to:</span><span style="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 then current Rider 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;">minus any existing loan against this Rider; 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;">minus accrued interest on any existing loan against this Rider.</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;">Rider Loan Interest Rate Charged:</span><span style="font-family:Arial Narrow;font-size:10pt;"> Interest charged on loans against this Rider will be at an annual rate of 4% as shown in the Policy Specifications, payable in arrears. Interest charged on a loan accrues daily and is payable </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">annually on each Policy Anniversary or as otherwise agreed to by you and us. If you do not pay the interest when it is due, we will add the amount of interest to the loan.</span><span style="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;">Rider Loan Repayments:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Rider Debt may be repaid at any time while the Policy and this Rider are in force. Any loan repayment must be equal to or greater than the lesser of (a) the Minimum Rider Loan Repayment Amount shown in the Policy Specifications; or (b) the amount of the outstanding Rider 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;">Any Rider LTC Benefit paid under this Rider will be first used to repay a portion of any outstanding Rider Debt under this Rider, as described in the “Impact of Debt on Benefit Payments” 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;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;">Rider LTC Nonforfeiture Benefit:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Subject to the terms and conditions of this Rider and the Long-Term Care Benefits Rider and the limitations and conditions, this provision will cover eligible claims for Indemnity Choice Option benefits or to reimburse any Covered Service up to the Rider LTC Nonforfeiture Benefit Limit described below which begin at any time after this Rider has terminated for any reason, including surrender of this Rider or full surrender of this Policy. The Rider LTC Nonforfeiture Benefit, if any, under this provision will continue until the earlier 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 death of the Insured; 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 date the Rider LTC Nonforfeiture Benefit Limits, if any, has been reduced to zero.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Rider LTC Nonforfeiture Benefit Limit will be an amount equal to (1) minus (2), then minus (3), 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 Rider LTC Benefit Limit, if any, as of the date this Rider terminates;</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 Rider death benefit, if any, on the date this Rider terminates; 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;">is the sum of any benefits paid under this “Rider LTC Benefit After Lapse” provision.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Rider Maximum Monthly LTC Nonforfeiture Benefit, if any, will be an amount equal to the Rider Maximum Monthly LTC Benefit, if any, as of the date this Rider terminates, and will not 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;">The Rider LTC Nonforfeiture Benefit Limit and the Rider Maximum Monthly LTC Nonforfeiture Benefit are not subject to inflation protection increases.</span><span style="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 following conditions must be met in the order listed below for benefits under this provision to become effective:</span><span style="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;">Benefits under the Long-Term Care Benefits Rider’s “Benefits After Lapse” provision, if applicable, must no longer be in effect; then</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;">benefits under the “Rider LTC Benefit After lapse” provision, if applicable, must no longer be in effect; then</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;">payments under the Long-Term Care Benefits Rider’s “Nonforfeiture Benefit” provision must have reduced that rider’s LTC Nonforfeiture Benefit Limit to zero.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">Rider LTC Benefit after Lapse</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">: If the Policy lapses and benefits under the Long-Term Care Benefits Rider become payable under that rider's “Benefits After Lapse” provision, the Indemnity Choice Option benefit will remain and we will continue to reimburse costs incurred for such services under this Rider subject to the terms and conditions of this Rider and the Long-Term Care Benefits Rider if the confinement began while this Rider and the Long-Term Care Benefits Rider were in force and continues without interruption after the Policy and this Rider 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;">The amount of Rider LTC Benefit After Lapse, if any, will be an amount equal to (1) minus (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)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the Rider LTC Benefit, if any, on the date of the lapse; 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 Rider death benefit, if any, on the date of the lapse.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Rider LTC Benefit After Lapse amount is not subject to inflation protection increases.</span><span style="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 under this provision, if any, will continue to be paid subject to the terms and conditions of this Rider and the Long-Term Care Benefits Rider until 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;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the date the Insured is discharged from the Nursing Home or Assisted Living Facility, as applicable;</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 the Rider LTC Benefit After Lapse amount, if any, has been reduced to zero, 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;">the date the Insured dies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The following conditions must be met for benefits under this provision to become effective:</span><span style="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;">benefits under the Long-Term Care Benefits Rider’s “Benefits After Lapse” provision must no longer be in effect; 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;">the Insured’s confinement to a Nursing Home or Assisted Living Facility must continue without interruption after the date of lapse.</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;"> If the Policy to which this Rider is attached and the Long-Term Care Benefits Rider are reinstated, this Rider will likewise be reinstated if this Rider was in force on the date of Lapse and either of the following 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;">a.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">No Rider Benefit had been purchased under this Rider prior to the date of Lapse; 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 total amount of Rider Benefit purchased under this Rider was reduced to zero prior to the date of Lapse as a result of payments of Rider LTC Benefit under this Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This Rider will </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">not</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> be reinstated if either or both of the following occurred at the time of Lapse or termination:</span><span style="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;">You received payment of Rider Surrender Value; 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;">benefits were established under this Rider's “Rider LTC Nonforfeiture Benefit” provision.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Tax Treatment of Benefits:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Rider is intended to be a qualified long-term care insurance policy under Section 7702B(b) of the Internal Revenue Code, as amended.</span><span style="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;">This discussion of the tax treatment of the Benefit Transfer 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-style:italic;font-weight:bold;">Notice To Owner:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Rider may not cover all of the costs associated with long-term care incurred by the Insured during the period of coverage. The Owner is advised to carefully review all Policy and Rider limitations.</span><span style="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;">Termination of Rider:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Rider and all rights provided under it 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 date we receive your Request to return this Policy, the Long-Term Care Benefits Rider, or this Rider under the “30 Day Right to Examine” provision;</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 or the Long-Term Care Benefits Rider, including your Request to surrender 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;">the Valuation Day on or next following the date we receive your Request to terminate this Policy;</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 date this Policy Lapses; or</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 date the Insured under this Policy dies, which will cause the Death Benefit Proceeds to become payable under the Policy and this Rider.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value Protection Rider (“VPR”)</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 protection against the Policy and the Long-Term Care Benefits Rider from lapsing. While this Rider and the Long-Term Care Benefits Rider are in force, it also provides for Protected LTC Values that are calculated on each Policy Anniversary described below. There is no additional charge for this Rider. Except as provided below, this Rider is subject to the terms and conditions of the Policy and the Long-Term Care Benefits Rider. In order to keep this Rider in force, you </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">must allocate Net Premium Payments and Accumulation Value according to an allocation plan determined by us and described in the “Allocation Requirements” section below. State variations may 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;">In order to keep the Value Protection Rider and its benefits, you must maintain Automatic Rebalancing on a Quarterly basis in an allocation plan which meets the Allocation Requirements described below. If Dollar Cost Averaging is also elected, the first rebalancing will occur after the Dollar Cost Averaging process terminates.</span><span style="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 Rider will terminate, if at any time while in force, you elect 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;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">to discontinue the Automatic Rebalancing program; 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;font-weight:bold;">elect a frequency other than on a quarterly basis; 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;font-weight:bold;">request a change to your allocation instructions such that they no longer maintain the required allocation plan as determined by us.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">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;">We impose Allocation Requirements to reduce the risk of investment losses that may require us to use our own assets to make guaranteed payments under the Value Protection Rider and to make payments that would not be required in the absence of this Rider’s provisions. Please see “Appendix B: Current Investment Restrictions for Optional Benefits – Value Protection 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 will be notified at least </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">30 days</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">submit your own reallocation instructions for the Accumulation Value, before the effective 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;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">take no action and be subject to quarterly rebalancing. If this results in a change to your allocation instructions, then these will be your new allocation instructions until you tell us otherwise; 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;">elect to terminate the Rider immediately, without waiting for a termination event.</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;font-style:italic;font-weight:bold;">No-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;">If the Surrender Value of your Policy is less than the Monthly Deduction on a Monthly Anniversary Day, the VPR may prevent your Policy from lapsing if the requirements of the Rider, including requirements as to timing and the accumulation of all Premiums paid are met. No Premiums are required as long as the No-Lapse Premium Test described below is met. The Monthly No-Lapse Premium is shown in the Policy Specifications and can increase or decrease as the Policy’s Specified Amount changes. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Monthly Deductions will be taken from the Accumulation Value until the Accumulation Value less Debt is reduced to zero, at which time any unpaid Monthly Deductions will be accumulated and must be repaid out of any subsequent Net Premium Payments. The Net Premium Payment remaining, if any, after such repayment occurs will then be invested.