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0000009712 pso:SPMidCap400PriceReturnIndexU.S.MidCapEquities6Year20Buffer0.50CapRate5.00ParticipationRateMember vip:CapRateReturnLimitMember 2026-05-01 2026-05-01 0000009712 pso:SPMidCap400PriceReturnIndexU.S.MidCapEquities6Year20Buffer0.50CapRate5.00ParticipationRateMember vip:ParticipationRateReturnLimitMember 2026-05-01 2026-05-01 0000009712 pso:FixedSegmentOptionMember 2026-05-01 2026-05-01 utr:Y pure iso4217:USD N-4 PRINCIPAL LIFE INSURANCE CO 0000009712 N-4 2026-04-29 false 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. 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 daily charges for the optional Annual Step-Up Death Benefit 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. S&P 500 Price Return Index 0.0954 0.1942 -0.0624 0.2888 0.1626 0.2689 -0.1944 0.2423 0.2331 0.1639 0.0500 0.0500 0.0000 0.0500 0.0500 0.0500 -0.0944 0.0500 0.0500 0.0500 Russell 2000 Price Return Index 0.1948 0.1314 -0.1218 0.2372 0.1836 0.1370 -0.2156 0.1509 0.1002 0.1129 0.0500 0.0500 -0.0218 0.0500 0.0500 0.0500 -0.1156 0.0500 0.0500 0.0500 MSCI EAFE Price Return Index -0.0188 0.2178 -0.1614 0.1844 0.0543 0.0878 -0.1679 0.1503 0.0115 0.2789 0.0000 0.0500 -0.0614 0.0500 0.0500 0.0500 -0.0679 0.0500 0.0115 0.0500 Nasdaq-100 Price Return Index 0.0589 0.3152 -0.0104 0.3796 0.4758 0.2663 -0.3297 0.5381 0.2488 0.2017 0.0500 0.0500 0.0000 0.0500 0.0500 0.0500 -0.2297 0.0500 0.0500 0.0500 SG Smart Climate Index 0.1002 0.0744 0.0497 0.0500 0.0500 0.0497 Depending on the Index-Linked Segment Option(s) you choose, the maximum amount of loss that you could experience from negative Index performance after taking into account the current limits on Index loss provided under the Contract ranges from 0% to 100%. Depending on the Index-Linked Segment Option(s) you choose, the maximum amount of loss that you could experience from negative Index performance after taking into account the current limits on Index loss provided under the Contract ranges from 0% to 100%. We may limit the amount you can earn on an Index-Linked Segment Option based on the Cap Rate or Participation Rate that we declare. We may limit the amount you can earn on an Index-Linked Segment Option based on the Cap Rate or Participation Rate that we declare. 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. You could lose a significant amount of money if the Index declines in value. Each Index-Linked Segment Option has a buffer or floor feature. Each Index-Linked Segment Option has a buffer or floor feature. For a Buffer Segment Option, the Company will absorb Index losses up to the Buffer Rate. You will be responsible for any Index losses greater than the Buffer Rate. For example, if the Index Change is -25% and the Buffer Rate is 10%, we will apply a 15% loss (the amount of negative Index Change that exceeds the Buffer Rate) at the end of the Segment Term.<div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt"> Note: A 0% Buffer Rate will provide no protection from Index losses. For example, if the Index Change is -25% and the Buffer Rate is 0%, we will apply a 25% loss (the amount of the negative Index Change) at the end of the Segment Term. If instead the Index Change were -100%, we would apply a 100% loss, meaning you would lose your entire investment in that Segment Option due to negative Index performance.</div> For a Floor Segment Option, the Company will absorb Index losses greater than the Floor Rate. You will be responsible for any Index losses up to the Floor Rate. For example, if the Index Change is -25% and the Floor Rate is 10%, we will apply a 10% loss (the amount of negative Index Change up to the Floor Rate) at the end of the Segment Term. For a Peak Buffer Segment Option, same as a Buffer Segment Option, you will be responsible for any Index losses greater than the Buffer Rate. For example, if the Index Change is -30% and the Buffer Rate is 20%, we will apply a 10% loss (the amount of negative Index Change that exceeds the Buffer Rate) at the end of the Segment Term. However, unlike a Buffer Segment Option, a Peak Buffer Segment Option has an inverse crediting feature that provides for potential gain in the event of a negative Index Change, provided that the negative Index Change does not exceed the Buffer Rate. In that scenario, the amount of gain is based on the negative Index Change, Buffer Rate and Peak Buffer Midpoint, as follows:<div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt">•If the negative Index Change does not exceed the Peak Buffer Midpoint (10%), we would apply a gain equal to the opposite of the Index Change. For example, if the Index Change is -8%, we would apply an 8% gain at the end of the Segment Term (i.e., the opposite of an 8% loss).</div><div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt">•If the negative Index Change exceeds the Peak Buffer Midpoint (10%) but not the Buffer Rate, we would apply a gain equal to the Buffer Rate less the negative Index Change. For example, assuming a Buffer Rate of 20%, if the Index Change is -14%, we would apply a 6% gain at the end of the Segment Term (i.e., 20% – 14% = 6%).</div><div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt">•If the negative Index Change equals the Buffer Rate, your Segment Credit will be 0% (i.e., no gain or loss).</div> We reserve the right to add and remove Segment Options as available investment options. 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). In exchange for a specified amount of protection against Index losses, we may limit Index gains at the end of a Segment Term. In exchange for a specified amount of protection against Index losses, we may limit Index gains at the end of a Segment Term. We calculate Index gains using a Participation Rate and Cap Rate. The Participation Rate is the percentage of positive Index performance in which you can participate for a Segment Term. The Cap Rate serves as a maximum amount of gain you can earn due to positive Index performance at the end of a Segment Term.For each Index-Linked Segment Option other than those with a 0% Buffer Rate, if the Index Change is positive, the gain applied on the Segment End Date will equal the Index Change multiplied by the Participation Rate, subject to the Cap Rate. We calculate Index gains using a Participation Rate and Cap Rate. The Participation Rate is the percentage of positive Index performance in which you can participate for a Segment Term. The Cap Rate serves as a maximum amount of gain you can earn due to positive Index performance at the end of a Segment Term.For each Index-Linked Segment Option other than those with a 0% Buffer Rate, if the Index Change is positive, the gain applied on the Segment End Date will equal the Index Change multiplied by the Participation Rate, subject to the Cap Rate. The Participation Rate and Cap Rate operate together as follows:<div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt">•If the Participation Rate is less than 100%, it will decrease your participation in the positive Index performance. For example: if the Index Change is 5%, the Participation Rate is 80% and the Cap Rate is 10%, we would apply a 4% gain using the Participation Rate (i.e., 5% x 80% = 4%). If the Index Change were instead 15%, we would apply a 10% gain, because a gain using the Participation Rate (12%) would exceed the Cap Rate (10%).</div><div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt">•If the Participation Rate is greater than 100%, it will increase your participation in the positive Index performance. For example: If the Index Change is 5%, the Participation Rate is 120% and the Cap Rate is 10%, we would apply a 6% gain using the Participation Rate (i.e., 5% x 120% = 6%). If the Index Change were instead 15%, we would apply a 10% gain, because a gain using the Participation Rate (18%) would exceed the Cap Rate (10%).</div><div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt">•If the Participation Rate is 100%, it will neither decrease nor increase your participation in the positive Index performance. For example: if the Index Change is 5%, the Participation Rate is 100% and the Cap Rate is 10%, we would apply a 5% gain using the Participation Rate (i.e., 5% x 100% = 5%). If the Index Change were instead 15%, we would apply a 10% gain, because a gain using the Participation Rate (15%) would exceed the Cap Rate (10%).</div> The Participation Rate and Cap Rate operate together as follows:<div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt">•If the Participation Rate is less than 100%, it will decrease your participation in the positive Index performance. For example: if the Index Change is 5%, the Participation Rate is 80% and the Cap Rate is 10%, we would apply a 4% gain using the Participation Rate (i.e., 5% x 80% = 4%). If the Index Change were instead 15%, we would apply a 10% gain, because a gain using the Participation Rate (12%) would exceed the Cap Rate (10%).</div><div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt">•If the Participation Rate is greater than 100%, it will increase your participation in the positive Index performance. For example: If the Index Change is 5%, the Participation Rate is 120% and the Cap Rate is 10%, we would apply a 6% gain using the Participation Rate (i.e., 5% x 120% = 6%). If the Index Change were instead 15%, we would apply a 10% gain, because a gain using the Participation Rate (18%) would exceed the Cap Rate (10%).</div><div style="margin-top:8.25pt;padding-left:79.45pt;text-indent:-18pt">•If the Participation Rate is 100%, it will neither decrease nor increase your participation in the positive Index performance. For example: if the Index Change is 5%, the Participation Rate is 100% and the Cap Rate is 10%, we would apply a 5% gain using the Participation Rate (i.e., 5% x 100% = 5%). If the Index Change were instead 15%, we would apply a 10% gain, because a gain using the Participation Rate (15%) would exceed the Cap Rate (10%).</div> <div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center"> </div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">FEES, EXPENSES AND ADJUSTMENTS</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Are There Charges or</div><div style="padding-left:0.02pt;padding-right:8.67pt">Adjustments for Early</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Withdrawals?</div></td><td colspan="9" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:8.52pt;padding-right:2.72pt">Yes.</div><div style="margin-top:6.15pt;padding-left:8.67pt;padding-right:2.92pt">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.</div><div style="margin-top:6.15pt;padding-left:8.52pt;padding-right:2.72pt">Bond Adjustments and Equity Adjustments –</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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.</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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 daily charges for the optional Annual Step-Up Death Benefit 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.</div><div style="margin-bottom:1pt;margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-20pt">•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">4. FEE TABLE</div><div style="margin-top:5.9pt;padding-left:0.02pt;padding-right:2.17pt">7. FEES, CHARGES AND ADJUSTMENTS — Deferred Sales Load (“Surrender Charge”), Equity Adjustment, Bond Adjustment</div><div style="margin-bottom:1pt;margin-top:6.15pt;padding-left:0.02pt;padding-right:0.02pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS — Segment Interim Value</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:17.92pt">Are There Transaction</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Charges?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">No.</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:2.92pt">Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Not Applicable</div></td></tr><tr style="height:180pt"><td colspan="3" rowspan="7" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Are There Ongoing Fees and Expenses?</div></td><td colspan="9" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.47pt;padding-right:4.77pt">Yes.</div><div style="margin-top:6pt;padding-left:4.47pt;padding-right:5.07pt">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. </div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:2.92pt">The table below describes the fees and expenses that you may pay each year, depending on whether you choose the optional benefit. Please refer to your Data Page for information about the specific fees you will pay each year based on the options you have elected.</div></td><td colspan="3" rowspan="7" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">4. FEE TABLE</div><div style="margin-bottom:1pt;margin-top:5.95pt;padding-left:0.02pt;padding-right:0.02pt">7. FEES, CHARGES AND ADJUSTMENTS</div></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Annual Fee</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.27pt;padding-right:4.27pt;text-align:center">Minimum</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Maximum</div></td></tr><tr style="height:57pt"><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Optional benefit available for an additional charge </div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">(for a single optional benefit, if elected)</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.99pt;padding-right:3.99pt;text-align:center">0.30%(1)</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #231f20;border-right:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">0.95%(2)</div></td></tr><tr style="height:107pt"><td colspan="9" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:18.17pt;padding-right:17.32pt;text-indent:-9.5pt">(1)Current charge for the Annual Step-Up Death Benefit. As an annualized percentage of Highest Accumulated Value. For the first Contract Year, as of a percentage of the Purchase Payment, adjusted for any partial Surrenders.</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:18.17pt;padding-right:17.32pt;text-indent:-9.5pt">(2)Current charge for the Rate Enhancement Rider. As an annualized percentage of the Crediting Base on the Segment Term Start Date for each Index-Linked Segment Option, adjusted for any partial Surrenders from Segment Interim Value. </div></td></tr><tr style="height:98pt"><td colspan="9" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:4.52pt;padding-right:2.72pt">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 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.</div></td></tr><tr style="height:29pt"><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Lowest Annual Cost:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">$0.00</div></td><td colspan="6" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Highest Annual Cost:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">$1,178.96</div></td></tr><tr style="height:125pt"><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No optional benefits</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div></td><td colspan="6" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:7.97pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:6.62pt;padding-right:0.02pt;text-indent:-6.6pt">• Annual Step-Up Death Benefit (0% Equity Adjustments for interim rider charge deductions) </div><div style="padding-left:0.02pt;padding-right:0.02pt">• Rate Enhancement Rider</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-left:3.59pt;padding-right:3.59pt;text-align:center">RISKS</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-right:-3.7pt;text-align:center">Location in Prospectus</div></td></tr><tr><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:3.22pt;padding-right:0.02pt">Is there a Risk of Loss from</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Poor Performance?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">Yes. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•You can lose money by investing in the Contract, including loss of principal and previous earnings.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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: 100% loss for a 0% Buffer Rate; 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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).</div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:18.77pt;padding-right:9.02pt;text-indent:-10.1pt">•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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Is this a Short-Term Investment?</div></td><td colspan="9" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">No. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract’s tax deferral and long-term income features are generally more beneficial to investors with a long time horizon.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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 and other Surrenders before the Segment End Date may result in negative Equity Adjustments and loss of positive Index performance.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals and other Surrenders will reduce your Crediting Base in a Segment Option. 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. 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:3pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">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). </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:4.37pt;padding-right:9.02pt"> </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;padding:0 1pt 0 4.22pt"></td><td colspan="9" style="border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">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. </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">oWe reserve the right to change the default Segment Options in the future.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:0 1pt 0 5.57pt"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Risks Associated with the Investment Options?</div></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:3pt;margin-top:1.65pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:8.52pt;padding-right:0.02pt">For Index-Linked Segment Options</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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%).</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•A 0% Buffer Rate will provide no protection from losses due to negative Index returns (i.e., no protection in the case of market decline).</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•An Index-Linked Segment Option's limit on Index loss provides no protection from negative Bond Adjustments or negative Equity Adjustments.</div><div style="margin-bottom:1pt;padding-left:18.77pt;padding-right:0.02pt;text-indent:-10.1pt">•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. </div></td><td colspan="3" style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Risks Related to the Insurance Company?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">RESTRICTIONS</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-0.43pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Are there Restrictions on the Investment Options?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:4.27pt">Yes. </div><div style="margin-top:4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are significant limitations on Transfers of Accumulated Value among Segment Options. </div><div style="margin-top:4pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are permitted only on Segment End Dates.</div><div style="margin-top:4.05pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are not permitted into an Index-Linked Segment Option while there is an ongoing Segment Term for that Segment Option.</div><div style="margin-top:4.05pt;padding-left:18.92pt;padding-right:9.02pt;text-indent:-9pt">•There are restrictions that limit the Segment Options you may choose.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">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.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options are available only if the optional Rate Enhancement Rider has been elected. </div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options have been closed to investment.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We 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. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed not to change, either during a Segment Term or for future Segment Terms.</div><div style="margin-top:5.15pt;padding-right:9.02pt;text-indent:8pt"> </div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:0.02pt">8. PURCHASING THE CONTRACT — How to Buy a Contract</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">9. FIXED SEGMENT OPTION MECHANICS</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:7.42pt">11. OPTIONS AT END OF SEGMENT TERM</div><div style="margin-top:2.15pt;padding-left:4.52pt;padding-right:0.02pt">13. BENEFITS AVAILABLE UNDER THE CONTRACT</div><div style="margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT</div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX C: STATE VARIATIONS </div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•For each Index-Linked Segment Option with a 0% Buffer Rate, there is no Cap Rate limitation on Index gains, and the lowest Participation Rate that may be established is 100%.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We reserve the right to substitute the Index for an Index- Linked Segment Option during its Segment Term. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is a single premium product. Additional premium payments will not be accepted.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Depending on your state, or your financial professional or your financial professional's firm, certain Segment Options may not be available.</div></td><td colspan="3" 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;padding:0 1pt"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:3.07pt;padding-right:0.02pt">Are there any Restrictions on</div><div style="margin-bottom:1pt;padding-left:2.92pt;padding-right:8.67pt">Contract Benefits?</div></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.67pt;padding-right:17.37pt">Yes. </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are restrictions and limitations relating to benefits offered under the Contract (e.g., death benefit, Segment Lock-In). </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals will reduce the death benefit, perhaps by more than the amount withdrawn.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Annual Step-Up Death Benefit, each day that the daily rider charge is deducted from the Segment Interim Value of an Index-Linked Segment Option (i.e., every day between the Segment Start Date and the Segment End Date), an Equity Adjustment will apply, which may be negative. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Rate Enhancement Rider:</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oYour Participation Rates and/or Cap Rates will be higher than the standard rates we declare, but there is no guaranteed minimum increase to the standard rates.</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oDaily rider charges are deducted from the Crediting Base(s) for your Index-Linked Segment Option(s). This will not trigger Bond Adjustments or Equity Adjustments. However, the reductions will reduce your Crediting Base(s).</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•Reductions to your Crediting Base as a result of rider charges will result in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of the Segment Term.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:2.17pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS – Segment Lock-In</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">13. BENEFITS AVAILABLE UNDER THE CONTRACT</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">14. RATE ENHANCEMENT RIDER</div><div style="margin-top:2.15pt;padding-left:4.52pt;padding-right:0.02pt">15. DEATH BENEFIT</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX C: STATE VARIATIONS</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS</div></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">TAXES</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.25pt solid #000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-0.43pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Contract’s Tax Implications?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:18.52pt;padding-right:4.87pt;text-indent:-10pt">•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.</div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit from the Contract.</div><div style="margin-bottom:1pt;margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">18. TAXES </div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">CONFLICTS OF INTEREST</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-2.68pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">How are Investment Professionals Compensated?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">8. PURCHASING THE CONTRACT — Distribution of the Contract </div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Should I Exchange My Contract?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">8. PURCHASING THE CONTRACT — Distribution of the Contract </div></td></tr></table></div> <div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center"> </div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">FEES, EXPENSES AND ADJUSTMENTS</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Are There Charges or</div><div style="padding-left:0.02pt;padding-right:8.67pt">Adjustments for Early</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Withdrawals?</div></td><td colspan="9" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:8.52pt;padding-right:2.72pt">Yes.</div><div style="margin-top:6.15pt;padding-left:8.67pt;padding-right:2.92pt">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.</div><div style="margin-top:6.15pt;padding-left:8.52pt;padding-right:2.72pt">Bond Adjustments and Equity Adjustments –</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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.</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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 daily charges for the optional Annual Step-Up Death Benefit 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.</div><div style="margin-bottom:1pt;margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-20pt">•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">4. FEE TABLE</div><div style="margin-top:5.9pt;padding-left:0.02pt;padding-right:2.17pt">7. FEES, CHARGES AND ADJUSTMENTS — Deferred Sales Load (“Surrender Charge”), Equity Adjustment, Bond Adjustment</div><div style="margin-bottom:1pt;margin-top:6.15pt;padding-left:0.02pt;padding-right:0.02pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS — Segment Interim Value</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:17.92pt">Are There Transaction</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Charges?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">No.</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:2.92pt">Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Not Applicable</div></td></tr><tr style="height:180pt"><td colspan="3" rowspan="7" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Are There Ongoing Fees and Expenses?</div></td><td colspan="9" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.47pt;padding-right:4.77pt">Yes.</div><div style="margin-top:6pt;padding-left:4.47pt;padding-right:5.07pt">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. </div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:2.92pt">The table below describes the fees and expenses that you may pay each year, depending on whether you choose the optional benefit. Please refer to your Data Page for information about the specific fees you will pay each year based on the options you have elected.</div></td><td colspan="3" rowspan="7" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">4. FEE TABLE</div><div style="margin-bottom:1pt;margin-top:5.95pt;padding-left:0.02pt;padding-right:0.02pt">7. FEES, CHARGES AND ADJUSTMENTS</div></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Annual Fee</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.27pt;padding-right:4.27pt;text-align:center">Minimum</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Maximum</div></td></tr><tr style="height:57pt"><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Optional benefit available for an additional charge </div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">(for a single optional benefit, if elected)</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.99pt;padding-right:3.99pt;text-align:center">0.30%(1)</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #231f20;border-right:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">0.95%(2)</div></td></tr><tr style="height:107pt"><td colspan="9" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:18.17pt;padding-right:17.32pt;text-indent:-9.5pt">(1)Current charge for the Annual Step-Up Death Benefit. As an annualized percentage of Highest Accumulated Value. For the first Contract Year, as of a percentage of the Purchase Payment, adjusted for any partial Surrenders.</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:18.17pt;padding-right:17.32pt;text-indent:-9.5pt">(2)Current charge for the Rate Enhancement Rider. As an annualized percentage of the Crediting Base on the Segment Term Start Date for each Index-Linked Segment Option, adjusted for any partial Surrenders from Segment Interim Value. </div></td></tr><tr style="height:98pt"><td colspan="9" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:4.52pt;padding-right:2.72pt">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 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.</div></td></tr><tr style="height:29pt"><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Lowest Annual Cost:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">$0.00</div></td><td colspan="6" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Highest Annual Cost:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">$1,178.96</div></td></tr><tr style="height:125pt"><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No optional benefits</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div></td><td colspan="6" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:7.97pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:6.62pt;padding-right:0.02pt;text-indent:-6.6pt">• Annual Step-Up Death Benefit (0% Equity Adjustments for interim rider charge deductions) </div><div style="padding-left:0.02pt;padding-right:0.02pt">• Rate Enhancement Rider</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-left:3.59pt;padding-right:3.59pt;text-align:center">RISKS</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-right:-3.7pt;text-align:center">Location in Prospectus</div></td></tr><tr><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:3.22pt;padding-right:0.02pt">Is there a Risk of Loss from</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Poor Performance?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">Yes. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•You can lose money by investing in the Contract, including loss of principal and previous earnings.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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: 100% loss for a 0% Buffer Rate; 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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).</div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:18.77pt;padding-right:9.02pt;text-indent:-10.1pt">•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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Is this a Short-Term Investment?</div></td><td colspan="9" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">No. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract’s tax deferral and long-term income features are generally more beneficial to investors with a long time horizon.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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 and other Surrenders before the Segment End Date may result in negative Equity Adjustments and loss of positive Index performance.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals and other Surrenders will reduce your Crediting Base in a Segment Option. 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. 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:3pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">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). </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:4.37pt;padding-right:9.02pt"> </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;padding:0 1pt 0 4.22pt"></td><td colspan="9" style="border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">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. </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">oWe reserve the right to change the default Segment Options in the future.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:0 1pt 0 5.57pt"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Risks Associated with the Investment Options?</div></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:3pt;margin-top:1.65pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:8.52pt;padding-right:0.02pt">For Index-Linked Segment Options</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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%).</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•A 0% Buffer Rate will provide no protection from losses due to negative Index returns (i.e., no protection in the case of market decline).</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•An Index-Linked Segment Option's limit on Index loss provides no protection from negative Bond Adjustments or negative Equity Adjustments.</div><div style="margin-bottom:1pt;padding-left:18.77pt;padding-right:0.02pt;text-indent:-10.1pt">•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. </div></td><td colspan="3" style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Risks Related to the Insurance Company?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">RESTRICTIONS</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-0.43pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Are there Restrictions on the Investment Options?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:4.27pt">Yes. </div><div style="margin-top:4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are significant limitations on Transfers of Accumulated Value among Segment Options. </div><div style="margin-top:4pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are permitted only on Segment End Dates.</div><div style="margin-top:4.05pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are not permitted into an Index-Linked Segment Option while there is an ongoing Segment Term for that Segment Option.</div><div style="margin-top:4.05pt;padding-left:18.92pt;padding-right:9.02pt;text-indent:-9pt">•There are restrictions that limit the Segment Options you may choose.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">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.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options are available only if the optional Rate Enhancement Rider has been elected. </div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options have been closed to investment.