We will credit gain or loss (i.e., positive or negative interest) at the end of the Segment Term to amounts allocated to an Index-Linked Segment Option based, in part, on the performance of the Index.

Index-Linked Option Overview, Investor Could Lose Money if Index Declines [Text Block]

You could lose a significant amount of money if the Index declines in value.

Index-Linked Option Overview, Guaranteed Minimum Limit on Index Losses [Text Block]

This means that there will always be an Index-Linked Segment Option that limits Index losses for a single Segment Term to a maximum of 90% (although your cumulative losses over multiple Segment Terms could be greater).

Item 3. Key Information [Line Items]

Fees and Expenses [Text Block]

FEES, EXPENSES AND ADJUSTMENTS

Location in Prospectus

Are There Charges or

Adjustments for Early

Withdrawals?

Yes.

Surrender Charges. If you take a withdrawal during the first six Contract Years, you may be assessed a Surrender Charge of up to 8% of the amount withdrawn. For example, if you invest $100,000 in the Contract and make an early withdrawal, you could pay a Surrender Charge of up to $8,000. This loss will be greater if there are also negative Bond Adjustments, negative Equity Adjustments, taxes or tax penalties.

Bond Adjustments and Equity Adjustments –

•Bond Adjustments. If you take a withdrawal or other Surrender from a Segment Option, we may apply a Bond Adjustment, which may be negative. In extreme circumstances, you could lose up to 100% of the amount Surrendered from an Index-Linked Segment Option due to a negative Bond Adjustment. For example, if you withdraw or otherwise Surrender $100,000 from an Index-Linked Segment Option, you could lose up to $100,000 of the Surrender proceeds. In other words, $100,000 would be removed from your Index-Linked Segment Option, but in the event of a negative Bond Adjustment, it is possible that you could receive $0. Bond Adjustments may apply to a withdrawal, death benefit payment or Annuitization, regardless of when it occurs, including a Segment End Date.

•Equity Adjustments. If all or a portion of Contract value is removed from an Index-Linked Segment Option prior to a Segment End Date, we will apply an Equity Adjustment, which may be negative. In extreme circumstances, you could lose up to 100% of your investment in an Index-Linked Segment Option due to a negative Equity Adjustment. For example, if you allocate $100,000 to an Index-Linked Segment Option with a 2-year Segment Term and take a withdrawal before the 2 years have ended, you could lose your $100,000 investment. An Equity Adjustment will apply to any withdrawal, death benefit, Annuitization or deduction of a GLWB Fee occurring on any day during a Segment Term other than the Segment Start Date or Segment End Date. An Equity Adjustment will also apply upon exercise of Segment Lock-In for an Index-Linked Segment Option.

•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.

4. FEE TABLE

7. FEES, CHARGES AND ADJUSTMENTS — Deferred Sales Load (“Surrender Charge”), Equity Adjustment, Bond Adjustment

10. INDEX-LINKED SEGMENT OPTION MECHANICS — Segment Interim Value

Are There Transaction

Charges?

No.

Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.

Not Applicable

Are There Ongoing Fees and Expenses?

Yes.

Under the Index-Linked Segment Options, there is an implicit ongoing fee to the extent that your participation in Index gains is limited by our use of a Cap Rate or Participation Rate. This means that your returns may be lower than the Index’s returns. In return for accepting a limit on Index gains, you will receive some protection from Index losses. This implicit ongoing fee is not reflected in the tables below.

The table below describes the fees and expenses that you may pay each year. Please refer to your Data Page for information about the specific fees you will pay each year.

4. FEE TABLE

7. FEES, CHARGES AND ADJUSTMENTS

Annual Fee

Minimum

Maximum

Base Contract

1.50%(1)

(1) As a percentage of the Secure Income Benefit Base. This is the current GLWB Fee. We reserve the right to increase the GLWB Fee for existing Contracts up to the maximum of 2.00%. If we increase the GLWB Fee for existing Contracts and you are eligible for a GLWB Step-Up, you will be charged the increased GLWB Fee. You may opt out of the GLWB Fee increase, but doing so will make you ineligible for future GLWB Step-Ups and the feature cannot be added back to the Contract. You may not terminate the GLWB prior to your 6th Contract Anniversary. If you terminate the GLWB, your Contract will not be subject to this fee in future Contract Years.

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning the Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add Surrender Charges, negative Bond Adjustments and negative Equity Adjustments that substantially increase costs.

Lowest Annual Cost:

$1,363.41

Highest Annual Cost:

$1,363.41

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

RISKS

Location in Prospectus

Is there a Risk of Loss from

Poor Performance?

Yes.

• You can lose money by investing in the Contract, including loss of principal and previous earnings.