</span><span style="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 Premium Test provides that if the Surrender Value of the Policy is less than the Monthly Deduction then due, the Policy will not enter the Grace Period and lapse as long as on that day (a) is equal to or greater than (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 accumulation of all Premiums paid less the accumulation of any Partial Surrenders, less Debt; 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 accumulation of the Monthly No-Lapse Premiums due since the Policy Date 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;">Note: The above accumulations are compounded by the Monthly Accumulation 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;">If the No-Lapse Premium Test is not met, you may pay additional Premiums at any time while the Policy and this Rider are in force in order to satisfy such test, subject to the terms and conditions 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-weight:bold;">Protected LTC Values</span><span style="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 VPR also provides Protected LTC Values. Beginning on the first Policy Anniversary, the Protected LTC Limit Value and the Protected Maximum Monthly LTC Value can be established and not subject to change (referred to as “Protected”) for the next year at the increased amount determined by the calculations described in detail in the Rider. On each subsequent Policy Anniversary, new value limits will be calculated and those Protected LTC Values will be at the higher of the previous year’s rates or the new rates determined by the calculations described in detail in the Rider. With the exception of Caregiver Training, any amounts paid in a calendar month as a benefit under the Long-Term Care Benefits Rider will reduce the Protected LTC Limit Value dollar for dollar as described in the Long-Term Care Benefits Rider. Any Partial Surrender (i.e. withdrawal) under the Policy will reduce the Protected LTC Limit Value and the Protected Maximum Monthly LTC 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;">Protected LTC Limit Value:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Is equal to the Market LTC Limit Value described in the Long-Term Care Benefits Rider multiplied by the Protected LTC Ratio which is shown of the Policy Specifications. This Protected LTC Limit Value will be used during the following Policy Year in determining the LTC Benefit Limit under the Long-Term Care Benefits 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;">On each subsequent Policy Anniversary while this Rider and the Long-Term Care Benefits Rider are in force, a new Protected LTC Limit Value will be calculated as described above. The greater of the new Protected LTC Limit Value on each Policy Anniversary, and the Protected LTC Limit Value in effect prior to that Policy Anniversary, will be used during the following Policy Year to determine the LTC Benefit Limit under the Long-Term Care Benefits 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;">Protected Maximum Monthly LTC Value:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Is equal to the Market Maximum Monthly LTC Value described in the Long-Term Care Benefits Rider multiplied by the Protected LTC Ratio which is shown of the Policy Specifications. The Protected Maximum Monthly LTC Value will be used during the following Policy Year in determining the Maximum Monthly LTC Benefit under the Long-Term Care Benefits 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;">On each subsequent Policy Anniversary while this Rider and the Long-Term Care Benefits Rider are in force, a new Protected Maximum Monthly LTC Value will be calculated. The greater of the new Protected Maximum Monthly LTC Value, and the Protected Maximum Monthly LTC Value in effect immediately prior to the Policy Anniversary, will be used during the following Policy Year to determine the Maximum Monthly LTC 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;">The limits described above may increase or decrease during the in the following year 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;">Impact of Optional Inflation Protection Increases:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> On any Policy Anniversary on which you purchase an Optional Inflation Protection increase the Protected LTC Limit Value determined for that Policy Anniversary will be the greater 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) is the Protected LTC Limit Value immediately prior to the Policy Anniversary, multiplied by 1.05; 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 Market LTC Limit Value described in the Long-Term Care Benefits Rider in effect on the Policy Anniversary, multiplied by the Protected LTC Ratio 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 Protected Maximum Monthly LTC Value determined for that Policy Anniversary will be the greater 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) is the Protected Maximum Monthly LTC Value immediately prior to the Policy Anniversary, multiplied by 1.05; 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 Market Maximum Monthly LTC Value described in the Long-Term Care Benefits Rider in effect on the Policy Anniversary, multiplied by the Protected LTC Ratio 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;">Impact of LTC Benefit Payments: With the exception of Caregiver Training, any amounts paid in a calendar month as a benefit under the Long-Term Care Benefits Rider will reduce the Protected LTC Limit Value 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;font-style:italic;">Impact of Partial Surrenders:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> A Partial Surrender (i.e. withdrawal) under the Policy will reduce the Protected LTC Limit Value and the Protected Maximum Monthly LTC 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;">The Protected LTC Limit Value following a Partial Surrender will be reduced by an amount equal to (a) multiplied by (b), multiplied by (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) is the amount of the Partial Surrender;</span><span style="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 Market Benefit Multiplier shown in the Policy Specifications; 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;">(c)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the Protected LTC Ratio shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Maximum Monthly LTC Value following a Partial Surrender will be reduced in proportion to the change to the Protected LTC Limit 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;">Impact of Rider 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;">Grace Period:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> While this Rider is in force, the Premium due under the Policy’s “Grace Period” provision will be an amount 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. the amount described in the Policy’s “Grace Period” provision, plus any accumulated unpaid Monthly Deductions; 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 amount necessary to satisfy the No-Lapse Premium Test as of the Monthly Anniversary Day following the 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;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 terms and conditions 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;line-height:12pt;"> </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;">For California: If the Insured provides proof of cognitive impairment or loss of functional capacity, we will reinstate the Policy and this Rider without evidence of insurability, regardless of the Attained Age of the Insured on the date of Lapse. This option is available to the Insured, if requested within five months after termination, and we receive past due 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;font-style:italic;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;">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 Monthly Anniversary Day on or next following the date on which the requirements under this Rider’s “Allocation Requirements Provisions” are no longer 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;">b. the date the Policy terminates for any reason; 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;">c. the date we receive your request to terminate this Rider.</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. 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="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;">Optional Sub-Account Allocation Programs</span><span style="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 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 or quarterly basis. Such allocations may not be made to the same account from which amounts are to be transferred. 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 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. You may elect to have Automatic Rebalancing on a quarterly, semi-annual or annual basis. </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 (the “Allocation Requirements”) described in this prospectus are required to keep the Value Protection Rider 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;">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;line-height:12pt;"> </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><span style="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 also elected, the first rebalancing will occur after the Dollar Cost Averaging process terminates. Automatic Rebalancing may be terminated, or the allocation may be changed at any time, by contacting our Administrative Office. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Terminating Automatic Rebalancing will terminate the Value Protection 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;line-height:12pt;"> </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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:115.5pt;"> <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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">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: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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides benefit </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">payments for the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Indemnity Choice </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option, and/or to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reimburse expenses </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">incurred by the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Insured for Covered </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">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="color:#000000;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="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;">Amounts we pay and/or reimburse are subject to a </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">monthly maximum dollar amount each calendar </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">month.</span></div> <div style="margin-left:4.25pt;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;">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="color:#000000;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="color:#000000;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="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;">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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Rider to qualify for reimbursement.</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: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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:183pt;"> <td style="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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Transfer </span></div> <div style="margin-left:6pt;margin-right:4.25pt;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: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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Beneficiary(ies) of an </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Eligible Policy the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">option to use all or a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">portion of the Death </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Proceeds as </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a single premium to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">purchase, without </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">underwriting Rider </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">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: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="color:#000000;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="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;">The Insured under this Policy must be the Beneficiary </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of an Eligible Policy, and must make the election to </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purchase Rider Benefit under this Rider at the time </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">they make their election of settlement option under </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">such Eligible Policy.