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We 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. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed not to change, either during a Segment Term or for future Segment Terms.</div><div style="margin-top:5.15pt;padding-right:9.02pt;text-indent:8pt"> </div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:0.02pt">8. PURCHASING THE CONTRACT — How to Buy a Contract</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">9. FIXED SEGMENT OPTION MECHANICS</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:7.42pt">11. OPTIONS AT END OF SEGMENT TERM</div><div style="margin-top:2.15pt;padding-left:4.52pt;padding-right:0.02pt">13. BENEFITS AVAILABLE UNDER THE CONTRACT</div><div style="margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT</div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX C: STATE VARIATIONS </div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•For each Index-Linked Segment Option with a 0% Buffer Rate, there is no Cap Rate limitation on Index gains, and the lowest Participation Rate that may be established is 100%.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We reserve the right to substitute the Index for an Index- Linked Segment Option during its Segment Term. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is a single premium product. Additional premium payments will not be accepted.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Depending on your state, or your financial professional or your financial professional's firm, certain Segment Options may not be available.</div></td><td colspan="3" 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;padding:0 1pt"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:3.07pt;padding-right:0.02pt">Are there any Restrictions on</div><div style="margin-bottom:1pt;padding-left:2.92pt;padding-right:8.67pt">Contract Benefits?</div></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.67pt;padding-right:17.37pt">Yes. </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are restrictions and limitations relating to benefits offered under the Contract (e.g., death benefit, Segment Lock-In). </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals will reduce the death benefit, perhaps by more than the amount withdrawn.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Annual Step-Up Death Benefit, each day that the daily rider charge is deducted from the Segment Interim Value of an Index-Linked Segment Option (i.e., every day between the Segment Start Date and the Segment End Date), an Equity Adjustment will apply, which may be negative. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Rate Enhancement Rider:</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oYour Participation Rates and/or Cap Rates will be higher than the standard rates we declare, but there is no guaranteed minimum increase to the standard rates.</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oDaily rider charges are deducted from the Crediting Base(s) for your Index-Linked Segment Option(s). This will not trigger Bond Adjustments or Equity Adjustments. However, the reductions will reduce your Crediting Base(s).</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•Reductions to your Crediting Base as a result of rider charges will result in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of the Segment Term.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:2.17pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS – Segment Lock-In</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">13. BENEFITS AVAILABLE UNDER THE CONTRACT</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">14. RATE ENHANCEMENT RIDER</div><div style="margin-top:2.15pt;padding-left:4.52pt;padding-right:0.02pt">15. DEATH BENEFIT</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX C: STATE VARIATIONS</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS</div></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">TAXES</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.25pt solid #000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-0.43pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Contract’s Tax Implications?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:18.52pt;padding-right:4.87pt;text-indent:-10pt">•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.</div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit from the Contract.</div><div style="margin-bottom:1pt;margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">18. TAXES </div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">CONFLICTS OF INTEREST</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-2.68pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">How are Investment Professionals Compensated?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">8. PURCHASING THE CONTRACT — Distribution of the Contract </div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Should I Exchange My Contract?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">8. PURCHASING THE CONTRACT — Distribution of the Contract </div></td></tr></table></div> <div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center"> </div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">FEES, EXPENSES AND ADJUSTMENTS</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Are There Charges or</div><div style="padding-left:0.02pt;padding-right:8.67pt">Adjustments for Early</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Withdrawals?</div></td><td colspan="9" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:8.52pt;padding-right:2.72pt">Yes.</div><div style="margin-top:6.15pt;padding-left:8.67pt;padding-right:2.92pt">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.</div><div style="margin-top:6.15pt;padding-left:8.52pt;padding-right:2.72pt">Bond Adjustments and Equity Adjustments –</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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.</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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 daily charges for the optional Annual Step-Up Death Benefit 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.</div><div style="margin-bottom:1pt;margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-20pt">•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">4. FEE TABLE</div><div style="margin-top:5.9pt;padding-left:0.02pt;padding-right:2.17pt">7. FEES, CHARGES AND ADJUSTMENTS — Deferred Sales Load (“Surrender Charge”), Equity Adjustment, Bond Adjustment</div><div style="margin-bottom:1pt;margin-top:6.15pt;padding-left:0.02pt;padding-right:0.02pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS — Segment Interim Value</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:17.92pt">Are There Transaction</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Charges?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">No.</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:2.92pt">Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Not Applicable</div></td></tr><tr style="height:180pt"><td colspan="3" rowspan="7" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Are There Ongoing Fees and Expenses?</div></td><td colspan="9" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.47pt;padding-right:4.77pt">Yes.</div><div style="margin-top:6pt;padding-left:4.47pt;padding-right:5.07pt">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. </div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:2.92pt">The table below describes the fees and expenses that you may pay each year, depending on whether you choose the optional benefit. Please refer to your Data Page for information about the specific fees you will pay each year based on the options you have elected.</div></td><td colspan="3" rowspan="7" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">4. FEE TABLE</div><div style="margin-bottom:1pt;margin-top:5.95pt;padding-left:0.02pt;padding-right:0.02pt">7. FEES, CHARGES AND ADJUSTMENTS</div></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Annual Fee</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.27pt;padding-right:4.27pt;text-align:center">Minimum</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Maximum</div></td></tr><tr style="height:57pt"><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Optional benefit available for an additional charge </div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">(for a single optional benefit, if elected)</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.99pt;padding-right:3.99pt;text-align:center">0.30%(1)</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #231f20;border-right:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">0.95%(2)</div></td></tr><tr style="height:107pt"><td colspan="9" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:18.17pt;padding-right:17.32pt;text-indent:-9.5pt">(1)Current charge for the Annual Step-Up Death Benefit. As an annualized percentage of Highest Accumulated Value. For the first Contract Year, as of a percentage of the Purchase Payment, adjusted for any partial Surrenders.</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:18.17pt;padding-right:17.32pt;text-indent:-9.5pt">(2)Current charge for the Rate Enhancement Rider. As an annualized percentage of the Crediting Base on the Segment Term Start Date for each Index-Linked Segment Option, adjusted for any partial Surrenders from Segment Interim Value. </div></td></tr><tr style="height:98pt"><td colspan="9" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:4.52pt;padding-right:2.72pt">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 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.</div></td></tr><tr style="height:29pt"><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Lowest Annual Cost:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">$0.00</div></td><td colspan="6" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Highest Annual Cost:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">$1,178.96</div></td></tr><tr style="height:125pt"><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No optional benefits</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div></td><td colspan="6" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:7.97pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:6.62pt;padding-right:0.02pt;text-indent:-6.6pt">• Annual Step-Up Death Benefit (0% Equity Adjustments for interim rider charge deductions) </div><div style="padding-left:0.02pt;padding-right:0.02pt">• Rate Enhancement Rider</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-left:3.59pt;padding-right:3.59pt;text-align:center">RISKS</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-right:-3.7pt;text-align:center">Location in Prospectus</div></td></tr><tr><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:3.22pt;padding-right:0.02pt">Is there a Risk of Loss from</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Poor Performance?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">Yes. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•You can lose money by investing in the Contract, including loss of principal and previous earnings.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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: 100% loss for a 0% Buffer Rate; 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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).</div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:18.77pt;padding-right:9.02pt;text-indent:-10.1pt">•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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Is this a Short-Term Investment?</div></td><td colspan="9" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">No. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract’s tax deferral and long-term income features are generally more beneficial to investors with a long time horizon.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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 and other Surrenders before the Segment End Date may result in negative Equity Adjustments and loss of positive Index performance.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals and other Surrenders will reduce your Crediting Base in a Segment Option. 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. 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:3pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">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). </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:4.37pt;padding-right:9.02pt"> </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;padding:0 1pt 0 4.22pt"></td><td colspan="9" style="border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">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. </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">oWe reserve the right to change the default Segment Options in the future.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:0 1pt 0 5.57pt"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Risks Associated with the Investment Options?</div></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:3pt;margin-top:1.65pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:8.52pt;padding-right:0.02pt">For Index-Linked Segment Options</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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%).</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•A 0% Buffer Rate will provide no protection from losses due to negative Index returns (i.e., no protection in the case of market decline).</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•An Index-Linked Segment Option's limit on Index loss provides no protection from negative Bond Adjustments or negative Equity Adjustments.</div><div style="margin-bottom:1pt;padding-left:18.77pt;padding-right:0.02pt;text-indent:-10.1pt">•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. </div></td><td colspan="3" style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Risks Related to the Insurance Company?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">RESTRICTIONS</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-0.43pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Are there Restrictions on the Investment Options?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:4.27pt">Yes. </div><div style="margin-top:4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are significant limitations on Transfers of Accumulated Value among Segment Options. </div><div style="margin-top:4pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are permitted only on Segment End Dates.</div><div style="margin-top:4.05pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are not permitted into an Index-Linked Segment Option while there is an ongoing Segment Term for that Segment Option.</div><div style="margin-top:4.05pt;padding-left:18.92pt;padding-right:9.02pt;text-indent:-9pt">•There are restrictions that limit the Segment Options you may choose.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">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.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options are available only if the optional Rate Enhancement Rider has been elected. </div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options have been closed to investment.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We 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. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed not to change, either during a Segment Term or for future Segment Terms.</div><div style="margin-top:5.15pt;padding-right:9.02pt;text-indent:8pt"> </div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:0.02pt">8. PURCHASING THE CONTRACT — How to Buy a Contract</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">9. FIXED SEGMENT OPTION MECHANICS</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:7.42pt">11. OPTIONS AT END OF SEGMENT TERM</div><div style="margin-top:2.15pt;padding-left:4.52pt;padding-right:0.02pt">13. BENEFITS AVAILABLE UNDER THE CONTRACT</div><div style="margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT</div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX C: STATE VARIATIONS </div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•For each Index-Linked Segment Option with a 0% Buffer Rate, there is no Cap Rate limitation on Index gains, and the lowest Participation Rate that may be established is 100%.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We reserve the right to substitute the Index for an Index- Linked Segment Option during its Segment Term. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is a single premium product. Additional premium payments will not be accepted.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Depending on your state, or your financial professional or your financial professional's firm, certain Segment Options may not be available.</div></td><td colspan="3" 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;padding:0 1pt"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:3.07pt;padding-right:0.02pt">Are there any Restrictions on</div><div style="margin-bottom:1pt;padding-left:2.92pt;padding-right:8.67pt">Contract Benefits?</div></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.67pt;padding-right:17.37pt">Yes. </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are restrictions and limitations relating to benefits offered under the Contract (e.g., death benefit, Segment Lock-In). </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals will reduce the death benefit, perhaps by more than the amount withdrawn.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Annual Step-Up Death Benefit, each day that the daily rider charge is deducted from the Segment Interim Value of an Index-Linked Segment Option (i.e., every day between the Segment Start Date and the Segment End Date), an Equity Adjustment will apply, which may be negative. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Rate Enhancement Rider:</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oYour Participation Rates and/or Cap Rates will be higher than the standard rates we declare, but there is no guaranteed minimum increase to the standard rates.</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oDaily rider charges are deducted from the Crediting Base(s) for your Index-Linked Segment Option(s). This will not trigger Bond Adjustments or Equity Adjustments. However, the reductions will reduce your Crediting Base(s).</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•Reductions to your Crediting Base as a result of rider charges will result in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of the Segment Term.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:2.17pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS – Segment Lock-In</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">13. BENEFITS AVAILABLE UNDER THE CONTRACT</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">14. RATE ENHANCEMENT RIDER</div><div style="margin-top:2.15pt;padding-left:4.52pt;padding-right:0.02pt">15. DEATH BENEFIT</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX C: STATE VARIATIONS</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS</div></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">TAXES</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.25pt solid #000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-0.43pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Contract’s Tax Implications?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:18.52pt;padding-right:4.87pt;text-indent:-10pt">•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.</div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit from the Contract.</div><div style="margin-bottom:1pt;margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">18. TAXES </div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">CONFLICTS OF INTEREST</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-2.68pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">How are Investment Professionals Compensated?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">8. PURCHASING THE CONTRACT — Distribution of the Contract </div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Should I Exchange My Contract?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">8. PURCHASING THE CONTRACT — Distribution of the Contract </div></td></tr></table></div> <div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center"> </div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">FEES, EXPENSES AND ADJUSTMENTS</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Are There Charges or</div><div style="padding-left:0.02pt;padding-right:8.67pt">Adjustments for Early</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Withdrawals?</div></td><td colspan="9" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:8.52pt;padding-right:2.72pt">Yes.</div><div style="margin-top:6.15pt;padding-left:8.67pt;padding-right:2.92pt">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.</div><div style="margin-top:6.15pt;padding-left:8.52pt;padding-right:2.72pt">Bond Adjustments and Equity Adjustments –</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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.</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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 daily charges for the optional Annual Step-Up Death Benefit 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.</div><div style="margin-bottom:1pt;margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-20pt">•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">4. FEE TABLE</div><div style="margin-top:5.9pt;padding-left:0.02pt;padding-right:2.17pt">7. FEES, CHARGES AND ADJUSTMENTS — Deferred Sales Load (“Surrender Charge”), Equity Adjustment, Bond Adjustment</div><div style="margin-bottom:1pt;margin-top:6.15pt;padding-left:0.02pt;padding-right:0.02pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS — Segment Interim Value</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:17.92pt">Are There Transaction</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:8.42pt">Charges?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">No.</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:2.92pt">Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Not Applicable</div></td></tr><tr style="height:180pt"><td colspan="3" rowspan="7" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Are There Ongoing Fees and Expenses?</div></td><td colspan="9" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.47pt;padding-right:4.77pt">Yes.</div><div style="margin-top:6pt;padding-left:4.47pt;padding-right:5.07pt">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. </div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:2.92pt">The table below describes the fees and expenses that you may pay each year, depending on whether you choose the optional benefit. Please refer to your Data Page for information about the specific fees you will pay each year based on the options you have elected.</div></td><td colspan="3" rowspan="7" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">4. FEE TABLE</div><div style="margin-bottom:1pt;margin-top:5.95pt;padding-left:0.02pt;padding-right:0.02pt">7. FEES, CHARGES AND ADJUSTMENTS</div></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Annual Fee</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.27pt;padding-right:4.27pt;text-align:center">Minimum</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Maximum</div></td></tr><tr style="height:57pt"><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">Optional benefit available for an additional charge </div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.52pt;padding-right:0.02pt">(for a single optional benefit, if elected)</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.99pt;padding-right:3.99pt;text-align:center">0.30%(1)</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #231f20;border-right:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">0.95%(2)</div></td></tr><tr style="height:107pt"><td colspan="9" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:18.17pt;padding-right:17.32pt;text-indent:-9.5pt">(1)Current charge for the Annual Step-Up Death Benefit. As an annualized percentage of Highest Accumulated Value. For the first Contract Year, as of a percentage of the Purchase Payment, adjusted for any partial Surrenders.</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:18.17pt;padding-right:17.32pt;text-indent:-9.5pt">(2)Current charge for the Rate Enhancement Rider. As an annualized percentage of the Crediting Base on the Segment Term Start Date for each Index-Linked Segment Option, adjusted for any partial Surrenders from Segment Interim Value. </div></td></tr><tr style="height:98pt"><td colspan="9" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:4.52pt;padding-right:2.72pt">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 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.</div></td></tr><tr style="height:29pt"><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Lowest Annual Cost:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">$0.00</div></td><td colspan="6" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Highest Annual Cost:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:8.32pt;padding-right:8.32pt;text-align:center">$1,178.96</div></td></tr><tr style="height:125pt"><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No optional benefits</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div></td><td colspan="6" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:7.97pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:6.62pt;padding-right:0.02pt;text-indent:-6.6pt">• Annual Step-Up Death Benefit (0% Equity Adjustments for interim rider charge deductions) </div><div style="padding-left:0.02pt;padding-right:0.02pt">• Rate Enhancement Rider</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-left:3.59pt;padding-right:3.59pt;text-align:center">RISKS</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-right:-3.7pt;text-align:center">Location in Prospectus</div></td></tr><tr><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:3.22pt;padding-right:0.02pt">Is there a Risk of Loss from</div><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Poor Performance?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">Yes. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•You can lose money by investing in the Contract, including loss of principal and previous earnings.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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: 100% loss for a 0% Buffer Rate; 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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).</div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:18.77pt;padding-right:9.02pt;text-indent:-10.1pt">•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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Is this a Short-Term Investment?</div></td><td colspan="9" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">No. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract’s tax deferral and long-term income features are generally more beneficial to investors with a long time horizon.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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 and other Surrenders before the Segment End Date may result in negative Equity Adjustments and loss of positive Index performance.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals and other Surrenders will reduce your Crediting Base in a Segment Option. 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. 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:3pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">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). </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:4.37pt;padding-right:9.02pt"> </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;padding:0 1pt 0 4.22pt"></td><td colspan="9" style="border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">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. </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">oWe reserve the right to change the default Segment Options in the future.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:0 1pt 0 5.57pt"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Risks Associated with the Investment Options?</div></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:3pt;margin-top:1.65pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:8.52pt;padding-right:0.02pt">For Index-Linked Segment Options</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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%).</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•A 0% Buffer Rate will provide no protection from losses due to negative Index returns (i.e., no protection in the case of market decline).</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•An Index-Linked Segment Option's limit on Index loss provides no protection from negative Bond Adjustments or negative Equity Adjustments.</div><div style="margin-bottom:1pt;padding-left:18.77pt;padding-right:0.02pt;text-indent:-10.1pt">•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. </div></td><td colspan="3" style="border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Risks Related to the Insurance Company?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.57pt;padding-right:0.02pt">5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">RESTRICTIONS</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-0.43pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Are there Restrictions on the Investment Options?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:4.27pt">Yes. </div><div style="margin-top:4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are significant limitations on Transfers of Accumulated Value among Segment Options. </div><div style="margin-top:4pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are permitted only on Segment End Dates.</div><div style="margin-top:4.05pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are not permitted into an Index-Linked Segment Option while there is an ongoing Segment Term for that Segment Option.</div><div style="margin-top:4.05pt;padding-left:18.92pt;padding-right:9.02pt;text-indent:-9pt">•There are restrictions that limit the Segment Options you may choose.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">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.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options are available only if the optional Rate Enhancement Rider has been elected. </div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options have been closed to investment.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We 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. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed not to change, either during a Segment Term or for future Segment Terms.</div><div style="margin-top:5.15pt;padding-right:9.02pt;text-indent:8pt"> </div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:0.02pt">8. PURCHASING THE CONTRACT — How to Buy a Contract</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">9. FIXED SEGMENT OPTION MECHANICS</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:7.42pt">11. OPTIONS AT END OF SEGMENT TERM</div><div style="margin-top:2.15pt;padding-left:4.52pt;padding-right:0.02pt">13. BENEFITS AVAILABLE UNDER THE CONTRACT</div><div style="margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT</div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX C: STATE VARIATIONS </div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS</div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•For each Index-Linked Segment Option with a 0% Buffer Rate, there is no Cap Rate limitation on Index gains, and the lowest Participation Rate that may be established is 100%.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We reserve the right to substitute the Index for an Index- Linked Segment Option during its Segment Term. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is a single premium product. Additional premium payments will not be accepted.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Depending on your state, or your financial professional or your financial professional's firm, certain Segment Options may not be available.</div></td><td colspan="3" 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;padding:0 1pt"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:3.07pt;padding-right:0.02pt">Are there any Restrictions on</div><div style="margin-bottom:1pt;padding-left:2.92pt;padding-right:8.67pt">Contract Benefits?</div></td><td colspan="9" style="border-bottom:0.25pt solid #000;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:4.67pt;padding-right:17.37pt">Yes. </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are restrictions and limitations relating to benefits offered under the Contract (e.g., death benefit, Segment Lock-In). </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals will reduce the death benefit, perhaps by more than the amount withdrawn.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Annual Step-Up Death Benefit, each day that the daily rider charge is deducted from the Segment Interim Value of an Index-Linked Segment Option (i.e., every day between the Segment Start Date and the Segment End Date), an Equity Adjustment will apply, which may be negative. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Rate Enhancement Rider:</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oYour Participation Rates and/or Cap Rates will be higher than the standard rates we declare, but there is no guaranteed minimum increase to the standard rates.</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oDaily rider charges are deducted from the Crediting Base(s) for your Index-Linked Segment Option(s). This will not trigger Bond Adjustments or Equity Adjustments. However, the reductions will reduce your Crediting Base(s).</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•Reductions to your Crediting Base as a result of rider charges will result in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of the Segment Term.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:2.17pt">10. INDEX- LINKED SEGMENT OPTION MECHANICS – Segment Lock-In</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">13. BENEFITS AVAILABLE UNDER THE CONTRACT</div><div style="margin-bottom:6pt;padding-left:4.32pt;padding-right:0.02pt">14. RATE ENHANCEMENT RIDER</div><div style="margin-top:2.15pt;padding-left:4.52pt;padding-right:0.02pt">15. DEATH BENEFIT</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX C: STATE VARIATIONS</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:0.02pt">APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS</div></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">TAXES</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.25pt solid #000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-0.43pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">What are the Contract’s Tax Implications?