N-4

0000935823

Aug. 18, 2025

Item 3. Key Information [Line Items]

Ongoing Fees and Expenses [Table Text Block]

Ongoing Fees and Expenses (annual charges)	The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Advisory fees for services provided by your financial professional taken from your Contract Value or other assets and are not reflected in the Annual Fees below. If such fees were reflected, the annual costs of your Contract would be higher.
	ANNUAL FEES	MINIMUM	MAXIMUM
	1. Base Contract	0.35%^1,2	0.45%¹
	2. Investment Options (Fund fees and expenses)	0.03%³	1.93%³
	3. Optional Benefits (for a single optional benefit, if elected)	0.15%⁴	1.35%⁴
	Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges.
	Lowest Annual Cost: $457.97	Highest Annual Cost: $3,316.04
	Assumes: ●       Investment of $100,000 ●       5% annual appreciation	Assumes: ●       Investment of $100,000 ●       5% annual appreciation

●       Least expensive combination of base Contract and Fund fees and expenses

●       No optional benefits

●       No sales charges or advisory fees

●       No additional purchase payments, transfers, or withdrawals

●       Most expensive combination of base Contract, optional benefits, and Fund fees and expenses

●       No sales charges or advisory fees

●       No additional purchase payments, transfers, or withdrawals

1

As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge and the Administrative Fee, and the Investment Platform Fee.

2

The Mortality and Expense Risk Charge for contracts under $500,000 is 0.15%. The Mortality and Expense Risk Charge is reduced by 0.05% for the upcoming Contract quarter if the Contract Value is between $500,000 and $999,999.99. The Mortality and Expense Risk Charge is reduced by 0.10% for the upcoming Contract quarter if the Contract Value is equal to or greater than $1,000,000. The Contract Value is calculated on the later of the Issue Date or most recent Contract Quarterly Anniversary.

3

As a percentage of Fund assets.

4

As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit).

Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent]

0.45%

^[1]

Investment Options (of Average Annual Net Assets) Maximum [Percent]

1.93%

^[3]

Optional Benefits Maximum [Percent]

1.35%

^[4]

Optional Benefits Footnotes [Text Block]

As a percentage of the Protected Payment Base (for an optional living benefit) and average daily Variable Account Value (for an optional death benefit).

Lowest and Highest Annual Cost [Table Text Block]

Lowest Annual Cost: $457.97Highest Annual Cost: $3,316.04

Assumes:

●       Investment of $100,000

●       5% annual appreciation

Assumes:

●       Investment of $100,000

●       5% annual appreciation

●       Least expensive combination of base Contract and Fund fees and expenses

●       No optional benefits

●       No sales charges or advisory fees

●       No additional purchase payments, transfers, or withdrawals

●       Most expensive combination of base Contract, optional benefits, and Fund fees and expenses

●       No sales charges or advisory fees

●       No additional purchase payments, transfers, or withdrawals

Highest Annual Cost [Dollars]

$ 3,316.04

Item 4. Fee Table [Text Block]

For Contracts issued on and after September 2, 2025, the following ANNUAL CONTRACT EXPENSES – Base Contract Expenses section under FEE TABLES in the Prospectus will apply:

Base Contract Expenses (as a percentage of average daily Variable Account Value)¹

0.45%

¹As a percentage of the average daily Variable Account Value. This percentage includes the Mortality and Expense Risk Charge, the Administrative Fee, and the Investment Platform Fee. The Mortality and Expense Risk Charge percentage may decrease or increase based on your Contract Value. The Mortality and Expense Risk Charge, the Administrative Fee, and the Investment Platform Fee will stop at the Annuity Date if you select fixed annuity payments. See the Mortality and Expense Risk Charge and Administrative Fee sections for more information.

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

0.45%

^[5]

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

0.15%