</span></div> <div style="margin-left:4.25pt;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;">The Insured under this Policy must be no less than </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">attained age 50 and no more than attained age 120 on </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Purchase Date.</span></div> <div style="margin-left:4.25pt;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;">The LTC Benefit Limit under the Long-Term Care </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Benefits Rider attached to the Policy must be greater </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">than zero on the Purchase Date.</span></div> <div style="margin-left:4.25pt;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;">The Insured under this Policy must be living on the </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Purchase Date.</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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Protection </span></div> <div style="margin-left:6pt;margin-right:4.25pt;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: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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides lapse </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">protection if certain </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">conditions are met. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Also provides a level </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of protection against </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">market down turns </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">for accrued long-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">term care benefits.</span></div></div></td> <td style="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="color:#000000;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="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;">Lapse protection is subject to meeting the Premium </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Payment requirements of the No-Lapse Premium </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Test.</span></div> <div style="margin-left:4.25pt;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;">Maintaining Automatic Rebalancing on a quarterly </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">basis complying with the allocation requirements </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">described in the prospectus is required to keep this </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">rider in force.</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="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;">Must be active to maintain the Value Protection Rider </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(see Riders).</span></div> <div style="margin-left:4.25pt;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;">Is only available on a quarterly basis.</span></div></div></td></tr> <tr style="height:159.5pt;"> <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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Averaging</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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of market volatility.</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="color:#000000;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="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;">Available at Policy purchase only.</span></div> <div style="margin-left:4.25pt;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;">In effect for 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Policy Year or until funds are all </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">moved.</span></div> <div style="margin-left:4.25pt;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;">Moves money from Fixed Account or Money Market </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Sub-Account to other Sub-Accounts.</span></div> <div style="margin-left:4.25pt;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;">Cannot move money to the same account money is </span></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">being taken from.</span></div> <div style="margin-left:4.25pt;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;">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="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year.</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: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: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.</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;margin-left:0.0pt;">Long-Term Care </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefits Rider</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides benefit </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">payments for the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Indemnity Choice </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option, and/or to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reimburse expenses </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">incurred by the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Insured for Covered </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Services.</span> true <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;">Amounts we pay and/or reimburse are subject to a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">monthly maximum dollar amount each calendar </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">month.</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;">Availability is subject to underwriting criteria </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(including age and state of health) at time of Policy </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purchase only.</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;">The long-term care services must meet conditions of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Rider to qualify for reimbursement.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Transfer </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;">Provides </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Beneficiary(ies) of an </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Eligible Policy the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">option to use all or a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">portion of the Death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Proceeds as </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a single premium to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">purchase, without </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">underwriting Rider </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit.</span> true <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;">The Insured under this Policy must be the Beneficiary </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of an Eligible Policy, and must make the election to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purchase Rider Benefit under this Rider at the time </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">they make their election of settlement option under </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">such Eligible Policy.</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;">The Insured under this Policy must be no less than </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">attained age 50 and no more than attained age 120 on </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the Purchase Date.</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;">The LTC Benefit Limit under the Long-Term Care </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Benefits Rider attached to the Policy must be greater </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">than zero on the Purchase Date.</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;">The Insured under this Policy must be living on the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Purchase Date.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value Protection </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;">Provides lapse </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">protection if certain </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">conditions are met. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Also provides a level </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of protection against </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">market down turns </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">for accrued long-</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">term care benefits.</span> true <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;">Lapse protection is subject to meeting the Premium </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Payment requirements of the No-Lapse Premium </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Test.</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;">Maintaining Automatic Rebalancing on a quarterly </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">basis complying with the allocation requirements </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">described in the prospectus is required to keep this </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">rider in force.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Automatic </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rebalancing</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To periodically </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">restore Sub-Account </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exposure to a pre-</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">determined level </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">selected by the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">policyholder to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reduce potential risk </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of exposure to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">market volatility.</span> true <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;">Must be active to maintain the Value Protection Rider </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">(see Riders).</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;">Is only available on a quarterly basis.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Dollar Cost </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Averaging</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">strategy that divides </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">up the total amount </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to be invested in one </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">or more Sub-</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accounts over a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">specified period of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">time. This averages </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the purchase cost of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the assets over time </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and helps to reduce </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the potential impact </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of market volatility.</span> true <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;">Available at Policy purchase only.</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;">In effect for 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Policy Year or until funds are all </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">moved.</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;">Moves money from Fixed Account or Money Market </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Sub-Account to other Sub-Accounts.</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;">Cannot move money to the same account money is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">being taken from.</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;">Automatically moves to Automatic Rebalancing after </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> year.</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.</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-weight:bold;">Value Protection Rider (“VPR”)</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 protection against the Policy and the Long-Term Care Benefits Rider from lapsing. While this Rider and the Long-Term Care Benefits Rider are in force, it also provides for Protected LTC Values that are calculated on each Policy Anniversary described below. There is no additional charge for this Rider. Except as provided below, this Rider is subject to the terms and conditions of the Policy and the Long-Term Care Benefits Rider. In order to keep this Rider in force, you </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">must allocate Net Premium Payments and Accumulation Value according to an allocation plan determined by us and described in the “Allocation Requirements” section below. State variations may 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;">In order to keep the Value Protection Rider and its benefits, you must maintain Automatic Rebalancing on a Quarterly basis in an allocation plan which meets the Allocation Requirements described below. If Dollar Cost Averaging is also elected, the first rebalancing will occur after the Dollar Cost Averaging process terminates.