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:18.52pt;padding-right:4.87pt;text-indent:-10pt">•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.</div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit from the Contract.</div><div style="margin-bottom:1pt;margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">18. TAXES </div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-right:0.02pt"> </div><div style="margin-bottom:1pt;padding-right:-1.3pt;text-align:center">CONFLICTS OF INTEREST</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-2.68pt;text-align:center;text-indent:-1.15pt">Location in Prospectus</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">How are Investment Professionals Compensated?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">8. PURCHASING THE CONTRACT — Distribution of the Contract </div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:8.42pt">Should I Exchange My Contract?</div></td><td colspan="9" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #000000;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:10.82pt">8. PURCHASING THE CONTRACT — Distribution of the Contract </div></td></tr></table></div> <div style="margin-top:1.65pt;padding-left:8.52pt;padding-right:2.72pt">Yes.</div><div style="margin-top:6.15pt;padding-left:8.67pt;padding-right:2.92pt">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.</div><div style="margin-top:6.15pt;padding-left:8.52pt;padding-right:2.72pt">Bond Adjustments and Equity Adjustments –</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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.</div><div style="margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-18pt">•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 daily charges for the optional Annual Step-Up Death Benefit 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.</div><div style="margin-bottom:1pt;margin-top:6.15pt;padding-left:26.97pt;padding-right:2.72pt;text-indent:-20pt">•Losses due to negative Bond or Equity Adjustments will be greater if you also have to pay a Surrender Charge, taxes or tax penalties.</div> 6 0.08 8000 If you take a withdrawal or other Surrender from a Segment Option, we may apply a Bond Adjustment, which may be negative. 1 100000 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. 1 100000 <div style="margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">No.</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:4.32pt;padding-right:2.92pt">Other than Surrender Charges, Bond Adjustments and Equity Adjustments, there are no other transaction charges under the Contract.</div> 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. 0.003 0.0095 <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:18.17pt;padding-right:17.32pt;text-indent:-9.5pt">(1)Current charge for the Annual Step-Up Death Benefit. As an annualized percentage of Highest Accumulated Value. For the first Contract Year, as of a percentage of the Purchase Payment, adjusted for any partial Surrenders.</div>(2)Current charge for the Rate Enhancement Rider. As an annualized percentage of the Crediting Base on the Segment Term Start Date for each Index-Linked Segment Option, adjusted for any partial Surrenders from Segment Interim Value. 0 1178.96 <div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No optional benefits</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div> <div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:7.97pt">Assumes:</div><div style="padding-left:0.02pt;padding-right:0.02pt">• Investment of $100,000 </div><div style="padding-left:0.02pt;padding-right:0.02pt">• 5% annual appreciation</div><div style="padding-left:6.62pt;padding-right:0.02pt;text-indent:-6.6pt">• Annual Step-Up Death Benefit (0% Equity Adjustments for interim rider charge deductions) </div><div style="padding-left:0.02pt;padding-right:0.02pt">• Rate Enhancement Rider</div><div style="padding-left:0.02pt;padding-right:0.02pt">• No sales charges</div><div style="margin-bottom:1pt;padding-left:0.02pt;padding-right:0.02pt">• No Transfers or withdrawals</div> <div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">Yes. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•You can lose money by investing in the Contract, including loss of principal and previous earnings.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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: 100% loss for a 0% Buffer Rate; 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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).</div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:18.77pt;padding-right:9.02pt;text-indent:-10.1pt">•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.</div> You can lose money by investing in the Contract, including loss of principal and previous earnings. 1 0.80 0.10 0.90 <div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:9.02pt">No. </div><div style="margin-top:1.4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract’s tax deferral and long-term income features are generally more beneficial to investors with a long time horizon.</div><div style="margin-top:3.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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 and other Surrenders before the Segment End Date may result in negative Equity Adjustments and loss of positive Index performance.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals and other Surrenders will reduce your Crediting Base in a Segment Option. 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. 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.</div><div style="margin-top:3pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:3pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">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). </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">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. </div><div style="margin-bottom:1pt;margin-top:3pt;padding-left:40.37pt;padding-right:9.02pt;text-indent:-10.1pt">oWe reserve the right to change the default Segment Options in the future.</div> 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 and other Surrenders 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. 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. 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.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. <div style="margin-bottom:3pt;margin-top:1.65pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:8.52pt;padding-right:0.02pt">For Index-Linked Segment Options</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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%).</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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:</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:40.47pt;padding-right:0.02pt;text-indent:-10pt">oIf 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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•A 0% Buffer Rate will provide no protection from losses due to negative Index returns (i.e., no protection in the case of market decline).</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•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.</div><div style="margin-bottom:3pt;padding-left:18.52pt;padding-right:0.02pt;text-indent:-10pt">•An Index-Linked Segment Option's limit on Index loss provides no protection from negative Bond Adjustments or negative Equity Adjustments.</div>•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. 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. 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:If 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%).If 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. For example:If 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%).If 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. 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: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. For example: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. 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. <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:2.92pt">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.</div> <div style="margin-top:1.65pt;padding-left:4.42pt;padding-right:4.27pt">Yes. </div><div style="margin-top:4pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are significant limitations on Transfers of Accumulated Value among Segment Options. </div><div style="margin-top:4pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are permitted only on Segment End Dates.</div><div style="margin-top:4.05pt;padding-left:40.47pt;padding-right:9.02pt;text-indent:-10pt">oTransfers are not permitted into an Index-Linked Segment Option while there is an ongoing Segment Term for that Segment Option.</div><div style="margin-top:4.05pt;padding-left:18.92pt;padding-right:9.02pt;text-indent:-9pt">•There are restrictions that limit the Segment Options you may choose.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">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.</div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options are available only if the optional Rate Enhancement Rider has been elected. </div><div style="margin-top:4.05pt;padding-left:41.07pt;padding-right:9.02pt;text-indent:-13.5pt">oCertain Index-Linked Segment Options have been closed to investment.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We 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. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed not to change, either during a Segment Term or for future Segment Terms.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•For each Index-Linked Segment Option with a 0% Buffer Rate, there is no Cap Rate limitation on Index gains, and the lowest Participation Rate that may be established is 100%.</div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•We reserve the right to substitute the Index for an Index- Linked Segment Option during its Segment Term. </div><div style="margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•The Contract is a single premium product. Additional premium payments will not be accepted.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Depending on your state, or your financial professional or your financial professional's firm, certain Segment Options may not be available.</div> <div style="margin-top:1.65pt;padding-left:4.67pt;padding-right:17.37pt">Yes. </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•There are restrictions and limitations relating to benefits offered under the Contract (e.g., death benefit, Segment Lock-In). </div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•Withdrawals will reduce the death benefit, perhaps by more than the amount withdrawn.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Annual Step-Up Death Benefit, each day that the daily rider charge is deducted from the Segment Interim Value of an Index-Linked Segment Option (i.e., every day between the Segment Start Date and the Segment End Date), an Equity Adjustment will apply, which may be negative. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted.</div><div style="margin-top:5.8pt;padding-left:17.97pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Rate Enhancement Rider:</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oYour Participation Rates and/or Cap Rates will be higher than the standard rates we declare, but there is no guaranteed minimum increase to the standard rates.</div><div style="margin-top:5.8pt;padding-left:38.47pt;padding-right:9.02pt;text-indent:-10pt">oDaily rider charges are deducted from the Crediting Base(s) for your Index-Linked Segment Option(s). This will not trigger Bond Adjustments or Equity Adjustments. However, the reductions will reduce your Crediting Base(s).</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•Reductions to your Crediting Base as a result of rider charges will result in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of the Segment Term.</div><div style="margin-bottom:1pt;margin-top:5.15pt;padding-left:18.02pt;padding-right:9.02pt;text-indent:-10pt">•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.</div> <div style="margin-top:1.65pt;padding-left:18.52pt;padding-right:4.87pt;text-indent:-10pt">•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.</div><div style="margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), there is no additional tax benefit from the Contract.</div><div style="margin-bottom:1pt;margin-top:6.05pt;padding-left:18.52pt;padding-right:9.02pt;text-indent:-10pt">•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.</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:4.32pt;padding-right:4.32pt">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.</div> FEE TABLE<div style="margin-top:8.45pt;text-indent:27pt">The following tables describe the fees, expenses and adjustments that you will pay when buying, owning and making withdrawals or other Surrenders from a Segment Option or from the Contract. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected.</div><div style="margin-top:8.8pt;text-indent:27pt">The first table describes the fees and expenses you will pay at the time that you buy the Contract, make withdrawals or other Surrenders from a Segment Option or from the Contract, or transfer Contract value between Segment Options. State premium taxes may also be deducted.</div><div style="margin-top:0.15pt;padding-left:50.5pt;text-indent:27pt"> </div><div style="margin-top:0.05pt">Transaction Expenses</div><div style="margin-top:8.45pt;text-indent:27pt">Surrender Charge(1)</div><div style="margin-top:0.45pt;text-indent:27pt">(as a percentage of the amount Surrendered) 8%</div><div style="margin-bottom:6pt;margin-top:5.85pt;padding-left:22.5pt;padding-right:74pt;text-indent:-22.5pt">(1)Surrender Charges apply to withdrawals during the first six Contract Years. The Surrender Charge declines during the first six Contract Years according to the following schedule:</div><div style="padding-left:54pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:82.707%"><tr><td style="width:1.0%"></td><td style="width:80.881%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.919%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-right:0.02pt">Contract Year</div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Surrender Charge (as a percentage of the amount Surrendered)</div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:0.02pt">1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">8%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">8%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">7%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">6%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">5%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">4%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">7+ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">0%</div></td></tr></table></div><div style="margin-top:8.95pt;padding-left:54pt;padding-right:49.1pt">The Free Surrender Amount for a Contract Year will be equal to the greater of (i) 10% of your Premium Payment or (ii) your RMD amount, as applicable. For Contracts with applications signed on or after May 1, 2025, the Free Surrender Amount may be withdrawn from the Contract without a Surrender Charge or a Bond Adjustment, but may be subject to Equity Adjustments and taxes and tax penalties. For Contracts with applications signed before May 1, 2025, the Free Surrender Amount may be withdrawn from the Contract without a Surrender Charge, but may be subject to Bond Adjustments, Equity Adjustments and taxes and tax penalties. </div><div style="padding-left:70.45pt;padding-right:49.1pt"> </div><div style="text-indent:27pt">The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Contract value is removed from a Segment Option or from the Contract before the expiration of a specified period.</div><div style="padding-left:50.5pt;padding-right:49.1pt"> </div><div>Adjustments </div><div style="margin-top:8.45pt;text-indent:27pt">Bond Adjustment Maximum Potential Loss(1)</div><div style="margin-top:0.45pt;text-indent:27pt">(as a percentage of the amount Surrendered from an Index-Linked Segment Option) 100%</div><div style="margin-top:3.5pt;text-indent:27pt">Equity Adjustment Maximum Potential Loss(2)</div><div style="margin-top:0.45pt;text-indent:27pt">(as a percentage of your investment in an Index-Linked Segment Option) 100%</div><div style="margin-top:6pt;text-indent:27pt">(1)For Contracts with applications signed on or after May 1, 2025: Except as otherwise provided below, a Bond Adjustment will apply to the following regardless of when it occurs (even a Segment End Date): (i) any withdrawal in excess of the Free Surrender Amount; (ii) any Annuitization; or (iii) any death benefit. Note: A Bond Adjustment does not apply to RMD withdrawals, as RMD withdrawals will be withdrawals of the Free Surrender Amount.</div><div style="margin-top:6.45pt;text-indent:27pt">For Contracts with applications signed before May 1, 2025: Except as otherwise provided below, a Bond Adjustment will apply to the following regardless of when it occurs (even a Segment End Date): (i) any withdrawal; (ii) any Annuitization; or (iii) any death benefit. Note: Bond Adjustments do apply to withdrawals of the Free Surrender Amount. </div><div style="margin-top:6.45pt;text-indent:27pt">For all Contracts: A Bond Adjustment does not apply to withdrawals or other Surrenders deducted from the Initial Holding Account. The Bond Adjustment will be 0% on every Segment Anniversary evenly divisible by 6 (e.g., 6, 12, 18, etc.). A Bond Adjustment does not apply upon exercise of the Contract’s free look rights. For the Fixed Segment Option, the maximum amount of loss due to a Bond Adjustment is subject to the Standard Nonforfeiture Law for Individual Deferred Annuities, which means the minimum amount available from the Fixed Segment Option will not be less than the minimum nonforfeiture amount under state law.</div><div style="margin-top:3.7pt;text-indent:27pt">(2)An Equity Adjustment will apply upon any withdrawal, Annuitization, death benefit, or deduction of daily charges for the optional Annual Step-Up Death Benefit from an Index-Linked Segment Option on any day between the Segment Start Date and the Segment End Date. An Equity Adjustment will also apply upon exercise of Segment Lock-In for an Index-Linked Segment Option.</div><div style="margin-top:7.8pt;text-indent:27pt">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract. If you choose to purchase the optional benefit, you will pay additional charges, as shown below.</div><div style="margin-top:3.45pt">Annual Contract Expenses </div><div style="margin-top:3.45pt">Optional Benefit Expenses </div><div style="margin-top:3.45pt;text-indent:27pt">Rate Enhancement Rider(1)</div><div style="margin-top:0.4pt;text-indent:27pt">(as an annualized percentage of each Index-Linked Segment Option Crediting Base) 0.95%</div><div style="margin-top:0.4pt;text-indent:27pt">Annual Step-Up Death Benefit(2)</div><div style="margin-top:0.4pt;padding-left:27pt">(as an annualized percentage of Highest Accumulated Value) 0.60%</div><div style="margin-bottom:10pt;margin-top:7.9pt;text-indent:27pt">(1) Applies to each Index-Linked Segment Option selected for investment, assessed as a percentage of the Crediting Base as of the Segment Term Start Date, adjusted for any partial Surrenders from Segment Interim Value. The charge is deducted daily from the Crediting Base(s). The Crediting Base is reduced by the dollar amount of the daily charge. The reduction is not proportionate, even when deducted prior to the Segment End Date. The deduction will not trigger a Bond Adjustment or Equity Adjustment.</div><div style="text-indent:27.35pt">(2)For the first Contract Year, as of a percentage of the Purchase Payment, adjusted for any partial Surrenders. The charge is deducted daily from the Accumulated Value. Each day that the charge is deducted from the Segment Interim Value of an Index-Linked Segment Option, an Equity Adjustment will apply. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted. The deduction of the charge will not trigger a Bond Adjustment. </div>In addition to the fee described above, we may limit the amount you can earn on the Index-Linked Segment Options. This means 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. <div style="margin-top:8.8pt;text-indent:27pt">The first table describes the fees and expenses you will pay at the time that you buy the Contract, make withdrawals or other Surrenders from a Segment Option or from the Contract, or transfer Contract value between Segment Options. State premium taxes may also be deducted.</div><div style="margin-top:0.15pt;padding-left:50.5pt;text-indent:27pt"> </div><div style="margin-top:0.05pt">Transaction Expenses</div><div style="margin-top:8.45pt;text-indent:27pt">Surrender Charge(1)</div><div style="margin-top:0.45pt;text-indent:27pt">(as a percentage of the amount Surrendered) 8%</div><div style="margin-bottom:6pt;margin-top:5.85pt;padding-left:22.5pt;padding-right:74pt;text-indent:-22.5pt">(1)Surrender Charges apply to withdrawals during the first six Contract Years. The Surrender Charge declines during the first six Contract Years according to the following schedule:</div><div style="padding-left:54pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:82.707%"><tr><td style="width:1.0%"></td><td style="width:80.881%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.919%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-right:0.02pt">Contract Year</div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Surrender Charge (as a percentage of the amount Surrendered)</div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:0.02pt">1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">8%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">8%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">7%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">6%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">5%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">4%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">7+ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">0%</div></td></tr></table></div>The Free Surrender Amount for a Contract Year will be equal to the greater of (i) 10% of your Premium Payment or (ii) your RMD amount, as applicable. For Contracts with applications signed on or after May 1, 2025, the Free Surrender Amount may be withdrawn from the Contract without a Surrender Charge or a Bond Adjustment, but may be subject to Equity Adjustments and taxes and tax penalties. For Contracts with applications signed before May 1, 2025, the Free Surrender Amount may be withdrawn from the Contract without a Surrender Charge, but may be subject to Bond Adjustments, Equity Adjustments and taxes and tax penalties. 0.08 Surrender Charges apply to withdrawals during the first six Contract Years. The Surrender Charge declines during the first six Contract Years according to the following schedule:<div style="padding-left:54pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:82.707%"><tr><td style="width:1.0%"></td><td style="width:80.881%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.919%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-right:0.02pt">Contract Year</div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Surrender Charge (as a percentage of the amount Surrendered)</div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:0.02pt">1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">8%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">8%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">7%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">6%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">5%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">4%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">7+ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:12.77pt;padding-right:12.77pt;text-align:center">0%</div></td></tr></table></div>The Free Surrender Amount for a Contract Year will be equal to the greater of (i) 10% of your Premium Payment or (ii) your RMD amount, as applicable. For Contracts with applications signed on or after May 1, 2025, the Free Surrender Amount may be withdrawn from the Contract without a Surrender Charge or a Bond Adjustment, but may be subject to Equity Adjustments and taxes and tax penalties. For Contracts with applications signed before May 1, 2025, the Free Surrender Amount may be withdrawn from the Contract without a Surrender Charge, but may be subject to Bond Adjustments, Equity Adjustments and taxes and tax penalties. <div style="text-indent:27pt">The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Contract value is removed from a Segment Option or from the Contract before the expiration of a specified period.</div><div style="padding-left:50.5pt;padding-right:49.1pt"> </div><div>Adjustments </div><div style="margin-top:8.45pt;text-indent:27pt">Bond Adjustment Maximum Potential Loss(1)</div><div style="margin-top:0.45pt;text-indent:27pt">(as a percentage of the amount Surrendered from an Index-Linked Segment Option) 100%</div><div style="margin-top:3.5pt;text-indent:27pt">Equity Adjustment Maximum Potential Loss(2)</div><div style="margin-top:0.45pt;text-indent:27pt">(as a percentage of your investment in an Index-Linked Segment Option) 100%</div><div style="margin-top:6pt;text-indent:27pt">(1)For Contracts with applications signed on or after May 1, 2025: Except as otherwise provided below, a Bond Adjustment will apply to the following regardless of when it occurs (even a Segment End Date): (i) any withdrawal in excess of the Free Surrender Amount; (ii) any Annuitization; or (iii) any death benefit. Note: A Bond Adjustment does not apply to RMD withdrawals, as RMD withdrawals will be withdrawals of the Free Surrender Amount.</div><div style="margin-top:6.45pt;text-indent:27pt">For Contracts with applications signed before May 1, 2025: Except as otherwise provided below, a Bond Adjustment will apply to the following regardless of when it occurs (even a Segment End Date): (i) any withdrawal; (ii) any Annuitization; or (iii) any death benefit. Note: Bond Adjustments do apply to withdrawals of the Free Surrender Amount. </div><div style="margin-top:6.45pt;text-indent:27pt">For all Contracts: A Bond Adjustment does not apply to withdrawals or other Surrenders deducted from the Initial Holding Account. The Bond Adjustment will be 0% on every Segment Anniversary evenly divisible by 6 (e.g., 6, 12, 18, etc.). A Bond Adjustment does not apply upon exercise of the Contract’s free look rights. For the Fixed Segment Option, the maximum amount of loss due to a Bond Adjustment is subject to the Standard Nonforfeiture Law for Individual Deferred Annuities, which means the minimum amount available from the Fixed Segment Option will not be less than the minimum nonforfeiture amount under state law.</div><div style="margin-top:3.7pt;text-indent:27pt">(2)An Equity Adjustment will apply upon any withdrawal, Annuitization, death benefit, or deduction of daily charges for the optional Annual Step-Up Death Benefit from an Index-Linked Segment Option on any day between the Segment Start Date and the Segment End Date. An Equity Adjustment will also apply upon exercise of Segment Lock-In for an Index-Linked Segment Option.</div> 1 1 <div style="margin-top:7.8pt;text-indent:27pt">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract. If you choose to purchase the optional benefit, you will pay additional charges, as shown below.</div><div style="margin-top:3.45pt">Annual Contract Expenses </div><div style="margin-top:3.45pt">Optional Benefit Expenses </div><div style="margin-top:3.45pt;text-indent:27pt">Rate Enhancement Rider(1)</div><div style="margin-top:0.4pt;text-indent:27pt">(as an annualized percentage of each Index-Linked Segment Option Crediting Base) 0.95%</div><div style="margin-top:0.4pt;text-indent:27pt">Annual Step-Up Death Benefit(2)</div><div style="margin-top:0.4pt;padding-left:27pt">(as an annualized percentage of Highest Accumulated Value) 0.60%</div><div style="margin-bottom:10pt;margin-top:7.9pt;text-indent:27pt">(1) Applies to each Index-Linked Segment Option selected for investment, assessed as a percentage of the Crediting Base as of the Segment Term Start Date, adjusted for any partial Surrenders from Segment Interim Value. The charge is deducted daily from the Crediting Base(s). The Crediting Base is reduced by the dollar amount of the daily charge. The reduction is not proportionate, even when deducted prior to the Segment End Date. The deduction will not trigger a Bond Adjustment or Equity Adjustment.</div>(2)For the first Contract Year, as of a percentage of the Purchase Payment, adjusted for any partial Surrenders. The charge is deducted daily from the Accumulated Value. Each day that the charge is deducted from the Segment Interim Value of an Index-Linked Segment Option, an Equity Adjustment will apply. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted. The deduction of the charge will not trigger a Bond Adjustment. 0.0095 0.006 Applies to each Index-Linked Segment Option selected for investment, assessed as a percentage of the Crediting Base as of the Segment Term Start Date, adjusted for any partial Surrenders from Segment Interim Value. The charge is deducted daily from the Crediting Base(s). The Crediting Base is reduced by the dollar amount of the daily charge. The reduction is not proportionate, even when deducted prior to the Segment End Date. The deduction will not trigger a Bond Adjustment or Equity Adjustment. For the first Contract Year, as of a percentage of the Purchase Payment, adjusted for any partial Surrenders. The charge is deducted daily from the Accumulated Value. Each day that the charge is deducted from the Segment Interim Value of an Index-Linked Segment Option, an Equity Adjustment will apply. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted. The deduction of the charge will not trigger a Bond Adjustment. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT<div>Risk of Loss in Index-Linked Segment Options</div><div style="margin-top:6.45pt;text-indent:27pt">An investment in this Contract is subject to the risk of poor investment performance of the Index-Linked Segment Options to which you have allocated Accumulated Value. You can lose money by investing in this Contract, including loss of principal and/or prior earnings. While limited protection from Index losses may be </div><div style="margin-top:6.45pt">provided under your Contract through a Buffer Segment Option, Peak Buffer Segment Option or Floor Segment Option, you bear some level of the risk of decline in your Contract’s Accumulated Value resulting from the performance of the Index-Linked Segment Options. The risk of losses may be significant. </div><div style="margin-top:6.45pt;text-indent:27pt">Because of potential Equity Adjustments and/or Bond Adjustments, in extreme circumstances, it is possible the total loss could be 100% (i.e., a complete loss of your Premium Payment and any prior earnings) even if your Contract is outside of the Surrender Charge period. While the Equity Adjustment only applies on dates other than the Segment End Date, the Bond Adjustment may always apply, even on the Segment End Date. For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS.</div><div style="margin-top:0.3pt"> </div><div style="margin-top:0.05pt">Risk of Loss in Exercising Free Look</div><div style="margin-top:6.55pt;text-indent:27pt">Upon exercising your free look rights, the amount we will return to you will be based on the state law applicable to your Contract as follows:</div><div style="margin-top:6pt;padding-left:79.45pt;text-indent:-18pt">•In the states that require us to return your Premium Payment, we will return your Premium Payment without any interest earned.</div><div style="margin-top:5.95pt;padding-left:79.45pt;text-indent:-18pt">•In states where we return your Contract Accumulated Value, the free look amount will be the Contract Accumulated Value plus any premium tax charge deducted. If you have elected to have taxes withheld, we will subtract any applicable federal and state income tax withholding from the amount returned to you. In addition, with respect to any portion of your Premium Payment allocated to an Index-Linked Segment Option, you assume risk of loss due to the possibility of a negative Equity Adjustment. As a result, you may receive less money upon the exercise of your free look rights than you paid into the Contract in Premium Payment.</div><div style="margin-top:6pt;padding-left:79.45pt;text-indent:-18pt">•In states that require us to return the greater of your Premium Payment and your Contract Accumulated Value, the free look amount will be the greater of the values in the previous two bullets.</div><div style="margin-top:5.95pt;text-indent:27pt">For additional information, see 8. PURCHASING THE CONTRACT — Right to Examine the Contract (Free Look).</div><div style="margin-top:0.5pt"> </div><div>Initial Holding Account Risk</div><div style="margin-top:6.55pt;text-indent:27pt">When you first invest in the Contract, your Premium Payment will be held in the Initial Holding Account temporarily. While in the Initial Holding Account the amount invested earns only a fixed interest rate. We determine the annual interest rate for the Initial Holding Account at our discretion. In no event will we declare an annual interest rate lower than the Guaranteed Minimum Interest Rate of 0.05%. You bear the risk that we will not credit interest at a rate greater than the Guaranteed Minimum Interest Rate.</div><div style="margin-top:6pt;text-indent:27pt">Your Premium Payment (plus credited interest) will be allocated from the Initial Holding Account to your selected Segment Option(s) on the next Segment Start Date (i.e., the next 9th or 23rd of any month), if we received the Premium Payment at least one Valuation Day prior to the next Segment Start Date. If not received by then, the Premium Payment will be allocated to your selected Segment Option(s) on the Segment Start Date immediately following the next Segment Start Date. We reserve the right to hold your Premium Payment (plus credited interest) in the Initial Holding Account until the end of the free look period. If we exercise this right, your Premium Payment would be held in the Initial Holding Account for the duration of the free look period plus the number of days until the next Segment Start Date after the free look period expires. Please note that free look periods vary by state. See APPENDIX C for state variations.</div><div style="margin-top:6.55pt;text-indent:27pt">Depending on when we receive your Premium Payment, when Valuation Days occur in a given calendar month, and the length of the free look period under your Contract, it is possible that your Premium Payment (plus </div><div style="margin-top:6.55pt">credited interest) could be held in the Initial Holding Account for an extended period of time, potentially multiple months. The Contract does not include a specific maximum number of days that the Premium Payment (plus credited interest) may be held in the Initial Holding Account. The specific number of days will depend on your circumstances, the allocation rules described above, and potentially factors that are beyond our control, such as unanticipated closures of the New York Stock Exchange. For example, assume that we receive your application in Good Order and your Premium Payment on October 9, 2024, we exercise our right to hold your Premium Payment in the Initial Holding Account until the end of the free look period, and the longest free look period currently possible of 45 days (for replacement Contracts issued in Pennsylvania) applies. Based on these assumptions, your Premium Payment (plus credited interest) would remain in the Initial Holding Account until December 9, 2024 (61 days total).