• Under an Index-Linked Segment Option, the maximum amount of loss that you could experience from negative Index performance at the end of a Segment Term, after taking into account the minimum limits on Index loss currently provided under the Contract, would be: 90% loss for a 10% Buffer Rate; 80% loss for a 20% Buffer Rate; 10% loss for a 10% Floor Rate; or 0% loss for a 0% Floor Rate or 100% Buffer Rate.

• The limits on Index loss offered under the Contract may change from one Segment Term to the next; however, we will always offer an Index-Linked Segment Option with a 10% Buffer Rate. As such, there will always be an Index-Linked Segment Option that limits Index losses for a single Segment Term to a maximum of 90% (although your cumulative losses over multiple Segment Terms could be greater).

• As of May 18, 2026, we are no longer offering Floor Segment Options for new Segment Terms. We reserve the right to offer Floor Segment Options in the future. If we offer Floor Segment Options in the future, we do not guarantee that any such Segment Option will always be available, and we do not guarantee a minimum Floor Rate for any Floor Segment Option that we may offer in the future.

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

Is this a Short-Term Investment?

No.

• The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.

• The Contract’s tax deferral and long-term income features are generally more beneficial to investors with a long time horizon.

• Amounts withdrawn or otherwise Surrendered under the Contract may be subject to Surrender Charges, negative Bond Adjustments and taxes and tax penalties. In addition, for Index-Linked Segment Options, withdrawals, other Surrenders and GLWB Fee deductions before the Segment End Date may result in negative Equity Adjustments and loss of positive Index performance.

• Withdrawals and other Surrenders will reduce your Crediting Base in a Segment Option. Deductions for GLWB Fees also reduce the Crediting Base. Generally, prior to the Segment End Date, the Crediting Base for an Index-Linked Segment Option will be proportionately reduced, and the proportionate reduction could be greater than the amount Surrendered or deducted. Reductions to your Crediting Base will result in lower Segment Interim Values for the remainder of the Segment Term and less Segment Return (if any) on the Segment End Date.

• At the end of a Segment Term, Accumulated Value in the ended Segment Option will be reinvested, Transferred, withdrawn or Annuitized based on your instructions. In the absence of instructions, that amount will be re-invested in the same Segment Option for a new Segment Term (with the Cap Rate and Participation Rate or annual interest rate applicable to a new Segment Term). If the same Segment Option is no longer available, that amount will be automatically Transferred to the applicable default option.

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

oIf the ended Segment Option is an Index-Linked Segment Option, and that Index-Linked Segment Option is no longer available, the default option will be a 1-year Index-Linked Segment Option with the same Index and Buffer Rate or Floor Rate, if available (with the Cap Rate and Participation Rate applicable to a new Segment Term). If there is no such Segment Option available, the default option will be the Fixed Segment Option (with the annual interest rate applicable to a new Segment Term).

oIf the ended Segment Option is the Fixed Segment Option, and the Fixed Segment Option is no longer available, the default option will be the following Index-Linked Segment Option: (a) for Segment Terms ending before May 18, 2026, Point-to-Point, S&P 500® Price Return Index, Participation Rate and Cap Rate, 1-year Segment Term, 0% Floor, or (b) for Segment Terms ending on or after May 18, 2026, Point-to-Point, S&P 500® Price Return Index, Participation Rate and Cap Rate, 1-year Segment Term, 10% Buffer. Please note, as a result of this change in default option as of May 18, 2026, the designated default option will no longer provide complete protection from Index losses.

oWe reserve the right to change the default Segment Options in the future.

What are the Risks Associated with the Investment Options?

• An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Index-Linked Segment Options). Each investment option (including the Fixed Segment Option) has its own unique risks. You should review the available investment options before making an investment decision.

For Index-Linked Segment Options

• The Participation Rate and Cap Rate, as applicable, may limit positive Index returns (i.e., limited upside). This may result in you earning less than the Index return. For example:

oIf the Index Change is 5%, Participation Rate is 80% and Cap Rate is 10%, we would apply only 4% gain at the end of the Segment Term using the Participation Rate (i.e., 5% x 80% = 4%).

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

oIf the Index Change were instead 15%, we would not apply the Participation Rate, as that would result in gain (12%) exceeding the Cap Rate (10%). We would apply only 10% gain using the Cap Rate at the end of the Segment Term.

• The Buffer Rate or Floor Rate, as applicable, may limit your losses due to negative Index returns at the end of the Segment Term (e.g., limited protection in the case of market decline). Although your losses from negative Index returns may be limited, they may not be entirely prevented, and you could lose a significant amount of money. For example:

o If the Index Change is -25% and the Buffer Rate is 10%, we will apply a 15% loss (the amount of negative Index performance that exceeds the Buffer Rate) at the end of the Segment Term.

o If the Index Change is -25% and the Floor Rate is 10%, we will apply a 10% loss (the amount of negative Index performance up to the Floor Rate) at the end of the Segment Term.