</span><span style="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 Rider will terminate, if at any time while in force, you elect 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;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">to discontinue the Automatic Rebalancing program; 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;font-weight:bold;">elect a frequency other than on a quarterly basis; 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;font-weight:bold;">request a change to your allocation instructions such that they no longer maintain the required allocation plan as determined by us.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">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;">We impose Allocation Requirements to reduce the risk of investment losses that may require us to use our own assets to make guaranteed payments under the Value Protection Rider and to make payments that would not be required in the absence of this Rider’s provisions. Please see “Appendix B: Current Investment Restrictions for Optional Benefits – Value Protection 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 will be notified at least </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">30 days</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> 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.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">submit your own reallocation instructions for the Accumulation Value, before the effective 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;">2.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">take no action and be subject to quarterly rebalancing. If this results in a change to your allocation instructions, then these will be your new allocation instructions until you tell us otherwise; 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;">elect to terminate the Rider immediately, without waiting for a termination event.</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;font-style:italic;font-weight:bold;">No-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;">If the Surrender Value of your Policy is less than the Monthly Deduction on a Monthly Anniversary Day, the VPR may prevent your Policy from lapsing if the requirements of the Rider, including requirements as to timing and the accumulation of all Premiums paid are met. No Premiums are required as long as the No-Lapse Premium Test described below is met. The Monthly No-Lapse Premium is shown in the Policy Specifications and can increase or decrease as the Policy’s Specified Amount changes. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Monthly Deductions will be taken from the Accumulation Value until the Accumulation Value less Debt is reduced to zero, at which time any unpaid Monthly Deductions will be accumulated and must be repaid out of any subsequent Net Premium Payments. The Net Premium Payment remaining, if any, after such repayment occurs will then be invested.</span><span style="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 Premium Test provides that if the Surrender Value of the Policy is less than the Monthly Deduction then due, the Policy will not enter the Grace Period and lapse as long as on that day (a) is equal to or greater than (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 accumulation of all Premiums paid less the accumulation of any Partial Surrenders, less Debt; 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 accumulation of the Monthly No-Lapse Premiums due since the Policy Date 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;">Note: The above accumulations are compounded by the Monthly Accumulation 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;">If the No-Lapse Premium Test is not met, you may pay additional Premiums at any time while the Policy and this Rider are in force in order to satisfy such test, subject to the terms and conditions 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-weight:bold;">Protected LTC Values</span><span style="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 VPR also provides Protected LTC Values. Beginning on the first Policy Anniversary, the Protected LTC Limit Value and the Protected Maximum Monthly LTC Value can be established and not subject to change (referred to as “Protected”) for the next year at the increased amount determined by the calculations described in detail in the Rider. On each subsequent Policy Anniversary, new value limits will be calculated and those Protected LTC Values will be at the higher of the previous year’s rates or the new rates determined by the calculations described in detail in the Rider. With the exception of Caregiver Training, any amounts paid in a calendar month as a benefit under the Long-Term Care Benefits Rider will reduce the Protected LTC Limit Value dollar for dollar as described in the Long-Term Care Benefits Rider. Any Partial Surrender (i.e. withdrawal) under the Policy will reduce the Protected LTC Limit Value and the Protected Maximum Monthly LTC 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;">Protected LTC Limit Value:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Is equal to the Market LTC Limit Value described in the Long-Term Care Benefits Rider multiplied by the Protected LTC Ratio which is shown of the Policy Specifications. This Protected LTC Limit Value will be used during the following Policy Year in determining the LTC Benefit Limit under the Long-Term Care Benefits 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;">On each subsequent Policy Anniversary while this Rider and the Long-Term Care Benefits Rider are in force, a new Protected LTC Limit Value will be calculated as described above. The greater of the new Protected LTC Limit Value on each Policy Anniversary, and the Protected LTC Limit Value in effect prior to that Policy Anniversary, will be used during the following Policy Year to determine the LTC Benefit Limit under the Long-Term Care Benefits 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;">Protected Maximum Monthly LTC Value:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Is equal to the Market Maximum Monthly LTC Value described in the Long-Term Care Benefits Rider multiplied by the Protected LTC Ratio which is shown of the Policy Specifications. The Protected Maximum Monthly LTC Value will be used during the following Policy Year in determining the Maximum Monthly LTC Benefit under the Long-Term Care Benefits 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;">On each subsequent Policy Anniversary while this Rider and the Long-Term Care Benefits Rider are in force, a new Protected Maximum Monthly LTC Value will be calculated. The greater of the new Protected Maximum Monthly LTC Value, and the Protected Maximum Monthly LTC Value in effect immediately prior to the Policy Anniversary, will be used during the following Policy Year to determine the Maximum Monthly LTC 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;">The limits described above may increase or decrease during the in the following year 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;">Impact of Optional Inflation Protection Increases:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> On any Policy Anniversary on which you purchase an Optional Inflation Protection increase the Protected LTC Limit Value determined for that Policy Anniversary will be the greater 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) is the Protected LTC Limit Value immediately prior to the Policy Anniversary, multiplied by 1.05; 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 Market LTC Limit Value described in the Long-Term Care Benefits Rider in effect on the Policy Anniversary, multiplied by the Protected LTC Ratio 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 Protected Maximum Monthly LTC Value determined for that Policy Anniversary will be the greater 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) is the Protected Maximum Monthly LTC Value immediately prior to the Policy Anniversary, multiplied by 1.05; 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 Market Maximum Monthly LTC Value described in the Long-Term Care Benefits Rider in effect on the Policy Anniversary, multiplied by the Protected LTC Ratio 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;">Impact of LTC Benefit Payments: With the exception of Caregiver Training, any amounts paid in a calendar month as a benefit under the Long-Term Care Benefits Rider will reduce the Protected LTC Limit Value 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;font-style:italic;">Impact of Partial Surrenders:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> A Partial Surrender (i.e. withdrawal) under the Policy will reduce the Protected LTC Limit Value and the Protected Maximum Monthly LTC 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;">The Protected LTC Limit Value following a Partial Surrender will be reduced by an amount equal to (a) multiplied by (b), multiplied by (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) is the amount of the Partial Surrender;</span><span style="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 Market Benefit Multiplier shown in the Policy Specifications; 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;">(c)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is the Protected LTC Ratio shown in the Policy Specifications.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Protected Maximum Monthly LTC Value following a Partial Surrender will be reduced in proportion to the change to the Protected LTC Limit 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;">Impact of Rider 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;">Grace Period:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> While this Rider is in force, the Premium due under the Policy’s “Grace Period” provision will be an amount 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. the amount described in the Policy’s “Grace Period” provision, plus any accumulated unpaid Monthly Deductions; 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 amount necessary to satisfy the No-Lapse Premium Test as of the Monthly Anniversary Day following the 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;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 terms and conditions 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;line-height:12pt;"> </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;">For California: If the Insured provides proof of cognitive impairment or loss of functional capacity, we will reinstate the Policy and this Rider without evidence of insurability, regardless of the Attained Age of the Insured on the date of Lapse. This option is available to the Insured, if requested within five months after termination, and we receive past due 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;font-style:italic;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;">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 Monthly Anniversary Day on or next following the date on which the requirements under this Rider’s “Allocation Requirements Provisions” are no longer 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;">b. the date the Policy terminates for any reason; 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;">c. the date we receive your request to terminate this Rider.</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. 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="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 or quarterly basis. Such allocations may not be made to the same account from which amounts are to be transferred. 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 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. You may elect to have Automatic Rebalancing on a quarterly, semi-annual or annual basis. </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 (the “Allocation Requirements”) described in this prospectus are required to keep the Value Protection Rider 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;">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;line-height:12pt;"> </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><span style="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 also elected, the first rebalancing will occur after the Dollar Cost Averaging process terminates. Automatic Rebalancing may be terminated, or the allocation may be changed at any time, by contacting our Administrative Office. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Terminating Automatic Rebalancing will terminate the Value Protection 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;line-height:12pt;"> </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. The Long-Term Care Benefits Rider and the Value Protection Rider, may impact the amount payable as Death Benefit Proceeds in your Policy. The annual statement you receive will show whether or not the No-Lapse Provision is maintaining your 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: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 death of the Insured, less any Debt;</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 death multiplied by the applicable percentage shown in the Corridor Percentages Table in the Policy Specifications, less any Debt. (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.); 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 residual death benefit described in the Long-Term Care Benefits Rider, if that rider is in force on the date of the Insured’s death.