</div><div style="margin-top:5.9pt;text-indent:27pt">For additional information, see 8. PURCHASING THE CONTRACT — Initial Holding Account.</div><div style="margin-top:0.35pt"> </div><div>Index Performance Risk</div><div style="margin-top:5.95pt;text-indent:27pt">If you invest in an Index-Linked Segment Option, you will be exposed to the investment risks associated with the applicable Index, including the following:</div><div style="margin-top:5.95pt;padding-left:79.45pt;text-indent:-18pt">•The performance of an Index is based on changes in the values of the securities or other assets that compose the Index. The securities and assets composing the Indices are subject to a variety of investment risks, many of which are complicated and interrelated.</div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•The performance of an Index will fluctuate, sometimes rapidly and unpredictably. Both short-term and long-term negative Index performance, over one or multiple Segment Terms, may cause you to lose principal or previous earnings. The historical performance of an Index does not guarantee future results. It is impossible to predict whether an Index will perform positively or negatively over the course of a Segment Term or multiple Segment Terms.</div><div style="margin-top:5.8pt;padding-left:79.45pt;text-indent:-18pt">•Each Index’s performance is subject to market risk, equity risk and issuer risk (in addition to other risks identified in this section):</div><div style="margin-top:5.9pt;padding-left:100.35pt;text-indent:-10pt">•Market Risk. Each Index could decrease in value over short periods due to short-term market movements and over longer periods during more prolonged market downturns. Negative fluctuations in the value of an Index may be significant and unpredictable.</div><div style="margin-top:5.95pt;padding-left:100.35pt;text-indent:-10pt">•Equity Risk. Each Index is comprised of equity securities. Equity securities are subject to changes in value, and their values may be more volatile than those of other asset classes. Equity securities may underperform in comparison to the general financial markets, a particular financial market, or other asset classes.</div><div style="margin-top:5.9pt;padding-left:100.35pt;text-indent:-10pt">•Issuer Risk. The performance of each Index depends on the performance of individual securities included in the Index. Changes in the financial condition, credit rating, or public perception of an issuer of those securities may cause the value of the issuer’s securities to decline.</div><div style="margin-top:5.9pt;padding-left:79.45pt">In recent years, the financial markets have at times experienced periods of significant volatility and negative returns, contributing to an uncertain and evolving economic environment. The performance of the markets has been impacted by several interrelating factors such as, but not limited to, natural disasters, public health crises, inflation, political and social developments, and military and governmental actions. You should consult with your financial professional about how market conditions may impact your investment decisions under the Contract.</div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•We calculate an Index Change by comparing the value of the Index between two specific points in time, which means the performance of the Index may be negative or flat for the Segment </div><div style="margin-top:5.9pt;padding-left:79.45pt">Term as a whole (including a multi-year Segment Term) even if the Index performed positively for certain periods of time during the Segment Term.</div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•An investment in an Index-Linked Segment Option is not an investment in the companies that compose the applicable Index. You will not be invested in the Index or in the securities tracked by the Index. You will have no voting rights, no rights to receive cash dividends or other distributions and no other rights with respect to the companies that make up the Index. An investment in an Index-Linked Segment Option is an investment in your Contract and amounts that you invest in the Contract become assets of the Company. </div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•The S&P 500® Price Return Index, S&P MidCap 400® Price Return Index, Russell 2000® Price Return Index, MSCI EAFE Price Return Index and Nasdaq-100 Price Return Index® are “price return” indices, meaning the Index return does not include any dividends or other distributions declared by the companies included in the Index. This results in lower Index Values and, therefore, may negatively impact the performance of the Contract. The SG Smart Climate Index reflects deductions and costs that result in lower Index Values and, therefore, may negatively impact the performance of the Contract.</div><div style="margin-top:5.9pt;padding-left:70.45pt">In addition to the foregoing, each Index has its own unique risks, as follows:</div><div style="margin-top:5.9pt;padding-left:70.45pt">[To be updated by amendment]</div><div style="margin-top:5.95pt;padding-left:79.45pt;text-indent:-18pt">•The S&P 500® Price Return Index</div><div style="margin-top:6pt;padding-left:79.45pt">This Index is composed of equity securities issued by large-capitalization (“large cap”) U.S. companies. Generally, it is more difficult for large-cap companies to pivot their strategies quickly in response to changes in their industry. In addition, because they typically are more well-established, it is rare to see large-cap companies have the high growth rates that can be seen with mid-capitalization (“mid cap”) or small-capitalization (“small cap”) companies.</div><div style="margin-top:5.95pt;padding-left:79.45pt;text-indent:-18pt">•The S&P MidCap 400® Price Return Index</div><div style="margin-top:5.95pt;padding-left:79.45pt">Index-Linked Segment Options linked to this Index are available for new Segment Terms beginning on or after May 18, 2026.</div><div style="margin-top:6pt;padding-left:81.35pt">This Index is composed of equity securities issued by mid cap U.S. companies. Historically, compared to large cap companies, the securities of mid cap companies have tended to be more volatile, less liquid, and more sensitive to adverse economic developments.</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•Russell 2000® Price Return Index</div><div style="margin-top:6.25pt;padding-left:79.45pt">This Index is composed of equity securities of small cap U.S. companies. Historically, among the large cap, mid cap, and small cap company asset classes, the securities of small cap companies have tended to be the most volatile, least liquid, and most sensitive to adverse economic developments. </div><div style="margin-top:6.1pt;padding-left:81pt;text-indent:-18pt">•MSCI EAFE Price Return Index </div><div style="margin-top:6.25pt;padding-left:79.45pt">Index-Linked Segment Options linked to this Index are no longer available for Segment Terms beginning after May 1, 2025, except for the initial Segment Term for Contracts with applications signed on or before May 1, 2025.</div><div style="margin-top:6.25pt;padding-left:79.45pt">This Index is composed of equity securities and is designed to represent the performance of large and mid-cap securities across 21 developed markets around the world but excluding the U.S. and Canada. The value of foreign securities may fall due to adverse political, social and economic developments abroad and due to decreases in foreign currency values relative to the </div><div style="margin-top:6.25pt;padding-left:79.45pt">U.S. dollar. Also, foreign securities are sometimes less liquid and more difficult to sell and to value than securities of U.S. issuers. Shifts in these factors can result in this Index being more volatile than other Indices.</div><div style="margin-top:4.35pt;padding-left:79.45pt;text-indent:-18pt">•Nasdaq-100 Price Return Index®</div><div style="margin-top:4.35pt;padding-left:79.45pt">This Index is composed of equity securities issued by large-cap U.S. and non-U.S. companies, excluding financial companies. To the extent the Index is comprised of securities issued by companies in a particular sector, those securities may not perform as well as the securities of companies in other sectors or the market as a whole. The value of foreign securities may fall due to adverse political, social and economic developments abroad and due to decreases in foreign currency values relative to the U.S. dollar. Also, foreign securities are sometimes less liquid and more difficult to sell and to value than securities of U.S. issuers.</div><div style="margin-top:6.35pt;padding-left:79.45pt;text-indent:-18pt">•SG Smart Climate Index</div><div style="margin-top:6.25pt;padding-left:81pt">Index-Linked Segment Options linked to this Index are no longer available for Segment Terms beginning on or after May 18, 2026, except for the initial Segment Term for Contracts with applications signed before May 18, 2026.</div><div style="margin-top:6.25pt;padding-left:79.45pt">This Index provides investment exposure to the performance of large-cap U.S. stocks that are selected based on proprietary climate risk preparedness scores and certain environmental, social and governance (ESG) filters. The Index provides exposure to such stocks through its underlying Index, the SG Climate Transition Risk Index (the “Underlying SGI Index”).</div><div style="margin-top:6.2pt;padding-left:79.45pt">The Index is subject to several risks, such as the following:</div><div style="margin-top:6.25pt;padding-left:99pt;text-indent:-10pt">•ESG Methodology Risk. The Underlying SGI Index is composed of stocks that are selected based on an ESG methodology that includes climate risk scores and ESG exclusion filters. Investors’ views about ESG matters may differ from the Underlying SGI Index’s ESG methodology. As such, the ESG methodology may not reflect the beliefs or values of any particular investor. There is no guarantee that the ESG methodology will ultimately enhance the performance of the Index. The ESG methodology could detract from the performance of the Index, as companies with lower ESG ratings may perform better than companies with higher ESG ratings over the short or long term. Due to the inherent difficulty of forecasting within complex systems and the general unpredictability of future events, there is no guarantee that the predictive climate risk models used by the Underlying SGI Index will identify stocks that will perform well if climate events occur.</div><div style="margin-top:6.2pt;padding-left:99pt">Same as an Index-Linked Segment Option linked to any other Index, if you invest in an Index-Linked Segment Option linked to the SG Smart Climate Index, you are not investing in the companies that comprise the Index (including the Underlying SGI Index). Instead, you are investing in your Contract. Amounts that you invest in the Contract become assets of the Company. The assets in the Company's general account, which the Company invests to support its payment obligations under the Contract, are not invested based on ESG criteria.</div><div style="margin-top:6pt;padding-left:99.4pt;text-indent:-10.1pt">•Performance Drag Risk. The performance of the Index will always be worse than the performance of the underlying index. The Index reflects deductions that reduce performance, including a negative performance adjustment equal to 1.50% and fixed replication costs equal to 0.50%, each as an annualized percentage of Index Value. In addition, the performance of the Index is reduced by assumed costs of borrowing equal to the U.S. Federal Funds Rate. As of December 31, 2025, the U.S. Federal Funds Rate was 3.64%. The U.S. Federal Funds Rate will fluctuate over time and may be higher or lower in the future. Without these deductions, the performance of the Index over any one year period would be higher by approximately 2.00% plus the U.S. Federal Funds Rate. While these deductions are not charges under the Contract, they result in lower Index Values and may therefore negatively impact the performance of your Contract.</div><div style="margin-top:6.05pt;padding-left:99pt;text-indent:-10pt">•Large-Cap Risk. Large-cap companies may be less able than smaller capitalization companies to adapt to changing market conditions. Large-cap companies may be more mature and subject to more limited growth potential compared with smaller capitalization companies. During different market cycles, the performance of large-cap companies has trailed the overall performance of the broader securities markets.</div><div style="margin-top:6.15pt;padding-left:99pt;text-indent:-10pt">•Index Disruption Risk. Disruptive and extraordinary events could impair the operation of the Index or the Underlying SGI Index. For example, these events could relate to the unavailability of necessary data to apply the ESG methodology, an insufficient number of eligible stocks or the termination or breach of a third-party licensing agreement. Should a disruptive or extraordinary event occur, the Index provider may take any actions permitted by the Index rules, such as postponing calculations or rebalances, adjusting the terms of an Index to preserve its economic characteristics, restating Index values or discontinuing the Index.</div><div style="margin-top:5.75pt;padding-left:99pt;text-indent:-10pt">•New Index Risk. The Index and the Underlying SGI Index have limited performance histories. Generally, there is less publicly available information about the Index and the Underlying SGI Index compared to more established market indexes. Inquiries regarding the Index or the Underlying SGI Index should be directed to your financial professional or Principal Life Insurance Company either by:</div><div style="margin-top:5.7pt;padding-left:121.5pt;text-indent:-10pt">•Calling us at 1-800-852-4450 between the hours of 7 a.m. and 6 p.m. Central Time</div><div style="margin-bottom:6pt;margin-top:6.15pt;padding-left:121.5pt;text-indent:-10pt">•Sending us your inquiry at the below address:</div><div style="padding-left:126pt;text-indent:-4.5pt">Principal Life Insurance Company</div><div style="padding-left:126pt;text-indent:-4.5pt">Attn: RIS Annuity Services P O Box 9382</div><div style="padding-left:126pt;text-indent:-4.5pt">Des Moines, Iowa 50306-9382</div><div style="margin-top:6.2pt;text-indent:27pt">For more detailed information about this and the other available Indices, see APPENDIX B: ADDITIONAL INDEX DISCLOSURES.</div><div style="margin-top:0.35pt"> </div><div>Liquidity Risk</div><div style="margin-top:6.15pt;text-indent:27pt">Liquidity Risk Generally</div><div style="margin-top:6.15pt;text-indent:27pt">This Contract is not suitable as a short-term savings vehicle and is not appropriate if you need ready access to cash. The benefits of tax deferral and allocation to Segment Options for the full Segment Terms are better for investors with long investment time horizons. Surrender charges apply for up to six years after the Premium Payment and these charges will reduce the value of your Contract if you withdraw money during that time.</div><div style="margin-top:5.75pt;text-indent:27pt">A Bond Adjustment will generally apply upon any withdrawal, death benefit or Annuitization from any Segment Option on any date (including a Segment End Date), subject to certain exceptions discussed in this prospectus. The dollar amount of a Bond Adjustment is calculated based on the reduction to the Crediting Base for a Segment Option, and is then applied to the amount Surrendered. A partial withdrawal or Annuitization may reduce the Crediting Base by more than the amount Surrendered. In extreme circumstances, you could lose up to 100% of the amount Surrendered due to a negative Bond Adjustment. See 7. FEES, CHARGES AND ADJUSTMENTS — Bond Adjustment for additional information.</div><div style="margin-top:5.6pt;text-indent:27pt">While the Contract provides for a Free Surrender Amount not subject to Surrender Charges (or Bond Adjustments for Contracts with applications signed on or after May 1, 2025), the Free Surrender Amount is limited. For Contracts with applications signed on or after May 1, 2025, withdrawals of the Free Surrender Amount may be subject to negative Equity Adjustments, taxes and tax penalties. For Contracts with applications signed before May 1, 2025, withdrawals of the Free Surrender Amount may be subject to negative Equity Adjustments, negative Bond Adjustments, taxes and tax penalties. </div><div style="margin-top:5.6pt;text-indent:27pt">There may be adverse tax consequences if you take early withdrawals from the Contract, including amounts withdrawn from the Contract being subject to a 10% federal penalty if taken before age 59½, which would be in addition to any other federal or state income taxes payable.</div><div style="margin-top:6.25pt;text-indent:27pt">Limits on Transfers</div><div style="margin-top:6.3pt;text-indent:27pt">The restrictions applicable to Transfers also creates liquidity risk. You are only able to make Transfers of Accumulated Value among the various Segment Options at the end of a Segment Term. This significantly limits your ability to react to changes in market conditions during Segment Terms. </div><div style="margin-top:6.3pt;text-indent:27pt">Your Transfer requests must be received by us at least two Valuation Days prior to the end of a Segment Term. If you submit a Transfer request but we do not receive it prior to the start of that two-day period, your Accumulated Value will be automatically re-invested as described in 11. OPTIONS AT END OF SEGMENT TERM. The Segment End Date counts as one of those two Valuation Days if the Segment End Date is on a Valuation Day. If the Segment End Date is not on a Valuation Day, the Valuation Day prior to the Segment End Date is the end of that two-day period. For example, if the Segment End Date is a Saturday, the end of the two-day period is the preceding Friday, and your Transfer request must be received by us before the end of the Valuation Day on the preceding Wednesday. This example assumes no holidays during this period.</div><div style="margin-top:4.35pt;text-indent:27pt">In the absence of timely instructions in Good Order, your Accumulated Value in the ended Segment Option will be automatically re-invested in the same Segment Option for a new Segment Term (with the Cap Rate, Participation Rate or annual interest rate applicable to a new Segment Term), provided that the same Segment Option is available for a new Segment Term. </div><div style="margin-top:4.35pt;text-indent:27pt">If we do not receive timely instructions in Good Order and the same Index-Linked Segment Option is no longer available, the Accumulated Value in the ended Segment Option will be automatically Transferred to the applicable default option, as follows:</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•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.</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•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 </div><div style="margin-top:6.1pt;padding-left:79.45pt">Rate and Participation Rate applicable to a new Segment Term). If there are multiple such Segment Options available, the Accumulated Value in the ended Segment Option will be automatically Transferred to the one with the higher Cap Rate limitation. 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). </div><div style="margin-top:6.1pt;text-indent:27pt">We reserve the right to change the default Segment Options as described above in the future (e.g., we may designate the sole Index-Linked Segment Option that we guarantee to make available for the life of the Contract as the default option in all cases).</div><div style="margin-top:5.95pt;text-indent:27pt">Please note, the Cap Rate, Participation Rate or annual interest rate we declare for the new Segment Term may differ (higher or lower) from the previous Segment Term, subject to the guaranteed limits described in this prospectus.</div><div style="margin-top:6pt;text-indent:27pt">Transfers from a Segment Option are only allowed on the Segment End Date. If you wish to Transfer, you must Notify us at least two Valuation Days prior to the end of the Segment Term for the given Segment Option. The Segment End Date counts as one of those two Valuation Days if the Segment End Date is on a Valuation Day. If you fail to Transfer Accumulated Value at the end of a Segment Term and do not wish to remain invested in a particular Segment Option for another Segment Term, you may take a full withdrawal of the related Accumulated Value. Withdrawing all or some of the Accumulated Value may cause you to incur Surrender Charges, negative Bond Adjustments, negative Equity Adjustments, taxes and tax penalties, as discussed in this section. If you purchase another investment vehicle, it may have different features, fees and risks than this Contract. For additional information, see 11. OPTIONS AT END OF SEGMENT TERM.</div><div style="margin-top:5.95pt;text-indent:27pt">Liquidity Risks Related to Segment Interim Value</div><div style="margin-top:6.6pt;text-indent:27pt">See “Segment Interim Value Risk” below for information on how liquidity risks relate to our Interim Value calculation.</div><div style="margin-top:5.95pt;text-indent:27pt">Consequences of Withdrawals/Surrenders Generally</div><div style="margin-top:6.6pt;text-indent:27pt">There is a risk of loss of principal and/or prior earnings if you take a withdrawal from your Contract during the first six Contract Years where a Surrender Charge would be deducted. Withdrawals may also be subject to negative Bond Adjustments, negative Equity Adjustments and taxes and tax penalties, all of which may result in loss of principal and/or prior earnings. These may result in loss even when the Index for an Index-Linked Segment Option has performed positively. Withdrawals will also reduce the death benefit, perhaps by more than the amount withdrawn. Withdrawals under the Contract include full withdrawals, partial withdrawals, RMD withdrawals, scheduled withdrawals, unscheduled withdrawals and withdrawals of the Free Surrender Amount. Annuitizations and death benefits are subject to similar risks as withdrawals. They may be subject to negative Bond Adjustments whenever they occur, even on a Segment End Date. They may also be subject to negative Equity Adjustments if they occur prior to a Segment End Date for an Index-Linked Segment Option. If you set up scheduled withdrawals, your exposure to these risks will repeat as long as the scheduled withdrawals continue.</div><div style="margin-top:5.95pt;text-indent:27pt">Other than implicit ongoing fees to the extent that your participation in Index gains is limited by our use of a Cap Rate or Participation Rate (i.e., the extent to which your positive returns, if any, under an Index-Linked Segment Option are lower than the Index's returns due to our application of a Cap Rate or Participation Rate), the only potential ongoing charges with this Contract are the charges for the optional Rate Enhancement Rider and optional Annual Step-Up Death Benefit. If you elect either optional benefit with your Contract, the ongoing charge for the rider could also cause amounts available for withdrawal under your Contract to be less than what has been invested in the Contract, even if Index performance has been positive.</div><div style="margin-top:7.95pt;text-indent:27pt">Any limits on downside loss provided by the floor feature or buffer feature, as applicable, are for the entire Segment Term for a particular Segment Option and are not annual limits.</div><div style="margin-top:6pt;text-indent:27pt">We may defer payments under this Contract for up to six months if the insurance regulatory authority of the state in which we issued the Contract approves such deferral.</div><div style="margin-top:5.95pt;text-indent:27pt">For additional information, see 12. WITHDRAWALS.</div><div style="margin-top:4.35pt">Fixed Segment Option Risk</div><div style="margin-top:6.65pt;text-indent:27pt">We determine the annual interest rate for the Fixed Segment Option at our discretion. In no event will we declare an annual interest rate lower than the Guaranteed Minimum Interest Rate of 0.05%. You bear the risk that we will not credit interest for a new Segment Term at a rate greater than the Guaranteed Minimum Interest Rate. There is no guarantee that the Fixed Segment Option will be made available for future Segment Terms.</div><div style="margin-top:0.5pt"> </div><div>Credit Risks</div><div style="margin-top:6.55pt;text-indent:27pt">Our general account assets support our financial guarantees under the Contract and are subject to the claims of our creditors. As such, the guarantees under the Contract are subject to our financial strength and claims-paying ability. There is a risk that we may default on those guarantees. You need to consider our financial strength and claims-paying ability in meeting the guarantees under the Contract. You may obtain information on our financial condition by reviewing our financial statements included in the Statement of Additional Information. </div><div style="margin-top:5.95pt;text-indent:27pt">The amount you invest is not placed in a registered separate account and your rights under the Contract to invested assets and the returns on those assets are subject to Company’s claims-paying ability. The unregistered Separate Account that we use to support the Index-Linked Segment Options is non-unitized, which means neither an Owner nor amounts allocated to the Segment Options participate in the performance of the assets held in the Separate Account.</div><div style="margin-top:6pt;text-indent:27pt">The assets in the unregistered Separate Account are insulated, which means they are not subject to the claims of the creditors of the Company.</div><div style="margin-top:6pt">Segment Interim Value Risk</div><div style="margin-top:6pt;text-indent:27pt">On each Valuation Day of the Segment Term, other than the first and last day, we determine the Segment Interim Value for each Index-Linked Segment Option. In order to calculate your Segment Interim Value, we apply a formula that is not directly tied to the actual performance of the applicable Index. Instead, we calculate it by determining the value of hypothetical investments and derivatives that we may or may not actually hold in order to provide a current estimate of the value of the Segment Option at the end of the Segment Term. This means that even if the Index has performed positively, it is possible that the Segment Interim Value may have decreased. For more information and to see how we calculate the Segment Interim Value, see 7. FEES, CHARGES AND ADJUSTMENTS – Equity Adjustment and 10. INDEX-LINKED SEGMENT OPTION MECHANICS – Segment Interim Value. </div><div style="margin-top:6pt;text-indent:27pt">Segment Interim Value is calculated using the Crediting Base and the applicable Equity Adjustment. The Segment Interim Value always reflects the Equity Adjustment. A Segment Interim Value (and, in turn, the Equity Adjustment) will apply to your Contract when any of the following transactions occurs during a Segment Term on any date other than the Segment Start Date or Segment End Date: (i) any withdrawal from an Index-Linked Segment Option, including a full withdrawal, partial withdrawal, withdrawal of the Free Surrender Amount, RMD withdrawal, scheduled withdrawal or unscheduled withdrawal; (ii) any Annuitization of Contract Accumulated Value in an Index-Linked Segment Option; (iii) any death benefit, if Contract Accumulated Value is allocated to an Index-Linked Segment Option; (iv) the deduction of daily charges for the optional Annual Step-Up Death Benefit from an Index-Linked Segment Option; or (v) Segment Lock-In is exercised. In extreme circumstances, you could lose up to 100% of your investment due to a negative Equity Adjustment.</div><div style="margin-top:5.95pt;text-indent:27pt">If you allocate Accumulated Value to an Index-Linked Segment Option, Segment Credits will not be credited to your Accumulated Value in the particular Segment Option until the end of the Segment Term. Amounts </div><div style="margin-top:5.95pt">withdrawn from an Index-Linked Segment Option prior to the end of a Segment Term will not have a Segment Credit applied to it. This includes Accumulated Value being applied to pay a death benefit or to an Annuitization option during a Segment Term. Except for the first and last Valuation Day of a Segment Term, your Segment Interim Value is the amount available for withdrawals, Annuitization and death benefits (collectively, “Surrenders”) and to pay charges for the optional Annual Step-Up Death Benefit, if elected. There is risk that this Segment Interim Value could be less than your original Premium Payment even if the applicable Index has been performing positively.</div><div style="margin-top:6pt;text-indent:27.35pt">Partial withdrawals, partial Annuitizations, and rider fees deducted from Segment Interim Value for an Index-Linked Segment Option will also reduce your Crediting Base for that Segment Option. The Crediting Base will be proportionately reduced, and this reduction could be greater than the amount Surrendered or the fee deducted. On the Segment End Date, the Crediting Base is reduced (after the application of Segment Credit) by the amount Surrendered or the fee deducted. A reduction to your Crediting Base prior to the end of the Segment Term for an Index-Linked Segment Option will result in lower Segment Interim Values for the remainder of the Segment Term. Also, a reduction to your Crediting Base will result in less gain or more loss, as applicable, at the end of a Segment Term.</div><div style="margin-top:6pt;text-indent:27.35pt">If you elect the optional Annual Step-Up Death Benefit, due to the deduction of daily rider charges, an Equity Adjustment and proportionate reduction to your Crediting Base will apply every day of every Segment Term other than the Segment Start Date and Segment End Date. The negative impacts to the value of your Contract could be significantly greater than the dollar amount of the fees paid for the benefit. See 7. FEES, CHARGES AND ADJUSTMENTS — Optional Benefit — Annual Step-Up Death Benefit.</div><div style="margin-top:0.1pt;padding-left:50.5pt;text-indent:19.95pt"> </div><div>Buffer and Floor Rate Risk</div><div style="margin-top:6.55pt;text-indent:27pt">The Buffer or Floor Rate that is applicable to a Segment Option provides you with only limited or no protection from negative Index performance at the end of a Segment Term. You could lose a significant amount of your Premium Payment and/or prior earnings under the Contract.</div><div style="margin-top:6pt;text-indent:27pt">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: 100% loss for a 0% Buffer Rate; 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.</div><div style="margin-top:6pt;text-indent:27pt">You could lose a significant amount of money if an Index declines in value. 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. 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).</div><div style="margin-top:6pt;text-indent:27pt">You also bear the risk that continued negative Index Changes may result in zero or negative Segment Credits being credited to your Accumulated Value over multiple Segment Terms. Given that the Floor Rate and Buffer Rate (as applicable) are expressed as to a single Segment Term, if an Index-Linked Segment Option is credited with negative Segment Credits for multiple Segment Terms, the cumulative loss may exceed the stated limit of the Buffer Rate or Floor Rate for any single Segment Term. </div><div style="margin-top:6pt;text-indent:27pt">The Index-Linked Segment Options with a 0% Buffer Rate provide no protection from Index losses. You could lose up to 100% of your investment if the Index declines in value.</div><div style="margin-top:6pt;text-indent:27pt">As of May 18, 2026, we are no longer offering Floor Segment Options for new Segment Terms. Contracts with applications signed before May 18, 2026 may select an available Floor Segment Option for the initial Segment Term. We reserve the right to offer Floor Segment Options in the future. If you are interested in an </div><div style="margin-top:6pt">Index-Linked Segment Option that provides complete protection from Index losses, you should discuss the Index-Linked Segment Options with a 100% Buffer Rate (each with a 6-Year Segment Term) with your financial professional. These Segment Options are available for investment on or after May 18, 2026, and provide the same level of protection from Index losses as a 0% Floor Rate. However, please note: (i) they are subject to the availability restrictions for Index-Linked Segment Options with 6-Year Segment Terms; (ii) you must hold your investment for 6 years in order to be protected from Index losses, and (iii) we may limit Index gains to a greater degree than other Index-Linked Segment Options based on the Cap Rate or Participation Rate we declare. You should also understand that, even if you select a 100% Buffer Rate, you could experience losses due to Surrender Charges, negative Bond Adjustments, negative Equity Adjustments, and/or taxes and tax penalties. Any such losses will not be tied to Index performance, will not be subject to the 100% Buffer Rate’s downside protection, and could be greater than any losses experienced by an Index. </div><div style="margin-top:6pt;text-indent:27pt">Any limits on downside loss provided by the floor feature or buffer feature, as applicable, are for the entire Segment Term for a particular Segment Option and are not annual limits. </div><div style="margin-top:5.95pt;text-indent:27pt">For withdrawals, Annuitizations and death benefits that occur during a Segment Term, you or your beneficiaries (as applicable) will not receive the full protection of the Buffer Rate or Floor Rate in the calculation of the Segment Interim Value. In order to receive the full protection, the particular transaction must occur on the Segment End Date. </div><div style="margin-top:5.95pt;text-indent:27pt">For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS.</div><div style="margin-top:0.45pt"> </div><div>Cap Rate and Participation Rate Risk</div><div style="margin-top:6.6pt;text-indent:27pt">For each Index-Linked Segment Option (other than the Index-Linked Segment Options with a 0% Buffer Rate), positive Index returns at the end of a Segment Term will be subject to a Cap Rate and Participation Rate. </div><div style="margin-top:6.6pt;padding-left:79.45pt;text-indent:-18pt">•The Segment Return will equal the Index Change multiplied by the Participation Rate, up to the Cap Rate. As such, both the Cap Rate and Participation Rate may cause your return to be less than the Index Change. </div><div style="margin-top:6.6pt;padding-left:79.45pt;text-indent:-18pt">•The Cap Rate is a maximum limit on the positive Index Change, if any, that may be credited to your Contract for a given Segment Term. The Cap Rate does not guarantee a certain amount of Segment Credit. We set the Cap Rates at our discretion. You bear the risk that we will not set the Cap Rates higher than 0.50%, which is the guaranteed minimum Cap Rate.