• While an Index-Linked Segment Option with a 0% Floor Rate or 100% Buffer Rate provides complete protection from losses due to negative Index returns, like any other Index-Linked Segment Option, there may be losses due to Surrender Charges, negative Bond Adjustments, negative Equity Adjustments and taxes and tax penalties.

• While a Peak Buffer Segment Option provides for potential gain in the event of negative Index returns that do not exceed the Buffer Rate, a Peak Buffer Segment Option does not provide protection from losses for any negative Index returns in excess of the Buffer Rate.

•The limit on Index loss for an Index-Linked Segment Option applies only at the end of a Segment Term. Therefore, the limit on Index loss will not apply unless you hold your investment for the entire Segment Term. Also, the limit on Index loss is only for a single Segment Term. Over multiple Segment Terms, your cumulative losses may exceed the stated limit on Index losses for any single Segment Term.

• An Index-Linked Segment Option’s limit on Index loss provides no protection from negative Bond Adjustments or negative Equity Adjustments.

.• Each Index either (a) is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on securities composing the Index, or (b) deducts fees and costs when calculating Index performance. This will reduce the Index return (and consequently your investment in the Index-Linked Segment Option) and may cause the Index to underperform a direct investment in the securities composing the Index.

What are the Risks Related to the Insurance Company?

An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Fixed Segment Option and Index-Linked Segment Options), guarantees or benefits of the Contract are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available upon request by calling 1-800-852-4450.

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

RESTRICTIONS

Location in Prospectus

Are there Restrictions on the Investment Options?

Yes.

• There are significant limitations on Transfers of Accumulated Value among Segment Options.

o Transfers are permitted only on Segment End Dates.

o Transfers to the Fixed Segment Option cannot result in your Accumulated Value in the Fixed Segment Option being more than the greater of (a) 50% of your total Accumulated Value or (b) your Secure Income Benefit Payment for the current Contract Year.

o Transfers are not permitted into an Index-Linked Segment Option while there is an ongoing Segment Term for that Segment Option.

•There are restrictions that limit the Segment Options you may choose.

oIndex-Linked Segment Options with a 6-year Segment Term are available for investment only upon purchase of the Contract and after the sixth Contract Year.

oCertain Index-Linked Segment Options have been closed to investment.

oWe reserve the right to add and remove Segment Options as available investment options. We guarantee that the following Segment Option will be available (subject to our right of Index substitution) for the life of the Contract: Point-to-Point, S&P 500® Price Return Index, Participation Rate and Cap Rate, 1-year Segment Term, 10% Buffer.

8. PURCHASING THE CONTRACT — How to Buy a Contract

9. FIXED SEGMENT OPTION MECHANICS

10. INDEX- LINKED SEGMENT OPTION MECHANICS

11. OPTIONS AT END OF SEGMENT TERM

13. BENEFITS AVAILABLE UNDER THE CONTRACT

APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

APPENDIX C: STATE VARIATIONS

APPENDIX F: FINANCIAL INTERMEDIARY VARIATIONS

•If we exercise our right to remove one or more Segment Options, and you do not wish to invest in any of the Segment Options that are made available for investment (which may be limited to the sole Index-Linked Segment Option that we guarantee to make available), your only option would be to take a full withdrawal or fully annuitize your Contract, which may cause you to incur Surrender Charges, a negative Bond Adjustment, a negative Equity Adjustment, taxes and tax penalties.

• Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed to not change, either during a Segment Term or for future Segment Terms.

• We may change the limits on Index gains from one Segment Term to the next. The lowest Cap Rate and Participation Rate that may be established under the Contract are 0.50% and 5.00%, respectively.

• We reserve the right to substitute the Index for an Index- Linked Segment Option during its Segment Term.

• The Contract is a single premium product. Additional premium payments will not be accepted.

•Depending on your state, or your financial professional or your financial professional's firm, certain Segment Options may not be available.

Are there any Restrictions on

Contract Benefits?

Yes.

• There are restrictions and limitations relating to benefits offered under the Contract (e.g., death benefit, GLWB, Segment Lock-In).

• Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.

• For the Secure Income Protector (GLWB):

o The Contract is issued with the GLWB. You cannot voluntarily terminate the GLWB until your 6th Contract Anniversary.

o The applicable Initial Secure Income Percentages and Secure Income Deferral Credit percentages are stated in the Rate Sheet Supplement in effect when you sign your Contract application.

o If the Covered Life (or oldest Covered Life, if applicable) is not at least age 59½ on the Contract Date, Secure Income Withdrawals are not available until the Covered Life (or oldest Annuitant, if applicable) attains age 59½.

o Excess Withdrawals may affect the availability of the GLWB by reducing the benefit by an amount greater than the value withdrawn, and could terminate the benefit and the Contract.