</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 after any change is shown on your 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;">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 as shown on your Policy Specifications. If you request a change, a supplemental application and evidence of insurability must also be submitted to us.</span><span style="color:#000000;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="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 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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 test, as discussed below, require certain ratios 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. 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: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;">This Policy is designed to provide a death benefit that qualifies under the “Cash Value Accumulation Test” (“CVAT”) as defined in Section 7702 of the Internal Revenue Code of 1986 as amended (“Code”). 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: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="color:#000000;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 after any change is shown on your 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;">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 as shown on your Policy Specifications. If you request a change, a supplemental application and evidence of insurability must also be submitted to us.</span><span style="color:#000000;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="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 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 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">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 test, as discussed below, require certain ratios 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. 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: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;">This Policy is designed to provide a death benefit that qualifies under the “Cash Value Accumulation Test” (“CVAT”) as defined in Section 7702 of the Internal Revenue Code of 1986 as amended (“Code”). 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: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. If the Value Protection Rider is in effect, you may not be able to invest in certain Underlying Funds. Please see “Appendix B –Current Investment Restrictions for Optional Benefits – Value Protection Rider”.  More information about the Underlying Funds is available in the prospectuses</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">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 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: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;">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: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 - Initial 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;">0.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">33.45%</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;">16.65%</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;">11.61%</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;">To provide 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;">First Trust Capital Strength </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Hedged Equity 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 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;"> </div></div></td> <td style="border-bottom:0.5pt 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;">1.25%</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:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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: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 provide 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;">First Trust Capital Strength </span></div> <div style="margin-left:4.25pt;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 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;"> </div></div></td> <td style="border-bottom:0.5pt 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;">1.10%</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;">7.75%</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: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: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 provide total return by allocating </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">among dividend-paying stocks 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;">investment grade bonds.</span></div></div></td> <td style="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;">First Trust/Dow Jones </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Dividend &amp; 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;">Allocation 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;">I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt 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;">1.19%</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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.51%</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;margin-left:5pt;">7.23%</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;">6.53%</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 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 American Balanced </span></div> <div style="margin-left:4.25pt;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><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;">0.58%</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;">13.68%</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;">8.01%</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;">6.09%</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 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-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 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 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;">0.59%</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;">14.95%</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;">8.55%</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;">6.49%</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 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 American 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;">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;">0.58%</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;">10.77%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">6.10%</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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.87%</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;">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;">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-bottom:0.5pt 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><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;">18.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">13.95%</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;">9.62%</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: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;">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 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">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;margin-left:5pt;">7.99%</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: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: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.</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 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-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;">0.49%</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;">21.65%</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;">14.73%</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: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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.61%</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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.99%</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 and some 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. 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 JPMorgan Retirement </span></div> <div style="margin-left:4.25pt;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><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;">0.68%</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;">11.60%</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;margin-left:5pt;">5.02%</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;">3.94%</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 provide investment results over </span></div> <div style="margin-left: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 full market cycle that, before fees </span></div> <div style="margin-left: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 expenses, are superior to 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;">index that tracks global equities.</span></div></div></td> <td style="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 Loomis Sayles 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 - 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;">0.77%</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-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">36.85%</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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.68%</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;margin-left:8.05pt;">N/A</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;">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;">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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.50%</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;margin-left:5pt;">1.99%</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 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;">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: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 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 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;">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;">0.45%</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;">30.17%</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;">15.86%</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;">11.32%</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.</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 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-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;">0.80%</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-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;">14.71%</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;">9.83%</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;">6.58%</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;">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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.26%</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 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-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 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">20.11%</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: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="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;">3.45%</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 seek a high level of current </span></div> <div style="margin-left: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 consistent 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;">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 PIMCO Low Duration </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bond 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;">0.68%</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;margin-left:5pt;">4.87%</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;">1.30%</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: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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.09%</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;">To provide investment results that, </span></div> <div style="margin-left: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, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">correspond generally to the total </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">return of the MSCI Emerging </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Index that tracks </span></div> <div style="margin-left: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 emerging market </span></div> <div style="margin-left: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.