</div><div style="margin-top:6.6pt;padding-left:79.45pt">If we do not declare a Cap Rate for a particular Segment Option and Segment Term, the Segment Option will not be subject to a Cap Rate limitation for that Segment Term, but will be subject to the applicable Participation Rate.</div><div style="margin-top:6.6pt;padding-left:79.45pt;text-indent:-18pt">•The Participation Rate represents your participation in a positive Index Change, if any, at the end of the Segment Term, expressed as a percentage. If the Participation Rate is less than 100%, your return will necessarily be less than the positive Index Change. You bear the risk that we will not set the Participation Rates higher than 5.00%, which is the guaranteed minimum Participation Rate.</div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•Your risk of investment loss could be significantly greater than the potential for investment gain. For example, assuming the guaranteed minimum Cap Rate of 0.50% and guaranteed minimum Participation Rate of 5.00%, the maximum potential gain at the end of a Segment Term due to positive Index performance would be 0.50%.</div><div style="margin-top:5.75pt;text-indent:27pt"> </div><div style="text-indent:36pt">We set Cap Rates and Participation Rates at our discretion, subject to guaranteed minimums. We consider a number of factors when declaring Cap Rates and Participation Rates, such as the applicable Buffer </div><div>Rate or Floor Rate, costs of financial instruments we use to manage our risk associated with our obligations (which can be impacted by market conditions and forces), sales commissions, administrative expenses, regulatory and tax requirements, general economic trends and competitive factors. </div><div style="margin-top:5.75pt;text-indent:36pt">For the Index-Linked Segment Options with a 0% Buffer Rate, there is no Cap Rate limitation. Your participation in any positive Index performance will be subject to the declared Participation Rate, which will be at least 100%. However, unlike the other Index-Linked Segment Options, a 0% Buffer Rate provides no protection from a negative Index Change. You could lose up to 100% of your investment if the Index declines in value.</div><div style="margin-top:5.75pt;text-indent:27pt">The Cap Rate and Participation Rate declared for a Segment Term are for the entire Segment Term for a particular Segment Option. They are not annual limits.</div><div style="margin-top:5.8pt;text-indent:27pt">For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS.</div><div style="margin-top:0.05pt"> </div><div>Peak Buffer Risk</div><div style="margin-top:6.15pt;text-indent:27pt">A Peak Buffer Segment Option is subject to the same risks as a Buffer Segment Option. See “Buffer and Floor Rate Risk” above. A Peak Buffer Segment Option has a Buffer Rate that provides you with only limited protection from negative Index performance at the end of a Segment Term. You could lose a significant amount of your Premium Payment and/or prior earnings under the Contract. As noted under “Buffer and Floor Rate Risk” above, limits on downside loss provided by the buffer feature are for the entire Segment Term for a particular Peak Buffer Segment Option and are not annual limits.</div><div style="margin-top:5.7pt;text-indent:27pt">A Peak Buffer Segment Option differs from a Buffer Segment Option only with respect to the potential for gain in the event of a negative Index Change, provided that the negative Index Change does not exceed the Buffer Rate. Even though any gain from a negative Index Change would not be subject to the Cap Rate or Participation Rate, the potential gain would be limited. In no event would any such gain, if any, be greater than the Peak Buffer Midpoint (10%) and could be as low as 0%.</div><div style="margin-top:5.7pt;text-indent:27pt">A Peak Buffer Segment Option will generally have a lower Cap Rate and/or Participation Rate than a Buffer Segment Option with the same Index, Segment Term and Buffer Rate, as Peak Buffer Segment Options generally expose us to more risk than Buffer Segment Options because, under Peak Buffer Segment Options, we may need to credit gain for negative Index performance.</div><div style="margin-top:0.25pt"> </div><div style="margin-top:0.05pt">Segment Lock-In Risk</div><div style="margin-top:6.15pt;text-indent:27pt">If you exercise a Segment Lock-In, and the locked-in Equity Adjustment is negative, you will be locking-in a loss rather than a gain. The loss could be significant. The Segment Credit you receive upon exercising Segment Lock-In may be lower than the Segment Credit you would have received on the Segment End Date if you hadn’t exercised the Segment Lock-In. Similarly, you may receive a negative Segment Credit due to exercising Segment Lock-In when, had you not exercised Segment Lock-In, you would have received a positive Segment Credit on the Segment End Date. You also may receive less than the full protection of the Buffer Rate or Floor Rate (as applicable). This is due to an Equity Adjustment being applied in calculating the Segment Credit instead of the point-to-point crediting method. If a lock-in is exercised, the Segment Option’s Floor Rate, Buffer Rate, Peak Buffer Midpoint, Cap Rate and Participation Rate (as applicable) will no longer be applied on the Segment End Date. In addition, the amount of the Equity Adjustment is unknown at the time the Segment Lock-In is exercised (as discussed immediately below).</div><div style="margin-top:6.3pt;text-indent:27pt">At the time you exercise a Segment Lock-In, you will not know the locked-in Equity Adjustment in advance because the Equity Adjustment is calculated at the end of the Valuation Day. The locked-in Equity Adjustment could be lower than you anticipated. If you submit a Segment Lock-In request, the locked-in Equity Adjustment may be lower or higher than the Equity Adjustment that was last calculated before you submitted your request. If you establish Lock-In Thresholds, you will not know the locked-in Equity Adjustment in advance, although the locked-in Equity Adjustment will be at least equal to the upper threshold or lower threshold, as applicable. For additional information on how the Equity Adjustment is calculated, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — Segment Interim Value — Calculation of Equity Adjustment.</div><div style="margin-top:4.35pt;text-indent:27pt">You can obtain the current Segment Interim Value and Equity Adjustment by calling us at 1-800-852-4450 or by visiting www.principal.com and using your secure login. However, as explained above, if you were to exercise Segment Lock-In, the locked-in Equity Adjustment may be more or less than the quoted value. You should speak to your financial professional before executing Segment Lock-In.</div><div style="margin-top:6.1pt;text-indent:27pt">If you have selected a Peak Buffer Segment Option for investment, before exercising Segment Lock-In or establishing Lock-In Thresholds, you should consider the fact that if a negative Index Change on the Segment End Date does not exceed the Buffer Rate, you will be credited gain (if the negative Index Change is less than the Buffer Rate) or no loss (if the negative Index Change equals the Buffer Rate). If you lock-in a negative Equity Adjustment, you are locking in the loss reflected in the Equity Adjustment in all cases.</div><div style="margin-top:6.25pt;text-indent:27pt">We will not provide advice or notify you regarding whether you should exercise the Segment Lock-In features or the optimal time for doing so. It is possible that you may exercise Segment Lock-In at a sub- optimal time during the Segment Term, or that there is no optimal time to exercise Segment Lock-In during a Segment Term. We will not warn you if you exercise the Segment Lock-In features at a sub-optimal time. We are not responsible for any losses or forgone gains related to your decision whether or not to exercise the Segment Lock-In features.</div><div style="margin-top:6.1pt;text-indent:27pt">Once a Segment Lock-In is executed, it is irrevocable for that Segment Term. A lock-in will not be applied retroactively and can only be exercised for the entire Segment Option. A Segment Lock-In may only be exercised once per Segment Term for each Index-Linked Segment Option.</div><div style="margin-top:6.1pt;text-indent:27pt">For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — Segment Lock-In Feature.</div><div> </div><div>Segment Option and Index Availability Risk</div><div style="margin-top:6.25pt;text-indent:27pt">There is no guarantee that any particular Segment Option or Index will be available during the entire period that you own your Contract, with the exception of the following Index-Linked Segment Option which is guaranteed to 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. If you are not comfortable with the possibility that could be the only Segment Option available in the future, you should not buy this Contract, as we do not guarantee the availability of any other Index-Linked Segment Option or the Fixed Segment Option. </div><div style="margin-top:6.25pt;text-indent:27pt">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.</div><div style="margin-top:6pt;text-indent:36pt">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 </div><div style="margin-top:6pt">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. If you purchase another investment vehicle, it may have different features, fees and risks that this Contact. </div><div style="margin-top:6.35pt;text-indent:36pt">There are restrictions that limit the Segment Options you may choose. Index-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. Certain Index-Linked Segment Options are available only if the optional Rate Enhancement Rider has been elected. Certain Index-Linked Segment Options have been closed to investment. See APPENDIX A.</div><div style="margin-top:6.4pt;text-indent:27pt">We may replace an Index if it is discontinued or if there is a substantial change in the calculation of the Index, or if hedging instruments become difficult to acquire or the cost of hedging becomes excessive.</div><div style="margin-top:6.05pt;text-indent:27pt">Other considerations relating to this risk include:</div><div style="margin-top:6.35pt;padding-left:79.45pt;text-indent:-18pt">•In addition to the investment performance and risks of loss that already are part of your Contract, the returns you otherwise may have anticipated may not be available in situations where the Company reserves the right to discontinue an Index in the middle of a Segment Term. This is due in part to the fact that, if we substitute an Index, the performance of the new Index may differ from the original Index. This may negatively affect the Segment Credit you earn during the Segment Term or the Segment Interim Values that you can lock-in under the Segment Lock-In feature.</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•We may replace an Index at any time during a Segment Term; however, we will notify you in writing at least 30 days prior to replacing an Index. If we replace an Index, this does not cause a change in the Cap Rate, Participation Rate, Floor Rate, Buffer Rate or Peak Buffer Midpoint, as applicable. You will have no right to reject the replacement of an Index, and you will not be permitted to Transfer Segment Interim Values until the end of the applicable Segment Term even if we replace the Index during such Segment Term. The new Index and the replaced Index (which you may have previously chosen) may not be similar with respect to their component securities or other instruments, although we will attempt to select a new Index that is similar to the old Index.</div><div style="margin-top:6.25pt;padding-left:79.45pt;text-indent:-18pt">•At the end of the Segment Term, you may Transfer your Segment Value to another Segment Option without charge. If you do not want to remain invested in the relevant Segment Option for the remainder of the Segment Term, your only option will be to withdraw or Annuitize the related Segment Interim Value, which may cause you to incur Surrender Charges, a negative Bond Adjustment, a negative Equity Adjustment, taxes and tax penalties, as discussed in this section. If you purchase another investment vehicle, it may have different features, fees and risks than this Contract.</div><div style="margin-top:6.2pt;padding-left:79.45pt;text-indent:-18pt">•Changes to the Cap and Participation Rates, if any, occur at the beginning of the next Segment Term. We will provide written notice at least 15 calendar days prior to each Segment Start Date instructing you how to obtain the Cap and Participation Rates for the next Segment Term. Those Cap and Participation Rates will be made available to you at least 7 calendar days prior to the Segment Start Date. You are only able to make Transfers of Accumulated Value among the various Segment Options at the end of a Segment Term. See Liquidity Risks — Limits on Transfers Between Segment Options above.</div><div style="margin-top:6.3pt;padding-left:79.45pt;text-indent:-18pt">•If you do not like a new Cap or Participation Rate for a particular Segment Option, at the end of the current Segment Term, you may Transfer your Segment Value to another Segment Option without charge.</div><div style="margin-top:6.2pt;padding-left:79.45pt;text-indent:-18pt">•We will not substitute any Index until the new Index has received any necessary regulatory clearances. Any addition, substitution or removal of an Index-Linked Segment Option or Index will be communicated to you in writing. If we add or remove an Index (as opposed to replacing an Index), the changes will not be effective for your Contract until the start of the next Segment Term. Adding or removing an Index does not cause a change in the Floor or Buffer Rates, as applicable. Any Index-Linked Segment Option based on the performance of the newly added Index may have a new Cap and Participation Rate.</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section.</div><div style="margin-top:6.15pt;text-indent:27pt">For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — The Indices — Discontinuation or Substitution of an Index and 11. OPTIONS AT END OF SEGMENT TERM.</div><div style="margin-top:0.55pt"> </div><div>Single Premium Payment Risk</div><div style="padding-left:50.5pt"> </div><div style="text-indent:27pt">This Contract is a single premium product. After the Premium Payment is made, no additional Premium Payments will be accepted. You will be unable to increase the value of your Contract, including the death benefit, with additional premiums. </div><div style="padding-left:50.5pt"> </div><div>Risks Affecting Our Administration of Your Contract</div><div style="margin-top:6.35pt;text-indent:27pt">Our operations and/or the activities and operations of our service providers and business partners are subject to certain risks that are beyond our control, including systems failures, cyber-attacks and pandemics (and similar events). These risks are not unique to the Company and they could materially impact our ability to administer the Contract. Financial services companies and their third-party service providers are increasingly the targets of cyber-attacks. The techniques used to attack systems and networks change frequently, are becoming more sophisticated and can originate from a wide variety of sources. The use of remote or flexible work arrangements, remote access tools and mobile technology have expanded potential targets for cyber-attack.</div><div style="margin-top:6.25pt;text-indent:27pt">The Company is highly dependent upon its computer systems and those of its business partners and service providers. This makes the Company potentially susceptible to operational and information security risks resulting from a cyber-security incident. These risks include direct risks, such as theft, misuse, corruption and destruction of data maintained by the Company, and indirect risks, such as denial of service attacks on systems and websites, unauthorized release of personal or confidential customer information and other operational disruptions that could severely impede our ability to conduct our business and administer the Contract (e.g., calculate Contract values or process transactions). Operational disruptions and system failures also could occur based on other natural or man-made events, which could have similar impacts on your Contract. Although we make substantial efforts to protect our computer systems from these security risks, including internal processes and technological defenses that are preventative or detective, and other controls designed to provide multiple layers of security assurance, there can be no guarantee that we or our service providers will avoid all cyber-security incidents in the future. It is possible that a cyber-security incident could persist for an extended period of time without detection.</div><div style="margin-top:6.05pt;text-indent:27pt">If your Contract is adversely affected as a result of the failure of our cyber-security controls, we will take reasonable steps to restore your Contract.</div> <div>Risk of Loss in Index-Linked Segment Options</div><div style="margin-top:6.45pt;text-indent:27pt">An investment in this Contract is subject to the risk of poor investment performance of the Index-Linked Segment Options to which you have allocated Accumulated Value. You can lose money by investing in this Contract, including loss of principal and/or prior earnings. While limited protection from Index losses may be </div><div style="margin-top:6.45pt">provided under your Contract through a Buffer Segment Option, Peak Buffer Segment Option or Floor Segment Option, you bear some level of the risk of decline in your Contract’s Accumulated Value resulting from the performance of the Index-Linked Segment Options. The risk of losses may be significant. </div><div style="margin-top:6.45pt;text-indent:27pt">Because of potential Equity Adjustments and/or Bond Adjustments, in extreme circumstances, it is possible the total loss could be 100% (i.e., a complete loss of your Premium Payment and any prior earnings) even if your Contract is outside of the Surrender Charge period. While the Equity Adjustment only applies on dates other than the Segment End Date, the Bond Adjustment may always apply, even on the Segment End Date. For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS.</div><div style="margin-top:0.3pt"> </div><div style="margin-top:0.05pt">Risk of Loss in Exercising Free Look</div><div style="margin-top:6.55pt;text-indent:27pt">Upon exercising your free look rights, the amount we will return to you will be based on the state law applicable to your Contract as follows:</div><div style="margin-top:6pt;padding-left:79.45pt;text-indent:-18pt">•In the states that require us to return your Premium Payment, we will return your Premium Payment without any interest earned.</div><div style="margin-top:5.95pt;padding-left:79.45pt;text-indent:-18pt">•In states where we return your Contract Accumulated Value, the free look amount will be the Contract Accumulated Value plus any premium tax charge deducted. If you have elected to have taxes withheld, we will subtract any applicable federal and state income tax withholding from the amount returned to you. In addition, with respect to any portion of your Premium Payment allocated to an Index-Linked Segment Option, you assume risk of loss due to the possibility of a negative Equity Adjustment. As a result, you may receive less money upon the exercise of your free look rights than you paid into the Contract in Premium Payment.</div><div style="margin-top:6pt;padding-left:79.45pt;text-indent:-18pt">•In states that require us to return the greater of your Premium Payment and your Contract Accumulated Value, the free look amount will be the greater of the values in the previous two bullets.</div><div style="margin-top:5.95pt;text-indent:27pt">For additional information, see 8. PURCHASING THE CONTRACT — Right to Examine the Contract (Free Look).</div> 1 <div>Initial Holding Account Risk</div><div style="margin-top:6.55pt;text-indent:27pt">When you first invest in the Contract, your Premium Payment will be held in the Initial Holding Account temporarily. While in the Initial Holding Account the amount invested earns only a fixed interest rate. We determine the annual interest rate for the Initial Holding Account at our discretion. In no event will we declare an annual interest rate lower than the Guaranteed Minimum Interest Rate of 0.05%. You bear the risk that we will not credit interest at a rate greater than the Guaranteed Minimum Interest Rate.</div><div style="margin-top:6pt;text-indent:27pt">Your Premium Payment (plus credited interest) will be allocated from the Initial Holding Account to your selected Segment Option(s) on the next Segment Start Date (i.e., the next 9th or 23rd of any month), if we received the Premium Payment at least one Valuation Day prior to the next Segment Start Date. If not received by then, the Premium Payment will be allocated to your selected Segment Option(s) on the Segment Start Date immediately following the next Segment Start Date. We reserve the right to hold your Premium Payment (plus credited interest) in the Initial Holding Account until the end of the free look period. If we exercise this right, your Premium Payment would be held in the Initial Holding Account for the duration of the free look period plus the number of days until the next Segment Start Date after the free look period expires. Please note that free look periods vary by state. See APPENDIX C for state variations.</div><div style="margin-top:6.55pt;text-indent:27pt">Depending on when we receive your Premium Payment, when Valuation Days occur in a given calendar month, and the length of the free look period under your Contract, it is possible that your Premium Payment (plus </div><div style="margin-top:6.55pt">credited interest) could be held in the Initial Holding Account for an extended period of time, potentially multiple months. The Contract does not include a specific maximum number of days that the Premium Payment (plus credited interest) may be held in the Initial Holding Account. The specific number of days will depend on your circumstances, the allocation rules described above, and potentially factors that are beyond our control, such as unanticipated closures of the New York Stock Exchange. For example, assume that we receive your application in Good Order and your Premium Payment on October 9, 2024, we exercise our right to hold your Premium Payment in the Initial Holding Account until the end of the free look period, and the longest free look period currently possible of 45 days (for replacement Contracts issued in Pennsylvania) applies. Based on these assumptions, your Premium Payment (plus credited interest) would remain in the Initial Holding Account until December 9, 2024 (61 days total).</div><div style="margin-top:5.9pt;text-indent:27pt">For additional information, see 8. PURCHASING THE CONTRACT — Initial Holding Account.</div> <div>Index Performance Risk</div><div style="margin-top:5.95pt;text-indent:27pt">If you invest in an Index-Linked Segment Option, you will be exposed to the investment risks associated with the applicable Index, including the following:</div><div style="margin-top:5.95pt;padding-left:79.45pt;text-indent:-18pt">•The performance of an Index is based on changes in the values of the securities or other assets that compose the Index. The securities and assets composing the Indices are subject to a variety of investment risks, many of which are complicated and interrelated.</div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•The performance of an Index will fluctuate, sometimes rapidly and unpredictably. Both short-term and long-term negative Index performance, over one or multiple Segment Terms, may cause you to lose principal or previous earnings. The historical performance of an Index does not guarantee future results. It is impossible to predict whether an Index will perform positively or negatively over the course of a Segment Term or multiple Segment Terms.</div><div style="margin-top:5.8pt;padding-left:79.45pt;text-indent:-18pt">•Each Index’s performance is subject to market risk, equity risk and issuer risk (in addition to other risks identified in this section):</div><div style="margin-top:5.9pt;padding-left:100.35pt;text-indent:-10pt">•Market Risk. Each Index could decrease in value over short periods due to short-term market movements and over longer periods during more prolonged market downturns. Negative fluctuations in the value of an Index may be significant and unpredictable.</div><div style="margin-top:5.95pt;padding-left:100.35pt;text-indent:-10pt">•Equity Risk. Each Index is comprised of equity securities. Equity securities are subject to changes in value, and their values may be more volatile than those of other asset classes. Equity securities may underperform in comparison to the general financial markets, a particular financial market, or other asset classes.</div><div style="margin-top:5.9pt;padding-left:100.35pt;text-indent:-10pt">•Issuer Risk. The performance of each Index depends on the performance of individual securities included in the Index. Changes in the financial condition, credit rating, or public perception of an issuer of those securities may cause the value of the issuer’s securities to decline.</div><div style="margin-top:5.9pt;padding-left:79.45pt">In recent years, the financial markets have at times experienced periods of significant volatility and negative returns, contributing to an uncertain and evolving economic environment. The performance of the markets has been impacted by several interrelating factors such as, but not limited to, natural disasters, public health crises, inflation, political and social developments, and military and governmental actions. You should consult with your financial professional about how market conditions may impact your investment decisions under the Contract.</div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•We calculate an Index Change by comparing the value of the Index between two specific points in time, which means the performance of the Index may be negative or flat for the Segment </div><div style="margin-top:5.9pt;padding-left:79.45pt">Term as a whole (including a multi-year Segment Term) even if the Index performed positively for certain periods of time during the Segment Term.</div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•An investment in an Index-Linked Segment Option is not an investment in the companies that compose the applicable Index. You will not be invested in the Index or in the securities tracked by the Index. You will have no voting rights, no rights to receive cash dividends or other distributions and no other rights with respect to the companies that make up the Index. An investment in an Index-Linked Segment Option is an investment in your Contract and amounts that you invest in the Contract become assets of the Company. </div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•The S&P 500® Price Return Index, S&P MidCap 400® Price Return Index, Russell 2000® Price Return Index, MSCI EAFE Price Return Index and Nasdaq-100 Price Return Index® are “price return” indices, meaning the Index return does not include any dividends or other distributions declared by the companies included in the Index. This results in lower Index Values and, therefore, may negatively impact the performance of the Contract. The SG Smart Climate Index reflects deductions and costs that result in lower Index Values and, therefore, may negatively impact the performance of the Contract.</div><div style="margin-top:5.9pt;padding-left:70.45pt">In addition to the foregoing, each Index has its own unique risks, as follows:</div><div style="margin-top:5.9pt;padding-left:70.45pt">[To be updated by amendment]</div><div style="margin-top:5.95pt;padding-left:79.45pt;text-indent:-18pt">•The S&P 500® Price Return Index</div><div style="margin-top:6pt;padding-left:79.45pt">This Index is composed of equity securities issued by large-capitalization (“large cap”) U.S. companies. Generally, it is more difficult for large-cap companies to pivot their strategies quickly in response to changes in their industry. In addition, because they typically are more well-established, it is rare to see large-cap companies have the high growth rates that can be seen with mid-capitalization (“mid cap”) or small-capitalization (“small cap”) companies.</div><div style="margin-top:5.95pt;padding-left:79.45pt;text-indent:-18pt">•The S&P MidCap 400® Price Return Index</div><div style="margin-top:5.95pt;padding-left:79.45pt">Index-Linked Segment Options linked to this Index are available for new Segment Terms beginning on or after May 18, 2026.</div><div style="margin-top:6pt;padding-left:81.35pt">This Index is composed of equity securities issued by mid cap U.S. companies. Historically, compared to large cap companies, the securities of mid cap companies have tended to be more volatile, less liquid, and more sensitive to adverse economic developments.</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•Russell 2000® Price Return Index</div><div style="margin-top:6.25pt;padding-left:79.45pt">This Index is composed of equity securities of small cap U.S. companies. Historically, among the large cap, mid cap, and small cap company asset classes, the securities of small cap companies have tended to be the most volatile, least liquid, and most sensitive to adverse economic developments. </div><div style="margin-top:6.1pt;padding-left:81pt;text-indent:-18pt">•MSCI EAFE Price Return Index </div><div style="margin-top:6.25pt;padding-left:79.45pt">Index-Linked Segment Options linked to this Index are no longer available for Segment Terms beginning after May 1, 2025, except for the initial Segment Term for Contracts with applications signed on or before May 1, 2025.</div><div style="margin-top:6.25pt;padding-left:79.45pt">This Index is composed of equity securities and is designed to represent the performance of large and mid-cap securities across 21 developed markets around the world but excluding the U.S. and Canada. The value of foreign securities may fall due to adverse political, social and economic developments abroad and due to decreases in foreign currency values relative to the </div><div style="margin-top:6.25pt;padding-left:79.45pt">U.S. dollar. Also, foreign securities are sometimes less liquid and more difficult to sell and to value than securities of U.S. issuers. Shifts in these factors can result in this Index being more volatile than other Indices.</div><div style="margin-top:4.35pt;padding-left:79.45pt;text-indent:-18pt">•Nasdaq-100 Price Return Index®</div><div style="margin-top:4.35pt;padding-left:79.45pt">This Index is composed of equity securities issued by large-cap U.S. and non-U.S. companies, excluding financial companies. To the extent the Index is comprised of securities issued by companies in a particular sector, those securities may not perform as well as the securities of companies in other sectors or the market as a whole. The value of foreign securities may fall due to adverse political, social and economic developments abroad and due to decreases in foreign currency values relative to the U.S. dollar. Also, foreign securities are sometimes less liquid and more difficult to sell and to value than securities of U.S. issuers.</div><div style="margin-top:6.35pt;padding-left:79.45pt;text-indent:-18pt">•SG Smart Climate Index</div><div style="margin-top:6.25pt;padding-left:81pt">Index-Linked Segment Options linked to this Index are no longer available for Segment Terms beginning on or after May 18, 2026, except for the initial Segment Term for Contracts with applications signed before May 18, 2026.</div><div style="margin-top:6.25pt;padding-left:79.45pt">This Index provides investment exposure to the performance of large-cap U.S. stocks that are selected based on proprietary climate risk preparedness scores and certain environmental, social and governance (ESG) filters. The Index provides exposure to such stocks through its underlying Index, the SG Climate Transition Risk Index (the “Underlying SGI Index”).</div><div style="margin-top:6.2pt;padding-left:79.45pt">The Index is subject to several risks, such as the following:</div><div style="margin-top:6.25pt;padding-left:99pt;text-indent:-10pt">•ESG Methodology Risk. The Underlying SGI Index is composed of stocks that are selected based on an ESG methodology that includes climate risk scores and ESG exclusion filters. Investors’ views about ESG matters may differ from the Underlying SGI Index’s ESG methodology. As such, the ESG methodology may not reflect the beliefs or values of any particular investor. There is no guarantee that the ESG methodology will ultimately enhance the performance of the Index. The ESG methodology could detract from the performance of the Index, as companies with lower ESG ratings may perform better than companies with higher ESG ratings over the short or long term. Due to the inherent difficulty of forecasting within complex systems and the general unpredictability of future events, there is no guarantee that the predictive climate risk models used by the Underlying SGI Index will identify stocks that will perform well if climate events occur.</div><div style="margin-top:6.2pt;padding-left:99pt">Same as an Index-Linked Segment Option linked to any other Index, if you invest in an Index-Linked Segment Option linked to the SG Smart Climate Index, you are not investing in the companies that comprise the Index (including the Underlying SGI Index). Instead, you are investing in your Contract. Amounts that you invest in the Contract become assets of the Company. The assets in the Company's general account, which the Company invests to support its payment obligations under the Contract, are not invested based on ESG criteria.</div><div style="margin-top:6pt;padding-left:99.4pt;text-indent:-10.1pt">•Performance Drag Risk. The performance of the Index will always be worse than the performance of the underlying index. The Index reflects deductions that reduce performance, including a negative performance adjustment equal to 1.50% and fixed replication costs equal to 0.50%, each as an annualized percentage of Index Value. In addition, the performance of the Index is reduced by assumed costs of borrowing equal to the U.S. Federal Funds Rate. As of December 31, 2025, the U.S. Federal Funds Rate was 3.64%. The U.S. Federal Funds Rate will fluctuate over time and may be higher or lower in the future. Without these deductions, the performance of the Index over any one year period would be higher by approximately 2.00% plus the U.S. Federal Funds Rate. While these deductions are not charges under the Contract, they result in lower Index Values and may therefore negatively impact the performance of your Contract.</div><div style="margin-top:6.05pt;padding-left:99pt;text-indent:-10pt">•Large-Cap Risk. Large-cap companies may be less able than smaller capitalization companies to adapt to changing market conditions. Large-cap companies may be more mature and subject to more limited growth potential compared with smaller capitalization companies. During different market cycles, the performance of large-cap companies has trailed the overall performance of the broader securities markets.