• Withdrawals will reduce the death benefit, perhaps by more than the amount withdrawn.

•Depending on your state, or your financial professional or your financial professional's firm, certain benefits may not be available or may be available on different terms.

10. INDEX- LINKED SEGMENT OPTION MECHANICS – Segment Lock-In

13. BENEFITS AVAILABLE UNDER THE CONTRACT

14. SECURE INCOME PROTECTOR (GLWB)

15. DEATH BENEFIT

APPENDIX C: STATE VARIATIONS

APPENDIX F: FINANCIAL INTERMEDIARY VARIATIONS

TAXES

Location in Prospectus

What are the Contract’s Tax Implications?

• You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.

• If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit from the Contract.

• Withdrawals will be subject to ordinary income tax. You also may have to pay a 10% penalty tax if you take a withdrawal before age 59½.

18. TAXES

CONFLICTS OF INTEREST

Location in

Prospectus

How are Investment Professionals Compensated?

Your investment professional may receive compensation for selling the Contract to you in the form of commissions, other cash compensation (e.g., bonuses) and non-cash compensation. Your investment professional may have a financial incentive to offer or recommend the Contract to you over another investment.

8. PURCHASING THE CONTRACT — Distribution of the Contract

Should I Exchange My Contract?

Some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange your existing contract if you determine, after comparing the features, fees and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable for you to purchase the new contract rather than continue to own your existing contract.

8. PURCHASING THE CONTRACT — Distribution of the Contract

Charges for Early Withdrawals [Text Block]

Yes.

Bond Adjustments and Equity Adjustments –

•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.

Surrender Charge Phaseout Period, Years | yr

Surrender Charge (of Amount Surrendered) Maximum [Percent]

8.00%

Surrender Charge Example Maximum [Dollars]

$ 8,000

Transaction Charges [Text Block]

No.

Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.

Ongoing Fees and Expenses [Table Text Block]

FEES, EXPENSES AND ADJUSTMENTS

Location in Prospectus

Are There Charges or

Adjustments for Early

Withdrawals?

Yes.

Bond Adjustments and Equity Adjustments –

•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.

4. FEE TABLE

7. FEES, CHARGES AND ADJUSTMENTS — Deferred Sales Load (“Surrender Charge”), Equity Adjustment, Bond Adjustment

10. INDEX-LINKED SEGMENT OPTION MECHANICS — Segment Interim Value

Are There Transaction

Charges?

No.

Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.

Not Applicable

Are There Ongoing Fees and Expenses?

Yes.

The table below describes the fees and expenses that you may pay each year. Please refer to your Data Page for information about the specific fees you will pay each year.

4. FEE TABLE

7. FEES, CHARGES AND ADJUSTMENTS

Annual Fee

Minimum

Maximum

Base Contract

1.50%(1)

Lowest Annual Cost:

$1,363.41

Highest Annual Cost:

$1,363.41

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

RISKS

Location in Prospectus

Is there a Risk of Loss from

Poor Performance?

Yes.

• You can lose money by investing in the Contract, including loss of principal and previous earnings.

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

Is this a Short-Term Investment?

No.

• The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.

• The Contract’s tax deferral and long-term income features are generally more beneficial to investors with a long time horizon.

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

oWe reserve the right to change the default Segment Options in the future.

What are the Risks Associated with the Investment Options?

For Index-Linked Segment Options

• The Participation Rate and Cap Rate, as applicable, may limit positive Index returns (i.e., limited upside). This may result in you earning less than the Index return. For example:

oIf the Index Change is 5%, Participation Rate is 80% and Cap Rate is 10%, we would apply only 4% gain at the end of the Segment Term using the Participation Rate (i.e., 5% x 80% = 4%).

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

o If the Index Change is -25% and the Buffer Rate is 10%, we will apply a 15% loss (the amount of negative Index performance that exceeds the Buffer Rate) at the end of the Segment Term.

o If the Index Change is -25% and the Floor Rate is 10%, we will apply a 10% loss (the amount of negative Index performance up to the Floor Rate) at the end of the Segment Term.

• An Index-Linked Segment Option’s limit on Index loss provides no protection from negative Bond Adjustments or negative Equity Adjustments.

What are the Risks Related to the Insurance Company?

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

RESTRICTIONS

Location in Prospectus

Are there Restrictions on the Investment Options?

Yes.

• There are significant limitations on Transfers of Accumulated Value among Segment Options.

o Transfers are permitted only on Segment End Dates.

o Transfers are not permitted into an Index-Linked Segment Option while there is an ongoing Segment Term for that Segment Option.

•There are restrictions that limit the Segment Options you may choose.

oIndex-Linked Segment Options with a 6-year Segment Term are available for investment only upon purchase of the Contract and after the sixth Contract Year.

oCertain Index-Linked Segment Options have been closed to investment.