</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 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 Index 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;">0.50%</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-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;">8.83%</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;">2.74%</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;">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: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;">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;"> </div></div></td> <td style="border-bottom:0.5pt 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: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 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-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 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-bottom:0.5pt 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;">0.23%</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:39.83pt;"> <div style="line-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;">26.01%</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;">15.41%</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;">11.77%</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 provide investment results that, </span></div> <div style="margin-left: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, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">correspond generally to the price </span></div> <div style="margin-left: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 yield performance of an index </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">that tracks the short-term 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;">corporate bond market.</span></div></div></td> <td style="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 Short-Term </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bond Index 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;">0.36%</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;margin-left:5pt;">5.17%</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;">1.87%</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;">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-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 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-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;">0.38%</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-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;">16.50%</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;">9.52%</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;">6.74%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2020 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">13.54%</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;margin-left:5pt;">7.41%</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;">4.90%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2030 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">16.14%</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;margin-left:5pt;">9.08%</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;">5.46%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2040 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">19.19%</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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.72%</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;">6.11%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2050 </span></div> <div style="margin-left:4.25pt;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;">0.72%</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;">20.30%</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;">11.25%</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;">6.57%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2060 </span></div> <div style="margin-left:4.25pt;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;">0.72%</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;">20.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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: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: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. 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-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 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-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;">0.32%</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-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;">25.22%</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;">14.84%</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;">11.09%</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 </span></div> <div style="margin-left:4.25pt;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: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 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;">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: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;">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;">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: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;">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 II 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;">Portfolio - 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><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;">0.81%</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;">23.14%</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;">15.08%</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;">11.61%</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;">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 New Discovery </span></div> <div style="margin-left:4.25pt;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;">0.87%</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;">14.41%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">11.08%</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;">7.67%</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;">Balanced investment composed 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;">well-diversified portfolio of stocks </span></div> <div style="margin-left: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 bonds which produce both </span></div> <div style="margin-left: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 and current 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;">Putnam VT George Putnam </span></div> <div style="margin-left:4.25pt;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 - Class IA</span></div></div></td> <td style="border-bottom:0.5pt 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;">20.26%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">10.71%</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;">8.30%</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;">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-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;"> 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 – Service 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;">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;">0.60%</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;">11.32%</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:8.05pt;">N/A</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:8.05pt;">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: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 – Service </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</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;">13.36%</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:16.45pt;"> <div style="display:flex;white-space:nowrap;width:16.45pt;"><span style="font-family:Arial Narrow;font-size:10pt;">N/A</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:16.45pt;"> <div style="display:flex;white-space:nowrap;width:16.45pt;"><span style="font-family:Arial Narrow;font-size:10pt;">N/A</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 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;">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. If the Value Protection Rider is in effect, you may not be able to invest in certain Underlying Funds. Please see “Appendix B –Current Investment Restrictions for Optional Benefits – Value Protection Rider”.  More information about the Underlying Funds is available in the prospectuses</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">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 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: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;">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: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 - Initial 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;">0.56%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">33.45%</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;">16.65%</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;">11.61%</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;">To provide 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;">First Trust Capital Strength </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Hedged Equity 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 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;"> </div></div></td> <td style="border-bottom:0.5pt 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;">1.25%</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:8.05pt;">N/A</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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: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 provide 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;">First Trust Capital Strength </span></div> <div style="margin-left:4.25pt;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 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;"> </div></div></td> <td style="border-bottom:0.5pt 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;">1.10%</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;">7.75%</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: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: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 provide total return by allocating </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">among dividend-paying stocks 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;">investment grade bonds.</span></div></div></td> <td style="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;">First Trust/Dow Jones </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Dividend &amp; 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;">Allocation 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;">I</span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt 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;">1.19%</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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.51%</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;margin-left:5pt;">7.23%</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;">6.53%</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 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 American Balanced </span></div> <div style="margin-left:4.25pt;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><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;">0.58%</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;">13.68%</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;">8.01%</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;">6.09%</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 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-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 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 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;">0.59%</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;">14.95%</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;">8.55%</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;">6.49%</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 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 American 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;">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;">0.58%</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;">10.77%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">6.10%</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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.87%</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;">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;">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-bottom:0.5pt 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><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;">18.10%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">13.95%</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;">9.62%</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: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;">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 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">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;margin-left:5pt;">7.99%</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: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: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.