</div><div style="margin-top:6.15pt;padding-left:99pt;text-indent:-10pt">•Index Disruption Risk. Disruptive and extraordinary events could impair the operation of the Index or the Underlying SGI Index. For example, these events could relate to the unavailability of necessary data to apply the ESG methodology, an insufficient number of eligible stocks or the termination or breach of a third-party licensing agreement. Should a disruptive or extraordinary event occur, the Index provider may take any actions permitted by the Index rules, such as postponing calculations or rebalances, adjusting the terms of an Index to preserve its economic characteristics, restating Index values or discontinuing the Index.</div><div style="margin-top:5.75pt;padding-left:99pt;text-indent:-10pt">•New Index Risk. The Index and the Underlying SGI Index have limited performance histories. Generally, there is less publicly available information about the Index and the Underlying SGI Index compared to more established market indexes. Inquiries regarding the Index or the Underlying SGI Index should be directed to your financial professional or Principal Life Insurance Company either by:</div><div style="margin-top:5.7pt;padding-left:121.5pt;text-indent:-10pt">•Calling us at 1-800-852-4450 between the hours of 7 a.m. and 6 p.m. Central Time</div><div style="margin-bottom:6pt;margin-top:6.15pt;padding-left:121.5pt;text-indent:-10pt">•Sending us your inquiry at the below address:</div><div style="padding-left:126pt;text-indent:-4.5pt">Principal Life Insurance Company</div><div style="padding-left:126pt;text-indent:-4.5pt">Attn: RIS Annuity Services P O Box 9382</div><div style="padding-left:126pt;text-indent:-4.5pt">Des Moines, Iowa 50306-9382</div><div style="margin-top:6.2pt;text-indent:27pt">For more detailed information about this and the other available Indices, see APPENDIX B: ADDITIONAL INDEX DISCLOSURES.</div> <div style="margin-top:6pt;padding-left:79.45pt">This Index is composed of equity securities issued by large-capitalization (“large cap”) U.S. companies. Generally, it is more difficult for large-cap companies to pivot their strategies quickly in response to changes in their industry. In addition, because they typically are more well-established, it is rare to see large-cap companies have the high growth rates that can be seen with mid-capitalization (“mid cap”) or small-capitalization (“small cap”) companies.</div> <div style="margin-top:5.95pt;padding-left:79.45pt">Index-Linked Segment Options linked to this Index are available for new Segment Terms beginning on or after May 18, 2026.</div><div style="margin-top:6pt;padding-left:81.35pt">This Index is composed of equity securities issued by mid cap U.S. companies. Historically, compared to large cap companies, the securities of mid cap companies have tended to be more volatile, less liquid, and more sensitive to adverse economic developments.</div> This Index is composed of equity securities of small cap U.S. companies. Historically, among the large cap, mid cap, and small cap company asset classes, the securities of small cap companies have tended to be the most volatile, least liquid, and most sensitive to adverse economic developments. <div style="margin-top:6.25pt;padding-left:79.45pt">Index-Linked Segment Options linked to this Index are no longer available for Segment Terms beginning after May 1, 2025, except for the initial Segment Term for Contracts with applications signed on or before May 1, 2025.</div><div style="margin-top:6.25pt;padding-left:79.45pt">This Index is composed of equity securities and is designed to represent the performance of large and mid-cap securities across 21 developed markets around the world but excluding the U.S. and Canada. The value of foreign securities may fall due to adverse political, social and economic developments abroad and due to decreases in foreign currency values relative to the </div><div style="margin-top:6.25pt;padding-left:79.45pt">U.S. dollar. Also, foreign securities are sometimes less liquid and more difficult to sell and to value than securities of U.S. issuers. Shifts in these factors can result in this Index being more volatile than other Indices.</div> <div style="margin-top:4.35pt;padding-left:79.45pt">This Index is composed of equity securities issued by large-cap U.S. and non-U.S. companies, excluding financial companies. To the extent the Index is comprised of securities issued by companies in a particular sector, those securities may not perform as well as the securities of companies in other sectors or the market as a whole. The value of foreign securities may fall due to adverse political, social and economic developments abroad and due to decreases in foreign currency values relative to the U.S. dollar. Also, foreign securities are sometimes less liquid and more difficult to sell and to value than securities of U.S. issuers.</div> <div style="margin-top:6.25pt;padding-left:81pt">Index-Linked Segment Options linked to this Index are no longer available for Segment Terms beginning on or after May 18, 2026, except for the initial Segment Term for Contracts with applications signed before May 18, 2026.</div><div style="margin-top:6.25pt;padding-left:79.45pt">This Index provides investment exposure to the performance of large-cap U.S. stocks that are selected based on proprietary climate risk preparedness scores and certain environmental, social and governance (ESG) filters. The Index provides exposure to such stocks through its underlying Index, the SG Climate Transition Risk Index (the “Underlying SGI Index”).</div><div style="margin-top:6.2pt;padding-left:79.45pt">The Index is subject to several risks, such as the following:</div><div style="margin-top:6.25pt;padding-left:99pt;text-indent:-10pt">•ESG Methodology Risk. The Underlying SGI Index is composed of stocks that are selected based on an ESG methodology that includes climate risk scores and ESG exclusion filters. Investors’ views about ESG matters may differ from the Underlying SGI Index’s ESG methodology. As such, the ESG methodology may not reflect the beliefs or values of any particular investor. There is no guarantee that the ESG methodology will ultimately enhance the performance of the Index. The ESG methodology could detract from the performance of the Index, as companies with lower ESG ratings may perform better than companies with higher ESG ratings over the short or long term. Due to the inherent difficulty of forecasting within complex systems and the general unpredictability of future events, there is no guarantee that the predictive climate risk models used by the Underlying SGI Index will identify stocks that will perform well if climate events occur.</div><div style="margin-top:6.2pt;padding-left:99pt">Same as an Index-Linked Segment Option linked to any other Index, if you invest in an Index-Linked Segment Option linked to the SG Smart Climate Index, you are not investing in the companies that comprise the Index (including the Underlying SGI Index). Instead, you are investing in your Contract. Amounts that you invest in the Contract become assets of the Company. The assets in the Company's general account, which the Company invests to support its payment obligations under the Contract, are not invested based on ESG criteria.</div><div style="margin-top:6pt;padding-left:99.4pt;text-indent:-10.1pt">•Performance Drag Risk. The performance of the Index will always be worse than the performance of the underlying index. The Index reflects deductions that reduce performance, including a negative performance adjustment equal to 1.50% and fixed replication costs equal to 0.50%, each as an annualized percentage of Index Value. In addition, the performance of the Index is reduced by assumed costs of borrowing equal to the U.S. Federal Funds Rate. As of December 31, 2025, the U.S. Federal Funds Rate was 3.64%. The U.S. Federal Funds Rate will fluctuate over time and may be higher or lower in the future. Without these deductions, the performance of the Index over any one year period would be higher by approximately 2.00% plus the U.S. Federal Funds Rate. While these deductions are not charges under the Contract, they result in lower Index Values and may therefore negatively impact the performance of your Contract.</div><div style="margin-top:6.05pt;padding-left:99pt;text-indent:-10pt">•Large-Cap Risk. Large-cap companies may be less able than smaller capitalization companies to adapt to changing market conditions. Large-cap companies may be more mature and subject to more limited growth potential compared with smaller capitalization companies. During different market cycles, the performance of large-cap companies has trailed the overall performance of the broader securities markets.</div><div style="margin-top:6.15pt;padding-left:99pt;text-indent:-10pt">•Index Disruption Risk. Disruptive and extraordinary events could impair the operation of the Index or the Underlying SGI Index. For example, these events could relate to the unavailability of necessary data to apply the ESG methodology, an insufficient number of eligible stocks or the termination or breach of a third-party licensing agreement. Should a disruptive or extraordinary event occur, the Index provider may take any actions permitted by the Index rules, such as postponing calculations or rebalances, adjusting the terms of an Index to preserve its economic characteristics, restating Index values or discontinuing the Index.</div><div style="margin-top:5.75pt;padding-left:99pt;text-indent:-10pt">•New Index Risk. The Index and the Underlying SGI Index have limited performance histories. Generally, there is less publicly available information about the Index and the Underlying SGI Index compared to more established market indexes. Inquiries regarding the Index or the Underlying SGI Index should be directed to your financial professional or Principal Life Insurance Company either by:</div><div style="margin-top:5.7pt;padding-left:121.5pt;text-indent:-10pt">•Calling us at 1-800-852-4450 between the hours of 7 a.m. and 6 p.m. Central Time</div><div style="margin-bottom:6pt;margin-top:6.15pt;padding-left:121.5pt;text-indent:-10pt">•Sending us your inquiry at the below address:</div><div style="padding-left:126pt;text-indent:-4.5pt">Principal Life Insurance Company</div><div style="padding-left:126pt;text-indent:-4.5pt">Attn: RIS Annuity Services P O Box 9382</div><div style="padding-left:126pt;text-indent:-4.5pt">Des Moines, Iowa 50306-9382</div> <div>Liquidity Risk</div><div style="margin-top:6.15pt;text-indent:27pt">Liquidity Risk Generally</div><div style="margin-top:6.15pt;text-indent:27pt">This Contract is not suitable as a short-term savings vehicle and is not appropriate if you need ready access to cash. The benefits of tax deferral and allocation to Segment Options for the full Segment Terms are better for investors with long investment time horizons. Surrender charges apply for up to six years after the Premium Payment and these charges will reduce the value of your Contract if you withdraw money during that time.</div><div style="margin-top:5.75pt;text-indent:27pt">A Bond Adjustment will generally apply upon any withdrawal, death benefit or Annuitization from any Segment Option on any date (including a Segment End Date), subject to certain exceptions discussed in this prospectus. The dollar amount of a Bond Adjustment is calculated based on the reduction to the Crediting Base for a Segment Option, and is then applied to the amount Surrendered. A partial withdrawal or Annuitization may reduce the Crediting Base by more than the amount Surrendered. In extreme circumstances, you could lose up to 100% of the amount Surrendered due to a negative Bond Adjustment. See 7. FEES, CHARGES AND ADJUSTMENTS — Bond Adjustment for additional information.</div><div style="margin-top:5.6pt;text-indent:27pt">While the Contract provides for a Free Surrender Amount not subject to Surrender Charges (or Bond Adjustments for Contracts with applications signed on or after May 1, 2025), the Free Surrender Amount is limited. For Contracts with applications signed on or after May 1, 2025, withdrawals of the Free Surrender Amount may be subject to negative Equity Adjustments, taxes and tax penalties. For Contracts with applications signed before May 1, 2025, withdrawals of the Free Surrender Amount may be subject to negative Equity Adjustments, negative Bond Adjustments, taxes and tax penalties. </div><div style="margin-top:5.6pt;text-indent:27pt">There may be adverse tax consequences if you take early withdrawals from the Contract, including amounts withdrawn from the Contract being subject to a 10% federal penalty if taken before age 59½, which would be in addition to any other federal or state income taxes payable.</div><div style="margin-top:6.25pt;text-indent:27pt">Limits on Transfers</div><div style="margin-top:6.3pt;text-indent:27pt">The restrictions applicable to Transfers also creates liquidity risk. You are only able to make Transfers of Accumulated Value among the various Segment Options at the end of a Segment Term. This significantly limits your ability to react to changes in market conditions during Segment Terms. </div><div style="margin-top:6.3pt;text-indent:27pt">Your Transfer requests must be received by us at least two Valuation Days prior to the end of a Segment Term. If you submit a Transfer request but we do not receive it prior to the start of that two-day period, your Accumulated Value will be automatically re-invested as described in 11. OPTIONS AT END OF SEGMENT TERM. The Segment End Date counts as one of those two Valuation Days if the Segment End Date is on a Valuation Day. If the Segment End Date is not on a Valuation Day, the Valuation Day prior to the Segment End Date is the end of that two-day period. For example, if the Segment End Date is a Saturday, the end of the two-day period is the preceding Friday, and your Transfer request must be received by us before the end of the Valuation Day on the preceding Wednesday. This example assumes no holidays during this period.</div><div style="margin-top:4.35pt;text-indent:27pt">In the absence of timely instructions in Good Order, your Accumulated Value in the ended Segment Option will be automatically re-invested in the same Segment Option for a new Segment Term (with the Cap Rate, Participation Rate or annual interest rate applicable to a new Segment Term), provided that the same Segment Option is available for a new Segment Term. </div><div style="margin-top:4.35pt;text-indent:27pt">If we do not receive timely instructions in Good Order and the same Index-Linked Segment Option is no longer available, the Accumulated Value in the ended Segment Option will be automatically Transferred to the applicable default option, as follows:</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•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.</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•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 </div><div style="margin-top:6.1pt;padding-left:79.45pt">Rate and Participation Rate applicable to a new Segment Term). If there are multiple such Segment Options available, the Accumulated Value in the ended Segment Option will be automatically Transferred to the one with the higher Cap Rate limitation. 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). </div><div style="margin-top:6.1pt;text-indent:27pt">We reserve the right to change the default Segment Options as described above in the future (e.g., we may designate the sole Index-Linked Segment Option that we guarantee to make available for the life of the Contract as the default option in all cases).</div><div style="margin-top:5.95pt;text-indent:27pt">Please note, the Cap Rate, Participation Rate or annual interest rate we declare for the new Segment Term may differ (higher or lower) from the previous Segment Term, subject to the guaranteed limits described in this prospectus.</div><div style="margin-top:6pt;text-indent:27pt">Transfers from a Segment Option are only allowed on the Segment End Date. If you wish to Transfer, you must Notify us at least two Valuation Days prior to the end of the Segment Term for the given Segment Option. The Segment End Date counts as one of those two Valuation Days if the Segment End Date is on a Valuation Day. If you fail to Transfer Accumulated Value at the end of a Segment Term and do not wish to remain invested in a particular Segment Option for another Segment Term, you may take a full withdrawal of the related Accumulated Value. Withdrawing all or some of the Accumulated Value may cause you to incur Surrender Charges, negative Bond Adjustments, negative Equity Adjustments, taxes and tax penalties, as discussed in this section. If you purchase another investment vehicle, it may have different features, fees and risks than this Contract. For additional information, see 11. OPTIONS AT END OF SEGMENT TERM.</div><div style="margin-top:5.95pt;text-indent:27pt">Liquidity Risks Related to Segment Interim Value</div><div style="margin-top:6.6pt;text-indent:27pt">See “Segment Interim Value Risk” below for information on how liquidity risks relate to our Interim Value calculation.</div><div style="margin-top:5.95pt;text-indent:27pt">Consequences of Withdrawals/Surrenders Generally</div><div style="margin-top:6.6pt;text-indent:27pt">There is a risk of loss of principal and/or prior earnings if you take a withdrawal from your Contract during the first six Contract Years where a Surrender Charge would be deducted. Withdrawals may also be subject to negative Bond Adjustments, negative Equity Adjustments and taxes and tax penalties, all of which may result in loss of principal and/or prior earnings. These may result in loss even when the Index for an Index-Linked Segment Option has performed positively. Withdrawals will also reduce the death benefit, perhaps by more than the amount withdrawn. Withdrawals under the Contract include full withdrawals, partial withdrawals, RMD withdrawals, scheduled withdrawals, unscheduled withdrawals and withdrawals of the Free Surrender Amount. Annuitizations and death benefits are subject to similar risks as withdrawals. They may be subject to negative Bond Adjustments whenever they occur, even on a Segment End Date. They may also be subject to negative Equity Adjustments if they occur prior to a Segment End Date for an Index-Linked Segment Option. If you set up scheduled withdrawals, your exposure to these risks will repeat as long as the scheduled withdrawals continue.</div><div style="margin-top:5.95pt;text-indent:27pt">Other than implicit ongoing fees to the extent that your participation in Index gains is limited by our use of a Cap Rate or Participation Rate (i.e., the extent to which your positive returns, if any, under an Index-Linked Segment Option are lower than the Index's returns due to our application of a Cap Rate or Participation Rate), the only potential ongoing charges with this Contract are the charges for the optional Rate Enhancement Rider and optional Annual Step-Up Death Benefit. If you elect either optional benefit with your Contract, the ongoing charge for the rider could also cause amounts available for withdrawal under your Contract to be less than what has been invested in the Contract, even if Index performance has been positive.</div><div style="margin-top:7.95pt;text-indent:27pt">Any limits on downside loss provided by the floor feature or buffer feature, as applicable, are for the entire Segment Term for a particular Segment Option and are not annual limits.</div><div style="margin-top:6pt;text-indent:27pt">We may defer payments under this Contract for up to six months if the insurance regulatory authority of the state in which we issued the Contract approves such deferral.</div><div style="margin-top:5.95pt;text-indent:27pt">For additional information, see 12. WITHDRAWALS.</div> <div style="margin-top:4.35pt">Fixed Segment Option Risk</div><div style="margin-top:6.65pt;text-indent:27pt">We determine the annual interest rate for the Fixed Segment Option at our discretion. In no event will we declare an annual interest rate lower than the Guaranteed Minimum Interest Rate of 0.05%. You bear the risk that we will not credit interest for a new Segment Term at a rate greater than the Guaranteed Minimum Interest Rate. There is no guarantee that the Fixed Segment Option will be made available for future Segment Terms.</div> <div>Credit Risks</div><div style="margin-top:6.55pt;text-indent:27pt">Our general account assets support our financial guarantees under the Contract and are subject to the claims of our creditors. As such, the guarantees under the Contract are subject to our financial strength and claims-paying ability. There is a risk that we may default on those guarantees. You need to consider our financial strength and claims-paying ability in meeting the guarantees under the Contract. You may obtain information on our financial condition by reviewing our financial statements included in the Statement of Additional Information. </div><div style="margin-top:5.95pt;text-indent:27pt">The amount you invest is not placed in a registered separate account and your rights under the Contract to invested assets and the returns on those assets are subject to Company’s claims-paying ability. The unregistered Separate Account that we use to support the Index-Linked Segment Options is non-unitized, which means neither an Owner nor amounts allocated to the Segment Options participate in the performance of the assets held in the Separate Account.</div><div style="margin-top:6pt;text-indent:27pt">The assets in the unregistered Separate Account are insulated, which means they are not subject to the claims of the creditors of the Company.</div> <div style="margin-top:6pt">Segment Interim Value Risk</div><div style="margin-top:6pt;text-indent:27pt">On each Valuation Day of the Segment Term, other than the first and last day, we determine the Segment Interim Value for each Index-Linked Segment Option. In order to calculate your Segment Interim Value, we apply a formula that is not directly tied to the actual performance of the applicable Index. Instead, we calculate it by determining the value of hypothetical investments and derivatives that we may or may not actually hold in order to provide a current estimate of the value of the Segment Option at the end of the Segment Term. This means that even if the Index has performed positively, it is possible that the Segment Interim Value may have decreased. For more information and to see how we calculate the Segment Interim Value, see 7. FEES, CHARGES AND ADJUSTMENTS – Equity Adjustment and 10. INDEX-LINKED SEGMENT OPTION MECHANICS – Segment Interim Value. </div><div style="margin-top:6pt;text-indent:27pt">Segment Interim Value is calculated using the Crediting Base and the applicable Equity Adjustment. The Segment Interim Value always reflects the Equity Adjustment. A Segment Interim Value (and, in turn, the Equity Adjustment) will apply to your Contract when any of the following transactions occurs during a Segment Term on any date other than the Segment Start Date or Segment End Date: (i) any withdrawal from an Index-Linked Segment Option, including a full withdrawal, partial withdrawal, withdrawal of the Free Surrender Amount, RMD withdrawal, scheduled withdrawal or unscheduled withdrawal; (ii) any Annuitization of Contract Accumulated Value in an Index-Linked Segment Option; (iii) any death benefit, if Contract Accumulated Value is allocated to an Index-Linked Segment Option; (iv) the deduction of daily charges for the optional Annual Step-Up Death Benefit from an Index-Linked Segment Option; or (v) Segment Lock-In is exercised. In extreme circumstances, you could lose up to 100% of your investment due to a negative Equity Adjustment.</div><div style="margin-top:5.95pt;text-indent:27pt">If you allocate Accumulated Value to an Index-Linked Segment Option, Segment Credits will not be credited to your Accumulated Value in the particular Segment Option until the end of the Segment Term. Amounts </div><div style="margin-top:5.95pt">withdrawn from an Index-Linked Segment Option prior to the end of a Segment Term will not have a Segment Credit applied to it. This includes Accumulated Value being applied to pay a death benefit or to an Annuitization option during a Segment Term. Except for the first and last Valuation Day of a Segment Term, your Segment Interim Value is the amount available for withdrawals, Annuitization and death benefits (collectively, “Surrenders”) and to pay charges for the optional Annual Step-Up Death Benefit, if elected. There is risk that this Segment Interim Value could be less than your original Premium Payment even if the applicable Index has been performing positively.</div><div style="margin-top:6pt;text-indent:27.35pt">Partial withdrawals, partial Annuitizations, and rider fees deducted from Segment Interim Value for an Index-Linked Segment Option will also reduce your Crediting Base for that Segment Option. The Crediting Base will be proportionately reduced, and this reduction could be greater than the amount Surrendered or the fee deducted. On the Segment End Date, the Crediting Base is reduced (after the application of Segment Credit) by the amount Surrendered or the fee deducted. A reduction to your Crediting Base prior to the end of the Segment Term for an Index-Linked Segment Option will result in lower Segment Interim Values for the remainder of the Segment Term. Also, a reduction to your Crediting Base will result in less gain or more loss, as applicable, at the end of a Segment Term.</div><div style="margin-top:6pt;text-indent:27.35pt">If you elect the optional Annual Step-Up Death Benefit, due to the deduction of daily rider charges, an Equity Adjustment and proportionate reduction to your Crediting Base will apply every day of every Segment Term other than the Segment Start Date and Segment End Date. The negative impacts to the value of your Contract could be significantly greater than the dollar amount of the fees paid for the benefit. See 7. FEES, CHARGES AND ADJUSTMENTS — Optional Benefit — Annual Step-Up Death Benefit.</div> <div>Buffer and Floor Rate Risk</div><div style="margin-top:6.55pt;text-indent:27pt">The Buffer or Floor Rate that is applicable to a Segment Option provides you with only limited or no protection from negative Index performance at the end of a Segment Term. You could lose a significant amount of your Premium Payment and/or prior earnings under the Contract.</div><div style="margin-top:6pt;text-indent:27pt">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: 100% loss for a 0% Buffer Rate; 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.</div><div style="margin-top:6pt;text-indent:27pt">You could lose a significant amount of money if an Index declines in value. 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. 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).</div><div style="margin-top:6pt;text-indent:27pt">You also bear the risk that continued negative Index Changes may result in zero or negative Segment Credits being credited to your Accumulated Value over multiple Segment Terms. Given that the Floor Rate and Buffer Rate (as applicable) are expressed as to a single Segment Term, if an Index-Linked Segment Option is credited with negative Segment Credits for multiple Segment Terms, the cumulative loss may exceed the stated limit of the Buffer Rate or Floor Rate for any single Segment Term. </div><div style="margin-top:6pt;text-indent:27pt">The Index-Linked Segment Options with a 0% Buffer Rate provide no protection from Index losses. You could lose up to 100% of your investment if the Index declines in value.</div><div style="margin-top:6pt;text-indent:27pt">As of May 18, 2026, we are no longer offering Floor Segment Options for new Segment Terms. Contracts with applications signed before May 18, 2026 may select an available Floor Segment Option for the initial Segment Term. We reserve the right to offer Floor Segment Options in the future. If you are interested in an </div><div style="margin-top:6pt">Index-Linked Segment Option that provides complete protection from Index losses, you should discuss the Index-Linked Segment Options with a 100% Buffer Rate (each with a 6-Year Segment Term) with your financial professional. These Segment Options are available for investment on or after May 18, 2026, and provide the same level of protection from Index losses as a 0% Floor Rate. However, please note: (i) they are subject to the availability restrictions for Index-Linked Segment Options with 6-Year Segment Terms; (ii) you must hold your investment for 6 years in order to be protected from Index losses, and (iii) we may limit Index gains to a greater degree than other Index-Linked Segment Options based on the Cap Rate or Participation Rate we declare. You should also understand that, even if you select a 100% Buffer Rate, you could experience losses due to Surrender Charges, negative Bond Adjustments, negative Equity Adjustments, and/or taxes and tax penalties. Any such losses will not be tied to Index performance, will not be subject to the 100% Buffer Rate’s downside protection, and could be greater than any losses experienced by an Index. </div><div style="margin-top:6pt;text-indent:27pt">Any limits on downside loss provided by the floor feature or buffer feature, as applicable, are for the entire Segment Term for a particular Segment Option and are not annual limits. </div><div style="margin-top:5.95pt;text-indent:27pt">For withdrawals, Annuitizations and death benefits that occur during a Segment Term, you or your beneficiaries (as applicable) will not receive the full protection of the Buffer Rate or Floor Rate in the calculation of the Segment Interim Value. In order to receive the full protection, the particular transaction must occur on the Segment End Date. </div><div style="margin-top:5.95pt;text-indent:27pt">For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS.</div> <div>Cap Rate and Participation Rate Risk</div><div style="margin-top:6.6pt;text-indent:27pt">For each Index-Linked Segment Option (other than the Index-Linked Segment Options with a 0% Buffer Rate), positive Index returns at the end of a Segment Term will be subject to a Cap Rate and Participation Rate. </div><div style="margin-top:6.6pt;padding-left:79.45pt;text-indent:-18pt">•The Segment Return will equal the Index Change multiplied by the Participation Rate, up to the Cap Rate. As such, both the Cap Rate and Participation Rate may cause your return to be less than the Index Change. </div><div style="margin-top:6.6pt;padding-left:79.45pt;text-indent:-18pt">•The Cap Rate is a maximum limit on the positive Index Change, if any, that may be credited to your Contract for a given Segment Term. The Cap Rate does not guarantee a certain amount of Segment Credit. We set the Cap Rates at our discretion. You bear the risk that we will not set the Cap Rates higher than 0.50%, which is the guaranteed minimum Cap Rate.</div><div style="margin-top:6.6pt;padding-left:79.45pt">If we do not declare a Cap Rate for a particular Segment Option and Segment Term, the Segment Option will not be subject to a Cap Rate limitation for that Segment Term, but will be subject to the applicable Participation Rate.</div><div style="margin-top:6.6pt;padding-left:79.45pt;text-indent:-18pt">•The Participation Rate represents your participation in a positive Index Change, if any, at the end of the Segment Term, expressed as a percentage. If the Participation Rate is less than 100%, your return will necessarily be less than the positive Index Change. You bear the risk that we will not set the Participation Rates higher than 5.00%, which is the guaranteed minimum Participation Rate.</div><div style="margin-top:5.9pt;padding-left:79.45pt;text-indent:-18pt">•Your risk of investment loss could be significantly greater than the potential for investment gain. For example, assuming the guaranteed minimum Cap Rate of 0.50% and guaranteed minimum Participation Rate of 5.00%, the maximum potential gain at the end of a Segment Term due to positive Index performance would be 0.50%.</div><div style="margin-top:5.75pt;text-indent:27pt"> </div><div style="text-indent:36pt">We set Cap Rates and Participation Rates at our discretion, subject to guaranteed minimums. We consider a number of factors when declaring Cap Rates and Participation Rates, such as the applicable Buffer </div><div>Rate or Floor Rate, costs of financial instruments we use to manage our risk associated with our obligations (which can be impacted by market conditions and forces), sales commissions, administrative expenses, regulatory and tax requirements, general economic trends and competitive factors. </div><div style="margin-top:5.75pt;text-indent:36pt">For the Index-Linked Segment Options with a 0% Buffer Rate, there is no Cap Rate limitation. Your participation in any positive Index performance will be subject to the declared Participation Rate, which will be at least 100%. However, unlike the other Index-Linked Segment Options, a 0% Buffer Rate provides no protection from a negative Index Change. You could lose up to 100% of your investment if the Index declines in value.</div><div style="margin-top:5.75pt;text-indent:27pt">The Cap Rate and Participation Rate declared for a Segment Term are for the entire Segment Term for a particular Segment Option. They are not annual limits.</div><div style="margin-top:5.8pt;text-indent:27pt">For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS.</div> <div>Peak Buffer Risk</div><div style="margin-top:6.15pt;text-indent:27pt">A Peak Buffer Segment Option is subject to the same risks as a Buffer Segment Option. See “Buffer and Floor Rate Risk” above. A Peak Buffer Segment Option has a Buffer Rate that provides you with only limited protection from negative Index performance at the end of a Segment Term. You could lose a significant amount of your Premium Payment and/or prior earnings under the Contract. As noted under “Buffer and Floor Rate Risk” above, limits on downside loss provided by the buffer feature are for the entire Segment Term for a particular Peak Buffer Segment Option and are not annual limits.</div><div style="margin-top:5.7pt;text-indent:27pt">A Peak Buffer Segment Option differs from a Buffer Segment Option only with respect to the potential for gain in the event of a negative Index Change, provided that the negative Index Change does not exceed the Buffer Rate. Even though any gain from a negative Index Change would not be subject to the Cap Rate or Participation Rate, the potential gain would be limited. In no event would any such gain, if any, be greater than the Peak Buffer Midpoint (10%) and could be as low as 0%.</div><div style="margin-top:5.7pt;text-indent:27pt">A Peak Buffer Segment Option will generally have a lower Cap Rate and/or Participation Rate than a Buffer Segment Option with the same Index, Segment Term and Buffer Rate, as Peak Buffer Segment Options generally expose us to more risk than Buffer Segment Options because, under Peak Buffer Segment Options, we may need to credit gain for negative Index performance.