8. PURCHASING THE CONTRACT — How to Buy a Contract

9. FIXED SEGMENT OPTION MECHANICS

10. INDEX- LINKED SEGMENT OPTION MECHANICS

11. OPTIONS AT END OF SEGMENT TERM

13. BENEFITS AVAILABLE UNDER THE CONTRACT

APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

APPENDIX C: STATE VARIATIONS

APPENDIX F: FINANCIAL INTERMEDIARY VARIATIONS

• Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed to not change, either during a Segment Term or for future Segment Terms.

• We may change the limits on Index gains from one Segment Term to the next. The lowest Cap Rate and Participation Rate that may be established under the Contract are 0.50% and 5.00%, respectively.

• We reserve the right to substitute the Index for an Index- Linked Segment Option during its Segment Term.

• The Contract is a single premium product. Additional premium payments will not be accepted.

•Depending on your state, or your financial professional or your financial professional's firm, certain Segment Options may not be available.

Are there any Restrictions on

Contract Benefits?

Yes.

• There are restrictions and limitations relating to benefits offered under the Contract (e.g., death benefit, GLWB, Segment Lock-In).

• Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.

• For the Secure Income Protector (GLWB):

o The Contract is issued with the GLWB. You cannot voluntarily terminate the GLWB until your 6th Contract Anniversary.

o The applicable Initial Secure Income Percentages and Secure Income Deferral Credit percentages are stated in the Rate Sheet Supplement in effect when you sign your Contract application.

o Excess Withdrawals may affect the availability of the GLWB by reducing the benefit by an amount greater than the value withdrawn, and could terminate the benefit and the Contract.

• Withdrawals will reduce the death benefit, perhaps by more than the amount withdrawn.

•Depending on your state, or your financial professional or your financial professional's firm, certain benefits may not be available or may be available on different terms.

10. INDEX- LINKED SEGMENT OPTION MECHANICS – Segment Lock-In

13. BENEFITS AVAILABLE UNDER THE CONTRACT

14. SECURE INCOME PROTECTOR (GLWB)

15. DEATH BENEFIT

APPENDIX C: STATE VARIATIONS

APPENDIX F: FINANCIAL INTERMEDIARY VARIATIONS

TAXES

Location in Prospectus

What are the Contract’s Tax Implications?

• You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.

• If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit from the Contract.

• Withdrawals will be subject to ordinary income tax. You also may have to pay a 10% penalty tax if you take a withdrawal before age 59½.

18. TAXES

CONFLICTS OF INTEREST

Location in

Prospectus

How are Investment Professionals Compensated?

8. PURCHASING THE CONTRACT — Distribution of the Contract

Should I Exchange My Contract?

8. PURCHASING THE CONTRACT — Distribution of the Contract

Base Contract (of Other Amount) (N-4) Minimum [Percent]

1.50%

Investment Options (of Other Amount) Maximum [Percent]

1.50%

Base Contract (N-4) Footnotes [Text Block]

Index-Linked Option, Implicit Ongoing Fees [Text Block]

Under the Index-Linked Segment Options, there is an implicit ongoing fee to the extent that your participation in Index gains is limited by our use of a Cap Rate or Participation Rate.

Index-Linked Option, Implicit Ongoing Fees Return may be Lower than the Index Return [Text Block]

This means that your returns may be lower than the Index’s returns.

Index-Linked Option, Implicit Ongoing Fees Provide Some Protection from Index Losses [Text Block]

In return for accepting a limit on Index gains, you will receive some protection from Index losses.

Index-Linked Option, Implicit Ongoing Fees Not Reflected [Text Block]

This implicit ongoing fee is not reflected in the tables below.

Lowest and Highest Annual Cost [Table Text Block]

FEES, EXPENSES AND ADJUSTMENTS

Location in Prospectus

Are There Charges or

Adjustments for Early

Withdrawals?

Yes.

Bond Adjustments and Equity Adjustments –

•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.

4. FEE TABLE

7. FEES, CHARGES AND ADJUSTMENTS — Deferred Sales Load (“Surrender Charge”), Equity Adjustment, Bond Adjustment

10. INDEX-LINKED SEGMENT OPTION MECHANICS — Segment Interim Value

Are There Transaction

Charges?

No.

Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.

Not Applicable

Are There Ongoing Fees and Expenses?

Yes.

The table below describes the fees and expenses that you may pay each year. Please refer to your Data Page for information about the specific fees you will pay each year.

4. FEE TABLE

7. FEES, CHARGES AND ADJUSTMENTS

Annual Fee

Minimum

Maximum

Base Contract

1.50%(1)

Lowest Annual Cost:

$1,363.41

Highest Annual Cost:

$1,363.41

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

RISKS

Location in Prospectus

Is there a Risk of Loss from

Poor Performance?