</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 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-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;">0.49%</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;">21.65%</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;">14.73%</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: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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.61%</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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">0.99%</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 and some 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. 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 JPMorgan Retirement </span></div> <div style="margin-left:4.25pt;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><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;">0.68%</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;">11.60%</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;margin-left:5pt;">5.02%</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;">3.94%</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 provide investment results over </span></div> <div style="margin-left: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 full market cycle that, before fees </span></div> <div style="margin-left: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 expenses, are superior to 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;">index that tracks global equities.</span></div></div></td> <td style="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 Loomis Sayles 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 - 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;">0.77%</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-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">36.85%</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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">13.68%</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;margin-left:8.05pt;">N/A</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;">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;">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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:5pt;">1.50%</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;margin-left:5pt;">1.99%</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 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;">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: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 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 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;">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;">0.45%</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;">30.17%</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;">15.86%</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;">11.32%</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.</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 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-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;">0.80%</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-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;">14.71%</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;">9.83%</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;">6.58%</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;">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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.26%</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 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-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 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">20.11%</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: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="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;">3.45%</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 seek a high level of current </span></div> <div style="margin-left: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 consistent 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;">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 PIMCO Low Duration </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bond 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;">0.68%</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;margin-left:5pt;">4.87%</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;">1.30%</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: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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">4.09%</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;">To provide investment results that, </span></div> <div style="margin-left: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, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">correspond generally to the total </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">return of the MSCI Emerging </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Index that tracks </span></div> <div style="margin-left: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 emerging market </span></div> <div style="margin-left: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.</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 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 Index 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;">0.50%</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-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;">8.83%</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;">2.74%</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;">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: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;">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;"> </div></div></td> <td style="border-bottom:0.5pt 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: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 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-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 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-bottom:0.5pt 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;">0.23%</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:39.83pt;"> <div style="line-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;">26.01%</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;">15.41%</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;">11.77%</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 provide investment results that, </span></div> <div style="margin-left: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, </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">correspond generally to the price </span></div> <div style="margin-left: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 yield performance of an index </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">that tracks the short-term 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;">corporate bond market.</span></div></div></td> <td style="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 Short-Term </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bond Index 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;">0.36%</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;margin-left:5pt;">5.17%</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;">1.87%</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;">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-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 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-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;">0.38%</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-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;">16.50%</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;">9.52%</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;">6.74%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2020 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">13.54%</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;margin-left:5pt;">7.41%</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;">4.90%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2030 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">16.14%</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;margin-left:5pt;">9.08%</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;">5.46%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2040 </span></div> <div style="margin-left:4.25pt;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-bottom:0.5pt 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;">19.19%</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:32.83pt;"> <div style="display:flex;white-space:nowrap;width:32.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">10.72%</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;">6.11%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2050 </span></div> <div style="margin-left:4.25pt;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;">0.72%</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;">20.30%</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;">11.25%</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;">6.57%</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;">The highest total return over time </span></div> <div style="margin-left: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 an 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;">both capital growth and income. 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 T. Rowe Price 2060 </span></div> <div style="margin-left:4.25pt;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;">0.72%</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;">20.31%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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: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: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. 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-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 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-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;">0.32%</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-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;">25.22%</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;">14.84%</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;">11.09%</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 </span></div> <div style="margin-left:4.25pt;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: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 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;">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: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;">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;">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: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;">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 II 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;">Portfolio - 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><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;">0.81%</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;">23.14%</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;">15.08%</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;">11.61%</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;">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 New Discovery </span></div> <div style="margin-left:4.25pt;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;">0.87%</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;">14.41%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">11.08%</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;">7.67%</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;">Balanced investment composed 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;">well-diversified portfolio of stocks </span></div> <div style="margin-left: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 bonds which produce both </span></div> <div style="margin-left: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 and current 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;">Putnam VT George Putnam </span></div> <div style="margin-left:4.25pt;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 - Class IA</span></div></div></td> <td style="border-bottom:0.5pt 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;">20.26%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;white-space:nowrap;width:39.83pt;"> <div style="line-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;">10.71%</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;">8.30%</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;">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-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;"> 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 – Service 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;">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;">0.60%</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;">11.32%</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:8.05pt;">N/A</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:8.05pt;">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: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 – Service </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 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:27.83pt;"> <div style="display:flex;white-space:nowrap;width:27.83pt;"><span style="font-family:Arial Narrow;font-size:10pt;">0.59%</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;">13.36%</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:16.45pt;"> <div style="display:flex;white-space:nowrap;width:16.45pt;"><span style="font-family:Arial Narrow;font-size:10pt;">N/A</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:16.45pt;"> <div style="display:flex;white-space:nowrap;width:16.45pt;"><span style="font-family:Arial Narrow;font-size:10pt;">N/A</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;">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;">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 - Initial Class</span> 0.0056 0.3345 0.1665 0.1161 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide 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;">First Trust Capital Strength </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Hedged Equity Portfolio – </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class I</span> 0.0125 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide capital appreciation.