</div> <div style="margin-top:0.05pt">Segment Lock-In Risk</div><div style="margin-top:6.15pt;text-indent:27pt">If you exercise a Segment Lock-In, and the locked-in Equity Adjustment is negative, you will be locking-in a loss rather than a gain. The loss could be significant. The Segment Credit you receive upon exercising Segment Lock-In may be lower than the Segment Credit you would have received on the Segment End Date if you hadn’t exercised the Segment Lock-In. Similarly, you may receive a negative Segment Credit due to exercising Segment Lock-In when, had you not exercised Segment Lock-In, you would have received a positive Segment Credit on the Segment End Date. You also may receive less than the full protection of the Buffer Rate or Floor Rate (as applicable). This is due to an Equity Adjustment being applied in calculating the Segment Credit instead of the point-to-point crediting method. If a lock-in is exercised, the Segment Option’s Floor Rate, Buffer Rate, Peak Buffer Midpoint, Cap Rate and Participation Rate (as applicable) will no longer be applied on the Segment End Date. In addition, the amount of the Equity Adjustment is unknown at the time the Segment Lock-In is exercised (as discussed immediately below).</div><div style="margin-top:6.3pt;text-indent:27pt">At the time you exercise a Segment Lock-In, you will not know the locked-in Equity Adjustment in advance because the Equity Adjustment is calculated at the end of the Valuation Day. The locked-in Equity Adjustment could be lower than you anticipated. If you submit a Segment Lock-In request, the locked-in Equity Adjustment may be lower or higher than the Equity Adjustment that was last calculated before you submitted your request. If you establish Lock-In Thresholds, you will not know the locked-in Equity Adjustment in advance, although the locked-in Equity Adjustment will be at least equal to the upper threshold or lower threshold, as applicable. For additional information on how the Equity Adjustment is calculated, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — Segment Interim Value — Calculation of Equity Adjustment.</div><div style="margin-top:4.35pt;text-indent:27pt">You can obtain the current Segment Interim Value and Equity Adjustment by calling us at 1-800-852-4450 or by visiting www.principal.com and using your secure login. However, as explained above, if you were to exercise Segment Lock-In, the locked-in Equity Adjustment may be more or less than the quoted value. You should speak to your financial professional before executing Segment Lock-In.</div><div style="margin-top:6.1pt;text-indent:27pt">If you have selected a Peak Buffer Segment Option for investment, before exercising Segment Lock-In or establishing Lock-In Thresholds, you should consider the fact that if a negative Index Change on the Segment End Date does not exceed the Buffer Rate, you will be credited gain (if the negative Index Change is less than the Buffer Rate) or no loss (if the negative Index Change equals the Buffer Rate). If you lock-in a negative Equity Adjustment, you are locking in the loss reflected in the Equity Adjustment in all cases.</div><div style="margin-top:6.25pt;text-indent:27pt">We will not provide advice or notify you regarding whether you should exercise the Segment Lock-In features or the optimal time for doing so. It is possible that you may exercise Segment Lock-In at a sub- optimal time during the Segment Term, or that there is no optimal time to exercise Segment Lock-In during a Segment Term. We will not warn you if you exercise the Segment Lock-In features at a sub-optimal time. We are not responsible for any losses or forgone gains related to your decision whether or not to exercise the Segment Lock-In features.</div><div style="margin-top:6.1pt;text-indent:27pt">Once a Segment Lock-In is executed, it is irrevocable for that Segment Term. A lock-in will not be applied retroactively and can only be exercised for the entire Segment Option. A Segment Lock-In may only be exercised once per Segment Term for each Index-Linked Segment Option.</div><div style="margin-top:6.1pt;text-indent:27pt">For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — Segment Lock-In Feature.</div> <div>Segment Option and Index Availability Risk</div><div style="margin-top:6.25pt;text-indent:27pt">There is no guarantee that any particular Segment Option or Index will be available during the entire period that you own your Contract, with the exception of the following Index-Linked Segment Option which is guaranteed to 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. If you are not comfortable with the possibility that could be the only Segment Option available in the future, you should not buy this Contract, as we do not guarantee the availability of any other Index-Linked Segment Option or the Fixed Segment Option. </div><div style="margin-top:6.25pt;text-indent:27pt">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.</div><div style="margin-top:6pt;text-indent:36pt">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 </div><div style="margin-top:6pt">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. If you purchase another investment vehicle, it may have different features, fees and risks that this Contact. </div><div style="margin-top:6.35pt;text-indent:36pt">There are restrictions that limit the Segment Options you may choose. Index-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. Certain Index-Linked Segment Options are available only if the optional Rate Enhancement Rider has been elected. Certain Index-Linked Segment Options have been closed to investment. See APPENDIX A.</div><div style="margin-top:6.4pt;text-indent:27pt">We may replace an Index if it is discontinued or if there is a substantial change in the calculation of the Index, or if hedging instruments become difficult to acquire or the cost of hedging becomes excessive.</div><div style="margin-top:6.05pt;text-indent:27pt">Other considerations relating to this risk include:</div><div style="margin-top:6.35pt;padding-left:79.45pt;text-indent:-18pt">•In addition to the investment performance and risks of loss that already are part of your Contract, the returns you otherwise may have anticipated may not be available in situations where the Company reserves the right to discontinue an Index in the middle of a Segment Term. This is due in part to the fact that, if we substitute an Index, the performance of the new Index may differ from the original Index. This may negatively affect the Segment Credit you earn during the Segment Term or the Segment Interim Values that you can lock-in under the Segment Lock-In feature.</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•We may replace an Index at any time during a Segment Term; however, we will notify you in writing at least 30 days prior to replacing an Index. If we replace an Index, this does not cause a change in the Cap Rate, Participation Rate, Floor Rate, Buffer Rate or Peak Buffer Midpoint, as applicable. You will have no right to reject the replacement of an Index, and you will not be permitted to Transfer Segment Interim Values until the end of the applicable Segment Term even if we replace the Index during such Segment Term. The new Index and the replaced Index (which you may have previously chosen) may not be similar with respect to their component securities or other instruments, although we will attempt to select a new Index that is similar to the old Index.</div><div style="margin-top:6.25pt;padding-left:79.45pt;text-indent:-18pt">•At the end of the Segment Term, you may Transfer your Segment Value to another Segment Option without charge. If you do not want to remain invested in the relevant Segment Option for the remainder of the Segment Term, your only option will be to withdraw or Annuitize the related Segment Interim Value, which may cause you to incur Surrender Charges, a negative Bond Adjustment, a negative Equity Adjustment, taxes and tax penalties, as discussed in this section. If you purchase another investment vehicle, it may have different features, fees and risks than this Contract.</div><div style="margin-top:6.2pt;padding-left:79.45pt;text-indent:-18pt">•Changes to the Cap and Participation Rates, if any, occur at the beginning of the next Segment Term. We will provide written notice at least 15 calendar days prior to each Segment Start Date instructing you how to obtain the Cap and Participation Rates for the next Segment Term. Those Cap and Participation Rates will be made available to you at least 7 calendar days prior to the Segment Start Date. You are only able to make Transfers of Accumulated Value among the various Segment Options at the end of a Segment Term. See Liquidity Risks — Limits on Transfers Between Segment Options above.</div><div style="margin-top:6.3pt;padding-left:79.45pt;text-indent:-18pt">•If you do not like a new Cap or Participation Rate for a particular Segment Option, at the end of the current Segment Term, you may Transfer your Segment Value to another Segment Option without charge.</div><div style="margin-top:6.2pt;padding-left:79.45pt;text-indent:-18pt">•We will not substitute any Index until the new Index has received any necessary regulatory clearances. Any addition, substitution or removal of an Index-Linked Segment Option or Index will be communicated to you in writing. If we add or remove an Index (as opposed to replacing an Index), the changes will not be effective for your Contract until the start of the next Segment Term. Adding or removing an Index does not cause a change in the Floor or Buffer Rates, as applicable. Any Index-Linked Segment Option based on the performance of the newly added Index may have a new Cap and Participation Rate.</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section.</div><div style="margin-top:6.15pt;text-indent:27pt">For additional information, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — The Indices — Discontinuation or Substitution of an Index and 11. OPTIONS AT END OF SEGMENT TERM.</div> <div>Single Premium Payment Risk</div>This Contract is a single premium product. After the Premium Payment is made, no additional Premium Payments will be accepted. You will be unable to increase the value of your Contract, including the death benefit, with additional premiums. <div>Risks Affecting Our Administration of Your Contract</div><div style="margin-top:6.35pt;text-indent:27pt">Our operations and/or the activities and operations of our service providers and business partners are subject to certain risks that are beyond our control, including systems failures, cyber-attacks and pandemics (and similar events). These risks are not unique to the Company and they could materially impact our ability to administer the Contract. Financial services companies and their third-party service providers are increasingly the targets of cyber-attacks. The techniques used to attack systems and networks change frequently, are becoming more sophisticated and can originate from a wide variety of sources. The use of remote or flexible work arrangements, remote access tools and mobile technology have expanded potential targets for cyber-attack.</div><div style="margin-top:6.25pt;text-indent:27pt">The Company is highly dependent upon its computer systems and those of its business partners and service providers. This makes the Company potentially susceptible to operational and information security risks resulting from a cyber-security incident. These risks include direct risks, such as theft, misuse, corruption and destruction of data maintained by the Company, and indirect risks, such as denial of service attacks on systems and websites, unauthorized release of personal or confidential customer information and other operational disruptions that could severely impede our ability to conduct our business and administer the Contract (e.g., calculate Contract values or process transactions). Operational disruptions and system failures also could occur based on other natural or man-made events, which could have similar impacts on your Contract. Although we make substantial efforts to protect our computer systems from these security risks, including internal processes and technological defenses that are preventative or detective, and other controls designed to provide multiple layers of security assurance, there can be no guarantee that we or our service providers will avoid all cyber-security incidents in the future. It is possible that a cyber-security incident could persist for an extended period of time without detection.</div><div style="margin-top:6.05pt;text-indent:27pt">If your Contract is adversely affected as a result of the failure of our cyber-security controls, we will take reasonable steps to restore your Contract.</div> <div style="padding-left:23.5pt;padding-right:25.75pt;text-indent:-20.2pt">7. FEES, CHARGES AND ADJUSTMENTS</div><div style="margin-top:8.75pt;text-align:justify;text-indent:27pt">Certain charges are deducted under the Contract. If the charge is not sufficient to cover our costs, we bear the loss. If the expense is more than our costs, the excess is profit to the Company. We expect a profit from all the fees and charges listed below, except Premium Tax.</div><div style="margin-top:0.35pt"> </div><div>Deferred Sales Load (“Surrender Charge”)</div><div style="margin-top:8.8pt;text-indent:27pt">No sales charge is collected or deducted when the Premium Payment is applied under the Contract. A Surrender Charge is assessed on certain full or partial withdrawals. The Surrender Charge is calculated as follows:</div><div style="margin-top:7.75pt;padding-left:79.45pt;text-indent:-18pt">1.Apply the Bond Adjustment against the withdrawal amount requested (adjustment could be positive, negative or zero); then</div><div style="margin-top:4.35pt;padding-left:79.45pt;text-indent:-18pt">2.Multiply the Surrender Charge percentage by the amount from step 1, after subtracting the Free Surrender Amount.</div><div style="margin-top:8.8pt;text-indent:27pt">The Surrender Charge is then deducted from the requested withdrawal amount after the Bond Adjustment. See the Surrender Charge Example below for more details. A Surrender Charge does not apply to Annuitizations, death benefits or withdrawals of the Free Surrender Amount. See “Free Surrender Amount” below. </div><div style="margin-top:8.8pt;text-indent:27pt">If you specify the percentages to be withdrawn from each Segment Option as part of a partial withdrawal request, those allocation percentages will also apply to the Surrender Charges. If you do not provide us with </div><div style="margin-top:8.8pt">specific percentages, the charge is deducted in the same proportion as the Accumulated Value in the Segment Options.</div><div style="margin-top:8.9pt;text-indent:27pt">The amounts we receive from the Surrender Charge are used to cover some of the expenses of the sale of the Contract (primarily commissions, as well as other promotional or distribution expenses). If the Surrender Charge collected is not enough to cover the actual costs of distribution, the costs are paid from the Company’s General Account assets instead of charging you any additional amount.</div><div style="margin-top:8.9pt;text-indent:27pt">The maximum Surrender Charge is 8% of the amount withdrawn, declining down to 0% after the sixth Contract Anniversary as follows:</div><div style="margin-top:8.75pt;padding-left:9pt;padding-right:9pt;text-align:center">SURRENDER CHARGE TABLE</div><div style="margin-top:0.1pt"> </div><div style="padding-left:45pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.582%"><tr><td style="width:1.0%"></td><td style="width:85.302%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.498%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">Contract Year</div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">Surrender Charge</div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:0.02pt">1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:20.72pt;padding-right:0.02pt">8.00%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:20.72pt;padding-right:0.02pt">8.00%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:20.72pt;padding-right:0.02pt">7.00%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:20.72pt;padding-right:0.02pt">6.00%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:20.72pt;padding-right:0.02pt">5.00%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:20.72pt;padding-right:0.02pt">4.00%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:0.02pt">7+ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:20.72pt;padding-right:0.02pt">0.00%</div></td></tr></table></div><div style="margin-top:11pt">Surrender Charge Example</div><div style="margin-top:9.65pt">For Contracts with applications signed on or after May 1, 2025</div><div style="margin-top:6.65pt;text-indent:27pt">The following example shows how the Surrender Charge is calculated and impacts values. For purposes of this example, the following assumptions were used:</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•Premium Payment = $100,000.00</div><div style="margin-top:6.3pt;padding-left:79.45pt;text-indent:-18pt">•Crediting Base = $100,000.00 (which is the same as the Premium Payment amount because there have been no prior Surrenders)</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•Equity Adjustment percentage = 0% (which assumes there is no adjustment for Index performance up to the partial withdrawal)</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•The Equity Adjustment percentage is set to 0% to simplify the example and make the Surrender Charge the focus of the example</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•Equity Adjustment amount = $0.00</div><div style="margin-top:6.4pt;padding-left:79.45pt;text-indent:-18pt">•The example assumes the Equity Adjustment is 0% and that there have been no prior Surrenders or Segment Credits that could affect the Crediting Base differently than the Accumulated Value. For this reason, the Accumulated Value prior to the withdrawal equals the Crediting Base in this example.</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•Partial withdrawal occurs during first Contract Year</div><div style="padding-left:68.3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.240%"><tr><td style="width:1.0%"></td><td style="width:83.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.285%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.77pt">Crediting Base . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$100,000.00</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Accumulated Value prior to withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$100,000.00</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Free Surrender Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$10,000.00(1)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Withdrawal Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$20,000.00</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Portion of Crediting Base Surrendered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$20,000.00(2)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Bond Adjustment Percentage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:2.92pt;text-align:right">-2.50%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-left:6.17pt;padding-right:7.82pt">Bond Adjustment Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:right">$-250.00(3)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Withdrawal Amount after Bond Adjustment . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$19,750.00(4)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Surrender Charge Percentage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:2.92pt;text-align:right">8.00%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Surrender Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center"> $780.00(5)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.12pt;padding-right:7.82pt">Withdrawal Amount after Surrender Charge (excluding any tax withholding) . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$18,970.00(6)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Accumulated Value after Withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$80,000.00(7)</div></td></tr></table></div><div style="margin-top:0.5pt"> </div><div style="margin-top:4.55pt;padding-left:90.4pt;text-indent:-20pt">(1)The Free Surrender Amount is $10,000.00. This was calculated by multiplying the Premium Payment ($100,000.00) by 10%.</div><div style="margin-top:4.05pt;padding-left:90.4pt;text-indent:-20pt">(2)Under the simplified assumptions noted above, since the Crediting Base equals the Accumulated Value prior to the withdrawal, the portion of the Crediting Base surrendered is equal to the Withdrawal Amount. The portion of the Crediting Base surrendered would not be equal to the Withdrawal Amount if the Crediting Base did not equal the Accumulated Value prior to withdrawal. For other examples see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — Reduction to Crediting Base Examples.</div><div style="margin-top:4.15pt;padding-left:90.4pt;text-indent:-20pt">(3)The Bond Adjustment amount is negative $250.00. For this example, we assumed the Bond Adjustment percentage was negative 2.50%. The Bond Adjustment amount was calculated by multiplying the portion of the Crediting Base surrendered ($20,000.00), less the Free Surrender Amount ($10,000.00), times the Bond Adjustment percentage (negative 2.50%).</div><div style="margin-top:4.15pt;padding-left:90.4pt;text-indent:-20pt">(4)The Withdrawal Amount after Bond Adjustment is equal to the Withdrawal Amount ($20,000.00) minus the Bond Adjustment amount ($250.00), which is $19,750.00.</div><div style="margin-top:4.05pt;padding-left:90.4pt;text-indent:-20pt">(5)The Surrender Charge amount is $780.00. For this example, we assumed a Surrender</div><div style="margin-top:1.05pt;padding-left:90.4pt">Charge percentage of 8.00%, which would be the case if the partial withdrawal occurred during the first or second Contract Year. The Surrender Charge amount is calculated by subtracting the Free Surrender Amount ($10,000.00) from the withdrawal amount after Bond Adjustment ($19,750.00) and multiplying the difference by the Surrender Charge percentage (8.00%).</div><div style="margin-top:4.15pt;padding-left:90.4pt;text-indent:-20pt">(6)The Withdrawal Amount after Surrender Charge is the Withdrawal Amount ($20,000.00) minus the Bond Adjustment Amount ($250.00) minus the Surrender Charge ($780.00), which is</div><div style="margin-top:0.05pt;padding-left:90.4pt">$20,000.00 – $250.00 – $780.00 = $18,970.00.</div><div style="margin-top:5.1pt;padding-left:90.4pt;text-indent:-20pt">(7)The Accumulated Value after Withdrawal is the Accumulated Value prior to Withdrawal ($100,000.00) minus the Withdrawal Amount ($20,000.00), which is $100,000.00 – $20,000.00 = $80,000.00.</div><div style="margin-top:9.65pt">For Contracts with applications signed before May 1, 2025</div><div style="margin-top:9.65pt;text-indent:27pt">The following example shows how the Surrender Charge is calculated and impacts values. For purposes of this example, the following assumptions were used:</div><div style="margin-top:6.8pt;padding-left:79.45pt;text-indent:-18pt">•Premium Payment = $100,000.00</div><div style="margin-top:7.65pt;padding-left:79.45pt;text-indent:-18pt">•Crediting Base = $100,000.00 (which is the same as the Premium Payment amount because there have been no prior Surrenders)</div><div style="margin-top:6.8pt;padding-left:79.45pt;text-indent:-18pt">•Equity Adjustment percentage = 0% (which assumes there is no adjustment for Index performance up to the partial withdrawal)</div><div style="margin-top:6.75pt;padding-left:79.45pt;text-indent:-18pt">•The Equity Adjustment percentage is set to 0% to simplify the example and make the Surrender Charge the focus of the example</div><div style="margin-top:6.8pt;padding-left:79.45pt;text-indent:-18pt">•Equity Adjustment amount = $0.00</div><div style="margin-top:7.65pt;padding-left:79.45pt;text-indent:-18pt">•The example assumes the Equity Adjustment is 0% and that there have been no prior Surrenders or Segment Credits that could affect the Crediting Base differently than the Accumulated Value. For this reason, the Accumulated Value prior to the withdrawal equals the Crediting Base in this example.</div><div style="margin-top:6.85pt;padding-left:79.45pt;text-indent:-18pt">•Partial withdrawal occurs during first Contract Year</div><div style="padding-left:80.65pt"> </div><div style="padding-left:68.3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.240%"><tr><td style="width:1.0%"></td><td style="width:83.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.285%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.77pt">Crediting Base . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$100,000.00</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Accumulated Value prior to withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$100,000.00</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Free Surrender Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt">$10,000.00(1)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Withdrawal Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$20,000.00</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Portion of Crediting Base Surrendered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt">$20,000.00(2)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Bond Adjustment Percentage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:2.92pt;text-align:right">-2.50%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Bond Adjustment Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:right"> $-500.00(3)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Withdrawal Amount after Bond Adjustment . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">$ 19,500.00(4)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Surrender Charge Percentage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-right:2.92pt;text-align:right">8.00%</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Surrender Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt;text-align:right"> $760.00(5)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.12pt;padding-right:7.82pt">Withdrawal Amount after Surrender Charge (excluding any tax withholding) . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt">$18,740.00(6)</div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:6.17pt;padding-right:7.82pt">Accumulated Value after Withdrawal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:0.02pt;padding-right:0.02pt">$80,000.00(7)</div></td></tr></table></div><div style="margin-top:0.5pt"> </div><div style="margin-top:4.85pt;padding-left:90.4pt;text-indent:-20pt">(1)The Free Surrender Amount is $10,000.00. This was calculated by multiplying the Premium Payment ($100,000.00) by 10%.</div><div style="margin-top:3.95pt;padding-left:90.4pt;text-indent:-20pt">(2)Under the simplified assumptions noted above, since the Crediting Base equals the Accumulated Value prior to the withdrawal, the portion of the Crediting Base surrendered is equal to the Withdrawal Amount. The portion of the Crediting Base surrendered would not be equal to the Withdrawal Amount if the Crediting Base did not equal the Accumulated Value prior to withdrawal. For other examples, see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — Reduction to Crediting Base Examples.</div><div style="margin-top:3.9pt;padding-left:90.4pt;text-indent:-20pt">(3)The Bond Adjustment amount is negative $500.00. For this example, we assumed the Bond Adjustment percentage was negative 2.50%. The Bond Adjustment amount was calculated by multiplying the portion of the Crediting Base surrendered ($20,000.00) times the Bond Adjustment percentage (negative 2.50%).</div><div style="margin-top:3.95pt;padding-left:90.4pt;text-indent:-20pt">(4)The Withdrawal Amount after Bond Adjustment is equal to the Withdrawal Amount ($20,000.00) minus the Bond Adjustment amount ($500.00), which is $19,500.00.</div><div style="margin-top:3.85pt;padding-left:90.4pt;text-indent:-20pt">(5)The Surrender Charge amount is $760.00. For this example, we assumed a Surrender</div><div style="margin-top:0.55pt;padding-left:90.4pt">Charge percentage of 8.00%, which would be the case if the partial withdrawal occurred during the first or second Contract Year. The Surrender Charge amount is calculated by subtracting the Free Surrender Amount ($10,000.00) from the withdrawal amount after Bond Adjustment ($19,500.00) and multiplying the difference by the Surrender Charge percentage (8.00%).</div><div style="margin-top:4pt;padding-left:90.4pt;text-indent:-20pt">(6) The Withdrawal Amount after Surrender Charge is the Withdrawal Amount ($20,000.00) minus the Bond Adjustment Amount ($500.00) minus the Surrender Charge ($760.00), which is</div><div style="padding-left:90.4pt">$20,000.00 - $500.00 - $760.00 = $18,740.00.</div><div style="margin-top:4.55pt;padding-left:90.4pt;text-indent:-20pt">(7) The Accumulated Value after Withdrawal is the Accumulated Value prior to Withdrawal ($100,000.00) minus the Withdrawal Amount ($20,000.00), which is $100,000.00 - $20,000.00 = $80,000.00.</div><div style="margin-top:8.55pt">Free Surrender Amount</div><div style="margin-top:8.55pt;text-indent:27pt">There is a Free Surrender Amount available under your Contract, which is the amount that may be withdrawn from the Contract each Contract Year without a Surrender Charge (or a Bond Adjustment, depending on when your Contract was issued).</div><div style="margin-top:8.55pt;padding-left:79.45pt;text-indent:-18pt">•For Contracts with applications signed on or after May 1, 2025: Subject to the limitations set forth below, you will not incur a Surrender Charge or Bond Adjustment for any withdrawals less than or equal to the Free Surrender Amount. Withdrawals of the Free Surrender Amount may be subject to negative Equity Adjustments and taxes and tax penalties, however.</div><div style="margin-top:8.55pt;padding-left:79.45pt;text-indent:-18pt">•For Contracts with applications signed before May 1, 2025: Subject to the limitations set forth below, you will not incur a Surrender Charge for any withdrawals less than or equal to the Free Surrender Amount, but the withdrawal will still be subject to the Bond Adjustment, which could be a negative adjustment. The Bond Adjustment applies regardless of when the withdrawal is taken, including on the Segment End Date. Withdrawals of the Free Surrender Amount may also be subject to Equity Adjustments and taxes and tax penalties.</div><div style="margin-top:8pt">The Free Surrender Amount for a Contract Year is the greater of (1) and (2) where:</div><div style="margin-top:8.55pt;padding-left:79.45pt;text-indent:-18pt">(1)is 10% of the Premium Payment; and</div><div style="margin-top:4.35pt;padding-left:79.45pt;text-indent:-18pt">(2)is any amount distributed as a result of the Required Minimum Distribution (“RMD”) of the then current Federal Income Tax Regulation for this Contract.</div><div style="margin-top:8.1pt;text-align:justify;text-indent:27pt">Your Free Surrender Amount remaining for a Contract Year is decreased by all partial withdrawals and partial Annuitizations since the last Contract Anniversary (or since the Contract Date for the first Contract Year).</div><div style="margin-top:8.1pt;text-indent:27pt">Withdrawals in excess of the Free Surrender Amount may be subject to Surrender Charges and Bond Adjustments, as well as Equity Adjustments and taxes and tax penalties. All Annuitizations may be subject to Bond Adjustments (whether or not you have Free Surrender Amount remaining), and may also be subject to Equity Adjustments.</div><div style="margin-top:8.2pt;text-indent:27pt">Annuitizations are not subject to Surrender Charges regardless of your remaining Free Surrender Amount, but are subject to Bond Adjustments. Partial Annuitizations count against your remaining Free Surrender Amount (if any) for a Contract Year, thereby reducing any Free Surrender Amount remaining for subsequent withdrawals during the same Contract Year. </div><div style="margin-top:8.2pt;text-indent:27pt">Death benefits are not subject to Surrender Charges regardless of your remaining Free Surrender Amount, but are subject to Bond Adjustments.</div><div style="margin-top:8.2pt;text-indent:27pt">Any Free Surrender Amount not taken in a Contract Year is not added to the amount available under the Free Surrender Amount for any following Contract Year(s).</div><div style="margin-top:8.1pt">When Surrender Charges Do Not Apply</div><div style="margin-top:8.25pt;padding-left:79.45pt;padding-right:39.8pt;text-indent:-18pt">The Surrender Charge does not apply to:</div><div style="margin-top:6.25pt;padding-left:79.45pt;text-indent:-18pt">•amounts applied under an annuity benefit payment option; or</div><div style="margin-top:5.3pt;padding-left:79.45pt;text-indent:-18pt">•a withdrawal amount up to the Free Surrender Amount; or</div><div style="margin-top:5.25pt;padding-left:79.45pt;text-indent:-18pt">•payment of any death benefit; or</div><div style="margin-top:5.3pt;padding-left:79.45pt;text-indent:-18pt">•amounts distributed to satisfy the RMD, provided that the amount withdrawn does not exceed the minimum distribution amount that would have been calculated based on the value of this Contract alone; or</div><div style="margin-top:5.1pt;padding-left:79.45pt;text-indent:-18pt">•an amount transferred from a Contract used to fund an IRA to another annuity contract issued by the Company to fund an IRA of the participant’s spouse when the distribution is made pursuant to a divorce decree.</div><div style="margin-top:6.75pt">Free Surrender Amount Example</div><div style="margin-top:8.25pt;text-indent:27pt">The following example shows you how the free surrender feature works.</div><div style="margin-top:6.75pt">For Contracts with applications signed on or after May 1, 2025</div><div> </div><div>For purposes of the example, the following assumptions were used:</div><div style="margin-top:8.45pt;text-indent:27pt">Premium Payment $100,000.00</div><div style="margin-top:3.5pt;text-indent:27pt">Crediting Base $100,000.00</div><div style="margin-top:3.45pt;text-indent:27pt">Equity Adjustment Percentage 0.00%</div><div style="margin-top:3.5pt;text-indent:27pt">Equity Adjustment Amount $ 0.00</div><div style="margin-top:3.45pt;text-indent:27pt">Accumulated Value prior to withdrawal $100,000.00</div><div>Based on the above assumptions, the below numbers are calculated as described in the footnotes below the table.</div><div style="margin-top:8pt;text-indent:27pt">Free Surrender Amount $10,000.00(1)</div><div style="margin-top:3.45pt;text-indent:27pt">Withdrawal Amount $10,000.00</div><div style="margin-top:3.5pt;text-indent:27pt">Portion of Crediting Base Surrendered $10,000.00(2)</div><div style="margin-top:3.45pt;text-indent:27pt">Bond Adjustment Percentage N/A(3)</div><div style="margin-bottom:2.45pt;margin-top:3.45pt;text-indent:27pt">Bond Adjustment Amount N/A(3)</div><div style="text-indent:27pt">Withdrawal Amount after Bond Adjustment $10,000.00(4)</div><div style="margin-top:3.45pt;text-indent:27pt">Surrender Charge Percentage 8.00%</div><div style="margin-top:3.45pt;text-indent:27pt">Surrender Charge $ 0.00(5)</div><div style="margin-top:3.45pt;text-indent:27pt">Withdrawal Amount after Surrender Chargers $10,000.00(6)</div><div style="margin-top:3.45pt;text-indent:27pt">Accumulated Value after Withdrawal $90,000.00(7)</div><div style="padding-left:68.3pt"> </div><div> </div><div style="margin-top:4.65pt;padding-left:31.5pt;text-indent:-20pt">(1)The Free Surrender Amount is $10,000.00. This was calculated by multiplying the Premium Payment ($100,000.00) by 10%.