Yes.

• You can lose money by investing in the Contract, including loss of principal and previous earnings.

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

Is this a Short-Term Investment?

No.

• The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.

• The Contract’s tax deferral and long-term income features are generally more beneficial to investors with a long time horizon.

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

oWe reserve the right to change the default Segment Options in the future.

What are the Risks Associated with the Investment Options?

For Index-Linked Segment Options

• The Participation Rate and Cap Rate, as applicable, may limit positive Index returns (i.e., limited upside). This may result in you earning less than the Index return. For example:

oIf the Index Change is 5%, Participation Rate is 80% and Cap Rate is 10%, we would apply only 4% gain at the end of the Segment Term using the Participation Rate (i.e., 5% x 80% = 4%).

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

o If the Index Change is -25% and the Buffer Rate is 10%, we will apply a 15% loss (the amount of negative Index performance that exceeds the Buffer Rate) at the end of the Segment Term.

o If the Index Change is -25% and the Floor Rate is 10%, we will apply a 10% loss (the amount of negative Index performance up to the Floor Rate) at the end of the Segment Term.

• An Index-Linked Segment Option’s limit on Index loss provides no protection from negative Bond Adjustments or negative Equity Adjustments.

What are the Risks Related to the Insurance Company?

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

RESTRICTIONS

Location in Prospectus

Are there Restrictions on the Investment Options?

Yes.

• There are significant limitations on Transfers of Accumulated Value among Segment Options.

o Transfers are permitted only on Segment End Dates.

o Transfers are not permitted into an Index-Linked Segment Option while there is an ongoing Segment Term for that Segment Option.

•There are restrictions that limit the Segment Options you may choose.

oIndex-Linked Segment Options with a 6-year Segment Term are available for investment only upon purchase of the Contract and after the sixth Contract Year.

oCertain Index-Linked Segment Options have been closed to investment.

8. PURCHASING THE CONTRACT — How to Buy a Contract

9. FIXED SEGMENT OPTION MECHANICS

10. INDEX- LINKED SEGMENT OPTION MECHANICS

11. OPTIONS AT END OF SEGMENT TERM

13. BENEFITS AVAILABLE UNDER THE CONTRACT

APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

APPENDIX C: STATE VARIATIONS

APPENDIX F: FINANCIAL INTERMEDIARY VARIATIONS

• Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed to not change, either during a Segment Term or for future Segment Terms.

• We may change the limits on Index gains from one Segment Term to the next. The lowest Cap Rate and Participation Rate that may be established under the Contract are 0.50% and 5.00%, respectively.

• We reserve the right to substitute the Index for an Index- Linked Segment Option during its Segment Term.

• The Contract is a single premium product. Additional premium payments will not be accepted.

•Depending on your state, or your financial professional or your financial professional's firm, certain Segment Options may not be available.

Are there any Restrictions on

Contract Benefits?

Yes.

• There are restrictions and limitations relating to benefits offered under the Contract (e.g., death benefit, GLWB, Segment Lock-In).

• Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.

• For the Secure Income Protector (GLWB):

o The Contract is issued with the GLWB. You cannot voluntarily terminate the GLWB until your 6th Contract Anniversary.

o The applicable Initial Secure Income Percentages and Secure Income Deferral Credit percentages are stated in the Rate Sheet Supplement in effect when you sign your Contract application.

o Excess Withdrawals may affect the availability of the GLWB by reducing the benefit by an amount greater than the value withdrawn, and could terminate the benefit and the Contract.

• Withdrawals will reduce the death benefit, perhaps by more than the amount withdrawn.

•Depending on your state, or your financial professional or your financial professional's firm, certain benefits may not be available or may be available on different terms.

10. INDEX- LINKED SEGMENT OPTION MECHANICS – Segment Lock-In

13. BENEFITS AVAILABLE UNDER THE CONTRACT

14. SECURE INCOME PROTECTOR (GLWB)

15. DEATH BENEFIT

APPENDIX C: STATE VARIATIONS

APPENDIX F: FINANCIAL INTERMEDIARY VARIATIONS

TAXES

Location in Prospectus

What are the Contract’s Tax Implications?

• You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.

• If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit from the Contract.

• Withdrawals will be subject to ordinary income tax. You also may have to pay a 10% penalty tax if you take a withdrawal before age 59½.

18. TAXES

CONFLICTS OF INTEREST

Location in

Prospectus

How are Investment Professionals Compensated?

8. PURCHASING THE CONTRACT — Distribution of the Contract

Should I Exchange My Contract?

8. PURCHASING THE CONTRACT — Distribution of the Contract

Lowest Annual Cost [Dollars]

$ 1,363.41

Highest Annual Cost [Dollars]

$ 1,363.41

Lowest Annual Cost Footnotes [Text Block]

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

Highest Annual Cost Footnotes [Text Block]

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

Risks [Table Text Block]

FEES, EXPENSES AND ADJUSTMENTS

Location in Prospectus

Are There Charges or

Adjustments for Early

Withdrawals?