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust Capital Strength </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio – Class I</span> 0.0110 0.0775 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide total return by allocating </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">among dividend-paying stocks and </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment grade bonds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First Trust/Dow Jones </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Dividend &amp; Income </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">I</span> 0.0119 0.1051 0.0723 0.0653 <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 American Balanced </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> 0.0058 0.1368 0.0801 0.0609 <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 American Growth </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 0.1495 0.0855 0.0649 <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 American Income </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> 0.0058 0.1077 0.0610 0.0487 <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;">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> 0.0090 0.1810 0.1395 0.0962 <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;">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;">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 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;">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;">Current income and some capital </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">appreciation. A fund of funds.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP JPMorgan Retirement </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> 0.0068 0.1160 0.0502 0.0394 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">To provide investment results over </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a full market cycle that, before fees </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and expenses, are superior to an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">index that tracks global equities.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP Loomis Sayles Global </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> 0.0077 0.3685 0.1368 <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;">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;">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 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 seek a high level of current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">income consistent with </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 PIMCO Low Duration </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bond 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> 0.0068 0.0487 0.0130 <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 provide investment results that, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">correspond generally to the total </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">return of the MSCI Emerging </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Index that tracks </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance of emerging market </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">equity securities.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Emerging </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Markets Equity Index 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 0.0883 0.0274 <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 provide investment results that, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">before fees and expenses, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">correspond generally to the price </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and yield performance of an index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">that tracks the short-term U.S. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">corporate bond market.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">LVIP SSGA Short-Term </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Bond Index 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> 0.0036 0.0517 0.0187 <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;">The highest total return over time </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with an emphasis on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">both capital growth and income. 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 T. Rowe Price 2020 </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> 0.0066 0.1354 0.0741 0.0490 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The highest total return over time </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with an emphasis on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">both capital growth and income. 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 T. Rowe Price 2030 </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 0.1614 0.0908 0.0546 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The highest total return over time </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with an emphasis on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">both capital growth and income. 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 T. Rowe Price 2040 </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> 0.0070 0.1919 0.1072 0.0611 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The highest total return over time </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with an emphasis on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">both capital growth and income. 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 T. Rowe Price 2050 </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> 0.0072 0.2030 0.1125 0.0657 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The highest total return over time </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">consistent with an emphasis on </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">both capital growth and income. 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 T. Rowe Price 2060 </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> 0.0072 0.2031 <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;">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;">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 II Core Equity </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Portfolio - 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> 0.0081 0.2314 0.1508 0.1161 <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 New Discovery </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> 0.0087 0.1441 0.1108 0.0767 <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balanced investment composed of a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">well-diversified portfolio of stocks </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and bonds which produce both </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">capital growth and current income.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Putnam VT George Putnam </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Balanced Fund - Class IA</span> 0.0067 0.2026 0.1071 0.0830 <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 – Service Class </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> 0.0060 0.1132 <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 – Service </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Class 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> 0.0059 0.1336 <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 – VALUE PROTECTION 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;">You will not be able to allocate Accumulation Value without restriction among all of the Sub-Accounts that are available without losing this Rider. We impose Allocation Requirements to reduce the risk of investment losses that may require us to use our own assets to make guaranteed payments under the Value Protection Rider and to make payments that would not be required in the absence of this Rider’s provisions.</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:95pt;"> <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;">No restrictions or requirements exist on </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;">Tier 1 Sub-Accounts or in the Fixed </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;">Account if the total investment in Tier 3 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;">zero. If there any investments in Tier 3, </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;">then investments in Tier 1 Sub-Accounts </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;">and/or in the Fixed Account must account </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;">for at least 20% 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.</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></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;">Any investment in any Tier 3 Sub-Accounts </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;">activates the 20% requirement in the Tier 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;font-weight:bold;margin-left:0.0pt;">Sub-Accounts and/or the Fixed Account.</span></div></div></td></tr> <tr style="height:389pt;"> <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:4.34pt;">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 Government Money Market 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 Macquarie 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 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 PIMCO Low Duration 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 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 SSGA Short-Term Bond Index 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;">First Trust Capital Strength Hedged Equity </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;">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;">First Trust/Dow Jones Dividend &amp; Income </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 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;">LVIP American Balanced 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 American Growth 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 American Income 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 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 JPMorgan Retirement Income 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 T. Rowe Price 2020 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 T. Rowe Price 2030 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 T. Rowe Price 2040 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 T. Rowe Price 2050 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 T. Rowe Price 2060 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;">Putnam VT George Putnam Balanced </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;">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;">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;">Fidelity</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;"> VIP Contrafund</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;"> 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;">First Trust Capital Strength 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;">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 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 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 Loomis Sayles 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;">LVIP Macquarie Mid 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;">LVIP Macquarie 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 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 Emerging Markets Equity </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;">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 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 Mid-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 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;">Macquarie 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;">Macquarie 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;">MFS</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;"> VIT New Discovery 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</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;"> VIT II Core Equity Portfolio</span></div></div></td></tr></table>