Yes.

Bond Adjustments and Equity Adjustments –

•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.

4. FEE TABLE

7. FEES, CHARGES AND ADJUSTMENTS — Deferred Sales Load (“Surrender Charge”), Equity Adjustment, Bond Adjustment

10. INDEX-LINKED SEGMENT OPTION MECHANICS — Segment Interim Value

Are There Transaction

Charges?

No.

Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.

Not Applicable

Are There Ongoing Fees and Expenses?

Yes.

The table below describes the fees and expenses that you may pay each year. Please refer to your Data Page for information about the specific fees you will pay each year.

4. FEE TABLE

7. FEES, CHARGES AND ADJUSTMENTS

Annual Fee

Minimum

Maximum

Base Contract

1.50%(1)

Lowest Annual Cost:

$1,363.41

Highest Annual Cost:

$1,363.41

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

Assumes:

• Investment of

$100,000

• 5% annual appreciation

• Current GLWB Fee

• No sales charges

• No Transfers or withdrawals

• 0% Equity Adjustments for interim GLWB Fee deductions

RISKS

Location in Prospectus

Is there a Risk of Loss from

Poor Performance?

Yes.

• You can lose money by investing in the Contract, including loss of principal and previous earnings.

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

Is this a Short-Term Investment?

No.

• The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.

• The Contract’s tax deferral and long-term income features are generally more beneficial to investors with a long time horizon.

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

oWe reserve the right to change the default Segment Options in the future.

What are the Risks Associated with the Investment Options?

For Index-Linked Segment Options

• The Participation Rate and Cap Rate, as applicable, may limit positive Index returns (i.e., limited upside). This may result in you earning less than the Index return. For example:

oIf the Index Change is 5%, Participation Rate is 80% and Cap Rate is 10%, we would apply only 4% gain at the end of the Segment Term using the Participation Rate (i.e., 5% x 80% = 4%).

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

o If the Index Change is -25% and the Buffer Rate is 10%, we will apply a 15% loss (the amount of negative Index performance that exceeds the Buffer Rate) at the end of the Segment Term.

o If the Index Change is -25% and the Floor Rate is 10%, we will apply a 10% loss (the amount of negative Index performance up to the Floor Rate) at the end of the Segment Term.

• An Index-Linked Segment Option’s limit on Index loss provides no protection from negative Bond Adjustments or negative Equity Adjustments.

What are the Risks Related to the Insurance Company?

5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

RESTRICTIONS

Location in Prospectus

Are there Restrictions on the Investment Options?

Yes.

• There are significant limitations on Transfers of Accumulated Value among Segment Options.

o Transfers are permitted only on Segment End Dates.

o Transfers are not permitted into an Index-Linked Segment Option while there is an ongoing Segment Term for that Segment Option.

•There are restrictions that limit the Segment Options you may choose.

oIndex-Linked Segment Options with a 6-year Segment Term are available for investment only upon purchase of the Contract and after the sixth Contract Year.

oCertain Index-Linked Segment Options have been closed to investment.

8. PURCHASING THE CONTRACT — How to Buy a Contract

9. FIXED SEGMENT OPTION MECHANICS

10. INDEX- LINKED SEGMENT OPTION MECHANICS

11. OPTIONS AT END OF SEGMENT TERM

13. BENEFITS AVAILABLE UNDER THE CONTRACT

APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

APPENDIX C: STATE VARIATIONS

APPENDIX F: FINANCIAL INTERMEDIARY VARIATIONS

• Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed to not change, either during a Segment Term or for future Segment Terms.

• We may change the limits on Index gains from one Segment Term to the next. The lowest Cap Rate and Participation Rate that may be established under the Contract are 0.50% and 5.00%, respectively.

• We reserve the right to substitute the Index for an Index- Linked Segment Option during its Segment Term.

• The Contract is a single premium product. Additional premium payments will not be accepted.

•Depending on your state, or your financial professional or your financial professional's firm, certain Segment Options may not be available.

Are there any Restrictions on

Contract Benefits?

Yes.

• There are restrictions and limitations relating to benefits offered under the Contract (e.g., death benefit, GLWB, Segment Lock-In).

• Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.

• For the Secure Income Protector (GLWB):

o The Contract is issued with the GLWB. You cannot voluntarily terminate the GLWB until your 6th Contract Anniversary.

o The applicable Initial Secure Income Percentages and Secure Income Deferral Credit percentages are stated in the Rate Sheet Supplement in effect when you sign your Contract application.

o Excess Withdrawals may affect the availability of the GLWB by reducing the benefit by an amount greater than the value withdrawn, and could terminate the benefit and the Contract.

• Withdrawals will reduce the death benefit, perhaps by more than the amount withdrawn.

•Depending on your state, or your financial professional or your financial professional's firm, certain benefits may not be available or may be available on different terms.

10. INDEX- LINKED SEGMENT OPTION MECHANICS – Segment Lock-In

13. BENEFITS AVAILABLE UNDER THE CONTRACT

14. SECURE INCOME PROTECTOR (GLWB)

15. DEATH BENEFIT

APPENDIX C: STATE VARIATIONS

APPENDIX F: FINANCIAL INTERMEDIARY VARIATIONS

TAXES

Location in Prospectus

What are the Contract’s Tax Implications?

• You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.

• If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit from the Contract.

• Withdrawals will be subject to ordinary income tax. You also may have to pay a 10% penalty tax if you take a withdrawal before age 59½.

18. TAXES

CONFLICTS OF INTEREST

Location in

Prospectus

How are Investment Professionals Compensated?

8. PURCHASING THE CONTRACT — Distribution of the Contract

Should I Exchange My Contract?

8. PURCHASING THE CONTRACT — Distribution of the Contract

Index-Linked Option Key Information, Maximum Loss Resulting from Negative Index Performance, Risk [Percent]

90.00%

Index-Linked Option Key Information, Highest Maximum Loss Resulting from Negative Index Performance, Risk [Percent]

90.00%

Index-Linked Option Key Information, Minimum Limit on Index Losses, Risk [Percent]

10.00%

Index-Linked Option Key Information, Lowest Maximum Loss Resulting from Negative Index Performance, Risk [Percent]

80.00%

Index-Linked Option Key Information, No Guaranteed Limit on Index Losses May Lose Entire Investment, Risk [Text Block]

You can lose money by investing in the Contract, including loss of principal and previous earnings.

Key Information, Contract Adjustment Risk [Text Block]

Amounts withdrawn or otherwise Surrendered under the Contract may be subject to Surrender Charges, negative Bond Adjustments and taxes and tax penalties. In addition, for Index-Linked Segment Options, withdrawals, other Surrenders and GLWB Fee deductions before the Segment End Date may result in negative Equity Adjustments and loss of positive Index performance.

Key Information, Reallocation Risk [Text Block]

Withdrawals and other Surrenders will reduce your Crediting Base in a Segment Option. Deductions for GLWB Fees also reduce the Crediting Base. Generally, prior to the Segment End Date, the Crediting Base for an Index-Linked Segment Option will be proportionately reduced, and the proportionate reduction could be greater than the amount Surrendered or deducted. Reductions to your Crediting Base will result in lower Segment Interim Values for the remainder of the Segment Term and less Segment Return (if any) on the Segment End Date.

Key Information, Default Reallocation Risk [Text Block]

At the end of a Segment Term, Accumulated Value in the ended Segment Option will be reinvested, Transferred, withdrawn or Annuitized based on your instructions. In the absence of instructions, that amount will be re-invested in the same Segment Option for a new Segment Term (with the Cap Rate and Participation Rate or annual interest rate applicable to a new Segment Term). If the same Segment Option is no longer available, that amount will be automatically Transferred to the applicable default option.If the ended Segment Option is an Index-Linked Segment Option, and that Index-Linked Segment Option is no longer available, the default option will be a 1-year Index-Linked Segment Option with the same Index and Buffer Rate or Floor Rate, if available (with the Cap Rate and Participation Rate applicable to a new Segment Term). If there is no such Segment Option available, the default option will be the Fixed Segment Option (with the annual interest rate applicable to a new Segment Term).If the ended Segment Option is the Fixed Segment Option, and the Fixed Segment Option is no longer available, the default option will be the following Index-Linked Segment Option: (a) for Segment Terms ending before May 18, 2026, Point-to-Point, S&P 500® Price Return Index, Participation Rate and Cap Rate, 1-year Segment Term, 0% Floor, or (b) for Segment Terms ending on or after May 18, 2026, Point-to-Point, S&P 500® Price Return Index, Participation Rate and Cap Rate, 1-year Segment Term, 10% Buffer. Please note, as a result of this change in default option as of May 18, 2026, the designated default option will no longer provide complete protection from Index losses.We reserve the right to change the default Segment Options in the future.

Index-Linked Option Key Information, Price Return Index Includes Costs, Risk [Text Block]

Each Index either (a) is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on securities composing the Index, or (b) deducts fees and costs when calculating Index performance.

Index-Linked Option Key Information, Price Return Index Underperforms Direct Investments, Risk [Text Block]

This will reduce the Index return (and consequently your investment in the Index-Linked Segment Option) and may cause the Index to underperform a direct investment in the securities composing the Index.

Investment Restrictions [Text Block]