</div><div style="margin-top:4.05pt;padding-left:31.5pt;text-indent:-20pt">(2)For purposes of providing a simplified example, the portion of the Crediting Base Surrendered is equal to the Withdrawal Amount. For other examples see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — Reduction to Crediting Base Examples.</div><div style="margin-top:4pt;padding-left:31.5pt;text-indent:-20pt">(3)The Bond Adjustment is not applicable because the Withdrawal amount did not exceed the Free Surrender Amount. Amounts withdrawn up to the Free Surrender Amount are not subject to a Bond Adjustment.</div><div style="margin-top:4.05pt;padding-left:31.5pt;text-indent:-20pt">(4)The Withdrawal Amount is $10,000 because there was no Bond Adjustment.</div><div style="margin-top:4.35pt;padding-left:31.5pt;text-indent:-20pt">(5)The Surrender Charge amount is $0.00 because the withdrawal is within the Free Surrender Amount.</div><div style="margin-top:4.3pt;padding-left:31.5pt;text-indent:-20pt">(6)The Withdrawal Amount after Surrender Charge is the Withdrawal Amount ($10,000.00) minus the Surrender Charge ($0.00), which is $10,000.00 – $0.00 = $10,000.00.</div><div style="margin-top:4.05pt;padding-left:31.5pt;text-indent:-20pt">(7)The Accumulated Value after Withdrawal is the Accumulated Value prior to Withdrawal ($100,000.00) minus the Withdrawal Amount ($10,000.00), which is $100,000.00 – $10,000.00 = $90,000.00.</div><div style="margin-top:12pt">For Contracts with applications signed before May 1, 2025</div><div style="margin-top:0.15pt"> </div><div style="margin-top:0.05pt;text-indent:27pt">For purposes of the example, the following assumptions were used:</div><div style="margin-top:8.45pt;text-indent:27pt">Premium Payment $100,000.00</div><div style="margin-top:0.45pt;text-indent:27pt">Crediting Base $100,000.00</div><div style="margin-top:0.5pt;text-indent:27pt">Equity Adjustment Percentage 0.00%</div><div style="margin-top:0.45pt;text-indent:27pt">Equity Adjustment Amount $ 0.00</div><div style="margin-top:0.5pt;text-indent:27pt">Accumulated Value prior to withdrawal $100,000.00</div><div style="margin-top:11.25pt;text-indent:27pt">Based on the above assumptions, the below numbers are calculated as described in the footnotes below the table.</div><div style="margin-top:8.45pt;text-indent:27pt">Free Surrender Amount $10,000.00(1)</div><div style="margin-top:0.45pt;text-indent:27pt">Withdrawal Amount $10,000.00</div><div style="margin-top:0.5pt;text-indent:27pt">Portion of Crediting Base $ 10,000(2)</div><div style="margin-top:0.45pt;text-indent:27pt">Surrendered </div><div style="margin-top:0.5pt;text-indent:27pt">Bond Adjustment -1.56%</div><div style="margin-top:0.45pt;text-indent:27pt">Percentage </div><div style="margin-top:0.5pt;text-indent:27pt">Bond Adjustment Amount $ -1.56.00(3) </div><div style="margin-top:0.45pt;text-indent:27pt">Withdrawal Amount after Bond $ 9,844.00(4)</div><div style="margin-top:0.5pt;text-indent:27pt">Adjustment </div><div style="margin-top:0.45pt;text-indent:27pt">Surrender Charge 8.00%</div><div style="margin-top:0.5pt;text-indent:27pt">Percentage </div><div style="margin-top:0.45pt;text-indent:27pt">Surrender Charge $ 0.00(5)</div><div style="margin-top:0.5pt;text-indent:27pt">Withdrawal Amount after Surrender Chargers $ 9,844.00(6) </div><div style="margin-top:0.45pt;text-indent:27pt">Accumulated Value after Withdrawal $90,000.00(7)(4)</div><div style="margin-top:0.5pt"> </div><div style="padding-left:50.25pt"> </div><div style="margin-top:6.5pt;padding-left:31.5pt;text-indent:-20pt">(1)The Free Surrender Amount is $10,000.00. This was calculated by multiplying the Premium Payment ($100,000.00) by 10%.</div><div style="margin-top:4.8pt;padding-left:31.5pt;text-indent:-20pt">(2)For purposes of providing a simplified example, the portion of the Crediting Base Surrendered is equal to the Withdrawal Amount. For other examples see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — Reduction to Crediting Base Examples.</div><div style="margin-top:4.85pt;padding-left:31.5pt;text-indent:-20pt">(3)The Bond Adjustment amount is negative $156.00. For this example, we assumed the Bond Adjustment percentage was negative 1.56%. The Bond Adjustment amount was calculated by multiplying the portion of the Crediting Base Surrendered ($10,000.00) times the Bond Adjustment percentage (negative 1.56%).</div><div style="margin-top:4.9pt;padding-left:31.5pt;text-indent:-20pt">(4)The Withdrawal Amount after Bond Adjustment is equal to the Withdrawal Amount ($10,000.00) minus the Bond Adjustment amount ($156.00), which is $9,844.00.</div><div style="margin-top:4.75pt;padding-left:31.5pt;text-indent:-20pt">(5)The Surrender Charge amount is $0.00 because the withdrawal is within the Free Surrender Amount.</div><div style="margin-top:5.65pt;padding-left:31.5pt;text-indent:-20pt">(6)The Withdrawal Amount after Surrender Charge is the Withdrawal Amount ($10,000.00) minus the Bond Adjustment Amount ($156.00) minus the Surrender Charge ($0.00), which is $10,000.00 - $156.00 -$0.00 = $9,844.00.</div><div style="margin-top:5.65pt;padding-left:31.5pt;text-indent:-20pt">(7)The Accumulated Value after Withdrawal is the Accumulated Value prior to Withdrawal ($100,000.00) minus the Withdrawal Amount ($10,000.00), which is $100,000.00 - $10,000.00 = $90,000.00.</div><div style="margin-top:8.75pt">Critical Need Surrender Charge Waiver Rider</div><div style="margin-top:8.95pt;text-indent:27pt">This rider is automatically added to the Contract at issue (subject to state approval and state variations may apply). There is no charge for this benefit.</div><div style="margin-top:8.1pt;text-indent:27pt">This rider waives the Surrender Charge on withdrawals made after the first Contract Anniversary if the Owner or Annuitant has a critical need. The Segment Interim Value calculations, Bond Adjustments and proportional reductions to Crediting Base discussed in other sections of the prospectus (including Equity Adjustments) will still apply to amounts deducted under this waiver.</div><div style="margin-top:8.2pt;text-indent:27pt">Withdrawals under this waiver count against any Free Surrender Amount remaining for the current Contract Year.</div><div style="margin-top:8.05pt;text-indent:27pt">A critical need is limited to confinement to a health care facility, terminal illness diagnosis, or total and permanent disability. The benefits are available for a critical need if the following conditions are met:</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•the Owner or Annuitant has a critical need; and</div><div style="margin-top:6.95pt;padding-left:79.45pt;text-indent:-18pt">•the critical need did not exist before the Contract Date.</div><div style="margin-bottom:6pt;margin-top:6.05pt;padding-left:43.45pt"> For purposes of this rider, the following definitions apply:</div><div style="padding-left:79.45pt;text-indent:-18pt">•health care facility — a licensed hospital or inpatient nursing facility providing daily medical treatment and keeping daily medical records for each patient (not primarily providing just residency or retirement care). This does not include a facility owned or operated by the Owner, Annuitant or a member of their immediate family. If the critical need is confinement to a health care facility, the confinement must continue for at least 60 consecutive days after the Contract Date and the Surrender must occur within 90 days of the confinement’s end. Notice must be provided within 90 days after confinement ends.</div><div style="margin-top:6.25pt;padding-left:79.45pt;text-indent:-18pt">•terminal illness — sickness or injury that results in the Owner’s or Annuitant’s life expectancy being 12 months or less from the date notice to receive a distribution from the Contract is received by the Company.</div><div style="margin-top:6.15pt;padding-left:79.45pt;text-indent:-18pt">•total and permanent disability — the Owner or Annuitant is unable to engage in any occupation for pay or profit due to sickness or injury.</div><div style="margin-top:7.5pt">Equity Adjustment</div><div style="margin-top:7.65pt;text-indent:27pt">For an Index-Linked Segment Option, if any of the following transactions occurs on any day other than the Segment Start Date or Segment End Date, the transaction will be based on the Segment Interim Value for that Index-Linked Segment Option and, therefore, subject to an Equity Adjustment:</div><div style="margin-top:5.7pt;padding-left:79.45pt;text-indent:-18pt">•you take any withdrawal (including a full withdrawal, partial withdrawal, withdrawal of the Free Surrender Amount, RMD withdrawal, scheduled withdrawal or unscheduled withdrawal),</div><div style="margin-top:5.6pt;padding-left:79.45pt;text-indent:-18pt">•you exercise the Segment Lock-In feature,</div><div style="margin-top:5.75pt;padding-left:79.45pt;text-indent:-18pt">•you Annuitize,</div><div style="margin-top:5.8pt;padding-left:79.45pt;text-indent:-18pt">•there is a death benefit, or</div><div style="margin-top:5.8pt;padding-left:79.45pt;text-indent:-18pt">•daily charges for the optional Annual Step-Up Death Benefit are deducted.</div><div style="margin-top:7.45pt;text-indent:27pt">The Segment Interim Value will reflect the Equity Adjustment. See 10. INDEX-LINKED SEGMENT OPTIONS – Segment Interim Value.</div><div style="margin-top:7.45pt;text-indent:27pt">An Equity Adjustment may be positive, negative or equal to zero. A negative Equity Adjustment will result in loss. The loss could be greater than the value withdrawn or otherwise removed from the Index-Linked Segment Option, and could result in a loss beyond the downside protection for the Index-Linked Segment Option. A negative Equity Adjustment will reduce Contract value, Surrender value and/or the death benefit, perhaps significantly.</div><div style="margin-top:7.45pt;text-indent:27pt">In extreme circumstances, for any Index-Linked Segment Option, the maximum potential loss that could result from a negative Equity Adjustment is 100% (i.e., a complete loss of your investment in the Index-Linked Segment Option).</div><div style="margin-top:7.45pt;text-indent:27pt">Any applicable Surrender Charge or Bond Adjustment will be applied after the Equity Adjustment and will not be reflected in the Segment Interim Value. Losses due to negative Equity Adjustments will be greater if you </div><div style="margin-top:7.45pt">also have to incur a Surrender Charge, a negative Bond Adjustment, taxes or tax penalties. There are no circumstances under which an Equity Adjustment will be waived. </div><div style="margin-top:7.4pt;text-indent:27pt">Equity Adjustments do not apply to either the Initial Holding Account or the Fixed Segment Option. </div><div style="margin-top:7.6pt;text-indent:27pt">The Equity Adjustment is not a fee or charge that is provided in consideration for any specific Contract features. Equity Adjustments are related to the value of a hypothetical portfolio of derivative instruments that we designate in accordance with actuarial standards, and we hold derivative assets in support of our financial obligations under the Contract. Equity Adjustments shift risk from us to Owners, protecting us from losses on those derivative assets when amounts are withdrawn or otherwise removed from an Index-Linked Segment Option prior to end of a Segment Term.</div><div style="margin-top:7.4pt;text-indent:27pt">Equity Adjustments are calculated using a formula. Several factors may cause a positive or negative adjustment, such as the time remaining in the Segment Term; the applicable Buffer Rate, Floor Rate, Cap Rate or Participation Rate; market conditions (e.g., interest rates, volatility, dividends); Index performance; transaction costs; and the market values of the hypothetical derivative instruments that we use to calculate Equity Adjustments. See CONTRACT ADJUSTMENT – Equity Adjustment in the Statement of Additional Information for more details, including examples illustrating the operation of an Equity Adjustment.</div><div style="margin-top:7.4pt;text-indent:27pt">In addition to an Equity Adjustment, when a transaction is performed based on Segment Interim Value, your Crediting Base in the Index-Linked Segment Option will be reduced. In general, the reduction will be proportionate and could be greater than the amount withdrawn, Annuitized, or otherwise deducted from Segment Interim Value. A reduction to your Crediting Base will result in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of the Segment Term. See 10. INDEX-LINKED SEGMENT OPTIONS – Reductions to Crediting Base. </div><div style="margin-top:7.4pt;text-indent:27pt">If the optional Rate Enhancement Rider has been elected, the daily rider charges that are deducted from the Crediting Base(s) for your Index-Linked Segment Option(s) will not trigger an Equity Adjustment, even when deducted before the end of a Segment Term, as the deduction of those rider charges are not based on the Segment Interim Value. See Optional Benefit — Rate Enhancement Rider below. However, the reduction to your Crediting Base will result in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of the Segment Term.</div><div style="margin-top:7.4pt;text-indent:27pt">If the optional Annual Step-Up Death Benefit has been elected, the daily rider charges are deducted from your Accumulated Value. Each day that the rider charge is deducted from the Segment Interim Value of an Index-Linked Segment Option (i.e., every day between the Segment Start Date and the Segment End Date), an Equity Adjustment will apply, which may be negative. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted. On a Segment End Date, the fee will reduce the Segment Value and Crediting Base (after the application of Segment Credit) on a dollar-for-dollar basis. See Optional Benefit – Annual Step-Up Death Benefit below.</div><div style="margin-top:7.6pt;text-indent:27pt">Information about the current value of an Equity Adjustment may be obtained by contacting us toll-free at 1-800-852-4450. Please note that Equity Adjustments fluctuate daily, and the current value quoted may differ from the actual value calculated at the time of adjustment. </div><div style="margin-top:7.55pt">Bond Adjustment</div><div style="margin-top:7.7pt;text-indent:27pt">On any day during a Segment Term (including a Segment End Date), a Bond Adjustment may upon a withdrawal or other Surrender. Except as otherwise provided below, a Bond Adjustment will apply to the following regardless of when it occurs (even a Segment End Date):</div><div style="margin-top:7.7pt;padding-left:79.45pt;text-indent:-18pt">•For Contracts with applications signed on or after May 1, 2025: (i) any withdrawal in excess of the Free Surrender Amount, including a full withdrawal, partial withdrawal, scheduled withdrawal or unscheduled withdrawal; (ii) any Annuitization; or (iii) any death benefit.</div><div style="margin-top:7.7pt;padding-left:79.45pt">Note: A Bond Adjustment does not apply to RMD withdrawals, as RMD withdrawals will be withdrawals of the Free Surrender Amount.</div><div style="margin-top:7.7pt;padding-left:79.45pt;text-indent:-18pt">•For Contracts with applications signed before May 1, 2025: (i) any withdrawal, including a full withdrawal, partial withdrawal, RMD withdrawal, scheduled withdrawal, unscheduled withdrawal or withdrawal of the Free Surrender amount; (ii) any Annuitization; or (iii) any death benefit.</div><div style="margin-top:8pt;padding-left:79.45pt">Note: A Bond Adjustment does apply to withdrawals of the Free Surrender Amount, including RMD withdrawals</div><div style="margin-top:7.45pt;text-align:justify;text-indent:27pt">A Bond Adjustment may be positive, negative or equal to zero. A negative Bond Adjustment will result in loss. A negative Bond Adjustment will reduce the amount payable upon withdrawal, for Annuitization or for the death benefit</div><div style="margin-top:8.4pt;text-align:justify;text-indent:27pt">In extreme circumstances, you could lose up to 100% of the amount Surrendered from an Index-Linked Segment Option (i.e., the entire amount Surrendered).</div><div style="margin-top:8.05pt;text-indent:27pt">The Fixed Segment Option is subject to the Standard Nonforfeiture Law for Individual Deferred Annuities. The minimum value of the Fixed Segment Option on any Surrender will never be less than the minimum nonforfeiture amount under state law, including after any negative Bond Adjustment. </div><div style="margin-top:8.45pt;text-indent:27pt">The Bond Adjustment will be reflected in the Surrender Value, along with any applicable Surrender Charge or Equity Adjustment. The Bond Adjustment will apply after any applicable Equity Adjustment or optional benefit fee, and before any applicable Surrender Charge. Losses due to negative Bond Adjustments will be greater if you also incur a Surrender Charge, a negative Equity Adjustment, taxes or tax penalties.</div><div style="margin-top:7.55pt;text-indent:27pt">A Bond Adjustment will not apply to the following:</div><div style="margin-top:6.25pt;padding-left:79.45pt;text-indent:-18pt">•Withdrawals of the Free Surrender Amount for Contracts with applications signed on or after May 1, 2025;</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•RMD withdrawals for Contracts with applications signed on or after May 1, 2025, as RMD withdrawals will be withdrawals of the Free Surrender Amount for those Contracts;</div><div style="margin-top:6.35pt;padding-left:79.45pt;text-indent:-18pt">•Withdrawals or other Surrenders deducted from the Initial Holding Account; or</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•Exercise of the Contract’s free look rights.</div><div style="margin-top:8.45pt;text-indent:27pt">In addition, a Bond Adjustment will be zero (0%) on every Segment Anniversary evenly divisible by six (6) (e.g., 6, 12, 18, etc.).</div><div style="margin-top:8.45pt;text-indent:27pt">The Bond Adjustment is not a fee or charge that is provided in consideration for any specific Contract features. Bond Adjustments are related to changes in the value of longer-term fixed income assets that we may hold in support of our financial obligations under the Contract. Bond Adjustments shift risk from us to Owners, protecting us from losses on those fixed income assets when amounts are Surrendered under the Contract.</div><div style="margin-top:8.45pt;text-indent:27pt">Bond Adjustments are calculated using a formula. Changes in interests rates may cause a positive or negative Bond Adjustment. Generally, if interest rates have increased since the beginning of the current Bond Adjustment period, the Bond Adjustment will be negative, reducing the Surrender amount. If interest rates have decreased since the beginning of the current Bond Adjustment period, the Bond Adjustment will generally be positive, </div><div style="margin-top:8.45pt">increasing the Surrender amount. See CONTRACT ADJUSTMENT – Bond Adjustment in the Statement of Additional Information for more details, including examples illustrating the operation of a Bond Adjustment.</div><div style="margin-top:8.05pt;text-indent:27pt">Information about the current value of a Bond Adjustment may be obtained by contacting us toll-free at 1-800-852-4450. Please note that Bond Adjustments fluctuate daily, and the current value quoted may differ from the actual value calculated at the time of adjustment.</div><div style="margin-top:0.1pt"> </div><div>Premium Taxes</div><div style="margin-top:8.25pt;text-indent:27pt">We do not currently assess premium taxes for any Contract at issue. We reserve the right to deduct an amount to cover any premium taxes imposed by states or other jurisdictions. If we elect to begin deducting any premium taxes, we will provide you with 30 days advance written notice. Any deduction is made from either the Premium Payment when we receive it, or the Accumulated Value when you request a withdrawal (full or partial) or you request application of the Accumulated Value (full or partial) to an annuity benefit payment option. Premium taxes generally range from 0% in most states to as high as 3.50%.</div><div style="margin-top:0.15pt"> </div><div style="margin-top:0.05pt">Optional Benefit — Rate Enhancement Rider</div><div style="margin-top:8.25pt;text-indent:27pt">The Rate Enhancement Rider is an optional benefit that can only be elected at the time the Contract is issued. The Rate Enhancement Rider provides an increased Participation Rate and/or Cap Rate on the Index-Linked Segment Options.</div><div style="margin-top:8.1pt;text-indent:27pt">For each Index-Linked Segment Option that you have selected for investment, the annual charge for the Rate Enhancement Rider is 0.95%, as a percentage of your Crediting Base on the Segment Term Start Date for the applicable Index-Linked Segment Option, adjusted for any partial Surrenders from Segment Interim Value. The rider charge is deducted daily from the Crediting Base(s) for your Index-Linked Segment Option(s). If you are invested in multiple Index-Linked Segment Options, the daily charge will be deducted in full from each Crediting Base (in other words, the daily charge will not be shared or otherwise spread out across your various Crediting Bases). </div><div style="margin-top:8.1pt;text-indent:27pt">Each day during a Segment Term for any Index-Linked Segment Option, the charge deducted from the Crediting Base will equal (a) multiplied by (b), divided by (c), where:</div><div style="margin-top:8.1pt;padding-left:72pt;text-indent:-18pt">(a)is the Crediting Base on the Segment Start Date, as adjusted for each partial Surrender (and any applicable Surrender Charge) on any day other than the Segment Start Date or the Segment End Date (as described below). </div><div style="margin-top:6pt;padding-left:72pt;text-indent:-18pt">(b)0.95%; and</div><div style="margin-top:6pt;padding-left:72pt;text-indent:-18pt">(c)365.</div><div style="margin-top:8.25pt;text-indent:27pt">Each day during the Segment Term, the Crediting Base is reduced by the dollar amount of the daily charge. The charge is applied against and deducted daily from the Crediting Base prior to other Contract activity (e.g., Surrender, Segment Credits) on a particular day. If you exercise a Segment Lock-In, this charge continues to be applied against and deducted from the Crediting Base.</div><div style="margin-top:8.1pt;text-indent:27pt">If there are no partial Surrenders (i.e., partial withdrawals or partial Annuitizations) from Segment Interim Value during a Segment Term, the daily deduction from the Crediting Base (in dollars) will be the same for the entirety of that Segment Term. Each time there is a partial Surrender (if any) from Segment Interim Value, (a) in the formula above will be reduced in the same proportion that Segment Interim Value was reduced by the partial Surrender. This reduction will result in a lower daily deduction from the Crediting Base (in dollars) for the remainder of the Segment Term (because (a) in the formula above will be a smaller amount). However, you </div><div style="margin-top:8.1pt">should understand that any transaction based on Segment Interim Value, whether or not it reduces the dollar amount of the rider charge, may have a significant negative impact on your investment due to Equity Adjustments, Bond Adjustments, proportionate reductions to your Crediting Base, reductions in the death benefit and other benefits, taxes, and tax penalties. </div><div style="margin-bottom:9pt;margin-top:8.2pt;text-indent:27pt">Because the rider charge is deducted daily, no pro-rated charges are due upon rider termination. Please note:</div><div style="padding-left:79.45pt;text-indent:-18pt">•The daily rider charges will not result in a Bond Adjustment, as such deductions are not Surrenders under the Contract.</div><div style="margin-top:6.35pt;padding-left:79.45pt;text-indent:-18pt">•The daily rider charges will not trigger an Equity Adjustment, even when deducted before the end of a Segment Term, as such deductions are not based on the Segment Interim Value.</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•When the daily rider charges are deducted from the Crediting Base(s) for your Index-Linked Segment Option(s), the Crediting Base is reduced by the dollar amount of the daily charge. The reduction is not proportionate, even when deducted prior to the Segment End Date.</div><div style="margin-top:6.1pt;padding-left:79.45pt;text-indent:-18pt">•Because rider charges reduce your Crediting Base, the charges for the rider are already reflected in your Segment Interim Values before the end of the Segment Term and your Segment Values at the end of the Segment Term.</div><div style="margin-top:8.1pt;text-align:justify;text-indent:27pt">The rider charge is intended to reimburse us for the cost of providing the enhanced rates for the Index-Linked Segment Options. Rider charges will apply only to the Index-Linked Segment Options that you have selected for investment. They will not apply to the Fixed Segment Option.</div><div style="margin-bottom:6pt;margin-top:8.05pt;text-align:justify">Rate Enhancement Rider Charge Example</div><div style="margin-bottom:6pt;padding-left:50.5pt;text-align:justify"> Assume:</div><div style="padding-left:79.45pt;text-indent:-18pt">•You invest in a single Index-Linked Segment Option with a six-year Segment Term, beginning on January 9, 2025 and ending on January 9, 2031.</div><div style="margin-top:6.35pt;padding-left:79.45pt;text-indent:-18pt">•Your Crediting Base is $100,000.00 at the start of your Segment Term.</div><div style="margin-top:4.35pt;padding-left:79.45pt;text-indent:-18pt">•There are no withdrawals or other transactions based on Segment Interim Value before the end of the Segment Term.</div><div style="margin-top:6pt;padding-left:79.45pt;text-indent:-18pt">•You remain invested in the Index-Linked Segment Option until the end of the Segment Term. </div><div style="margin-bottom:6pt;margin-top:6.05pt;text-indent:27pt">Based on these assumptions:</div><div style="padding-left:79.45pt;text-indent:-18pt">•The daily charge deducted from your Crediting Base would be $2.60 ($100,000.00 * 0.95% / 365). The charge will be deducted each day for the duration of the six-year Segment Term. By the end of the Segment Term, the total charge deducted will be $5,699.20 (i.e., $2.60 x 2,192 days).</div><div style="margin-top:6pt;padding-left:79.45pt;text-indent:-18pt">•Each day, your Crediting Base will be reduced by the dollar amount of the daily charge: Day 1: Crediting Base will equal $99,997.40 ($100,000 – $2.60); Day 2: Crediting Base will equal $99,994.80 ($99,997.40 – $2.60); Day 3: Crediting Base will equal $99,992.20 ($99,994.80 – $2.60); etc. Note that these rider charge deductions are on a dollar-for-dollar basis. They are not proportionate reductions, and do not trigger Equity Adjustments, because the rider charges are not deducted based on Segment Interim Value.</div><div style="margin-top:6pt;padding-left:79.45pt;text-indent:-18pt">•Moving forward to Day 100 of the Segment Term, the Crediting Base would be $99,740.00 (i.e., $100,000.00 – ($2.60 * 100)). The total rider charge to this point has been $260.00 (i.e., $2.60 x 100).</div><div style="margin-top:6pt;padding-left:79.45pt;text-indent:-18pt">•On the final day of the Segment Term (Day 2,192), the Crediting Base would be $94,300.80 (i.e., $100,000 – ($2.60 * 2,192)). The total rider charge to this point has been $5,699.20.</div><div style="margin-top:6.55pt;padding-left:100.35pt;text-indent:-10pt">•Assuming a Segment Credit of 5%, the final Segment Value would be equal to $99,015.84 (i.e., $94,300.80 * (1 + 5%)). Note that the Segment Return of $4,715.04 ($94,300.80 * 5%) is less than the total amount of rider charges of $5,699.20. By comparison, if the rider was not elected and the Crediting Base remained $100,000, the final Segment Value would be equal to $105,000 (i.e., $100,000 * (1 + 5%)).</div><div style="margin-top:6.55pt;padding-left:100.35pt;text-indent:-10pt">•Assuming a Segment Credit of -5%, the final Segment Value would be equal to $89,585.76</div><div style="margin-top:0.55pt;padding-left:100.35pt">(i.e., $94,300.80 * (1 + -5%)). Note that the negative Index Change together with the rider charges resulted in a total loss of -10.4%, which is greater than the negative Index Change of -5%. By comparison, if the rider was not elected and the Crediting Base remained $100,000, the final Segment Value would be equal to $95,000 (i.e., $100,000 * (1 + -5%)).</div><div style="margin-top:8pt;text-indent:27pt">The example above assumes that there were no withdrawals or other transactions based on Segment Interim Value before the end of the Segment Term. If a transaction based on Segment Interim Value were performed during the Segment Term, it would not change the dollar amount of the daily rider charge that is subsequently deducted from the Crediting Base, unless the transaction were a partial Surrender, in which case there would be a reduction in the daily charge that is subsequently deducted from the Crediting Base. If the example included a partial Surrender from Segment Interim Value, the total amount of rider fees deducted for the Segment Term would have been lower than $5,699.20. </div><div style="margin-top:8.35pt;text-indent:27pt">For more information on the Rate Enhancement Rider, please see 10. INDEX-LINKED SEGMENT OPTION MECHANICS — Optional Rate Enhancement Rider.</div><div style="margin-top:8.35pt">Optional Benefit — Annual Step-Up Death Benefit</div><div style="margin-top:6pt;text-indent:36pt">The Annual Step-Up Death Benefit is an optional benefit rider. The rider may be elected only for Contracts with applications signed on or after May 18, 2026. The rider can be elected only at the time you purchase the Contract. The rider is not available if the oldest Owner on the application date is age 76 or older.</div><div style="margin-top:6pt;text-indent:36pt">There is an additional annual charge for the Annual Step-Up Death Benefit. The maximum annual charge is 0.60%, calculated as an annualized percentage of the Highest Accumulated Value (including adjustments for any partial Surrenders). For the first Contract Year, the charge is calculated as a percentage of the Purchase Payment, adjusted for any partial Surrenders. The charge is deducted daily from the Accumulated Value. The current charge is 0.30%; however, we reserve the right to increase the current charge up to the maximum charge for new and outstanding riders. </div><div style="margin-top:6pt;text-indent:36pt">If you are invested in multiple Segment Options, the charge will be allocated (shared) among your Segment Options in the same proportions as your Segment Allocation Percentages. </div><div style="margin-top:6pt;text-indent:36pt">Each day that the rider charge is deducted from the Segment Interim Value of an Index-Linked Segment Option (i.e., every day between the Segment Start Date and the Segment End Date), an Equity Adjustment will apply, which may be negative. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted. </div><div style="margin-top:6pt;text-indent:36pt">On a Segment End Date, the fee will reduce the Segment Value and Crediting Base (after the application of Segment Credit) on a dollar-for-dollar basis.</div><div style="margin-top:6pt;text-indent:36pt">The rider terminates upon the earlier of the day we receive your request to terminate the rider following the 6th Contract Anniversary, the death of an Owner, the date the Owner is changed (unless changed to a non-</div><div style="margin-top:6pt">natural Owner), the Annuitization Date, or the date the Contract is terminated. The rider’s charge no longer applies upon the termination of the rider. </div><div style="margin-top:6pt;text-indent:36pt">Because the rider charge is deducted daily, no pro-rated charges are due upon rider termination. The daily rider charges will not result in a Bond Adjustment, as such deductions are not Surrenders under the Contract. The rider charge is not deducted from Accumulated Value in the Initial Holding Account. </div><div style="margin-top:6pt;text-indent:36pt">The charge is intended to compensate us for the cost of providing a potentially greater death benefit compared to the standard death benefit. </div><div style="margin-top:6pt;text-indent:36pt">For more information on the Annual Step-Up Death Benefit, see 15. DEATH BENEFIT – Death Benefit Calculation – Annual Step-Up Death Benefit.</div> <div style="margin-top:8.75pt;text-align:justify;text-indent:27pt">Certain charges are deducted under the Contract. If the charge is not sufficient to cover our costs, we bear the loss. If the expense is more than our costs, the excess is profit to the Company. We expect a profit from all the fees and charges listed below, except Premium Tax.</div> <div style="margin-top:7.65pt;text-indent:27pt">For an Index-Linked Segment Option, if any of the following transactions occurs on any day other than the Segment Start Date or Segment End Date, the transaction will be based on the Segment Interim Value for that Index-Linked Segment Option and, therefore, subject to an Equity Adjustment:</div> you take any withdrawal (including a full withdrawal, partial withdrawal, withdrawal of the Free Surrender Amount, RMD withdrawal, scheduled withdrawal or unscheduled withdrawal),<div style="margin-top:5.6pt;padding-left:79.45pt;text-indent:-18pt">•you exercise the Segment Lock-In feature,</div><div style="margin-top:5.75pt;padding-left:79.45pt;text-indent:-18pt">•you Annuitize,</div><div style="margin-top:5.8pt;padding-left:79.45pt;text-indent:-18pt">•there is a death benefit, or</div><div style="margin-top:5.8pt;padding-left:79.45pt;text-indent:-18pt">•daily charges for the optional Annual Step-Up Death Benefit are deducted.</div> <div style="margin-top:7.45pt;text-indent:27pt">An Equity Adjustment may be positive, negative or equal to zero. A negative Equity Adjustment will result in loss. The loss could be greater than the value withdrawn or otherwise removed from the Index-Linked Segment Option, and could result in a loss beyond the downside protection for the Index-Linked Segment Option. A negative Equity Adjustment will reduce Contract value, Surrender value and/or the death benefit, perhaps significantly.</div> 1 <div style="margin-top:7.45pt;text-indent:27pt">Any applicable Surrender Charge or Bond Adjustment will be applied after the Equity Adjustment and will not be reflected in the Segment Interim Value. Losses due to negative Equity Adjustments will be greater if you </div><div style="margin-top:7.45pt">also have to incur a Surrender Charge, a negative Bond Adjustment, taxes or tax penalties. There are no circumstances under which an Equity Adjustment will be waived. </div><div style="margin-top:7.4pt;text-indent:27pt">Equity Adjustments do not apply to either the Initial Holding Account or the Fixed Segment Option. </div><div style="margin-top:7.6pt;text-indent:27pt">The Equity Adjustment is not a fee or charge that is provided in consideration for any specific Contract features. Equity Adjustments are related to the value of a hypothetical portfolio of derivative instruments that we designate in accordance with actuarial standards, and we hold derivative assets in support of our financial obligations under the Contract. Equity Adjustments shift risk from us to Owners, protecting us from losses on those derivative assets when amounts are withdrawn or otherwise removed from an Index-Linked Segment Option prior to end of a Segment Term.</div> There are no circumstances under which an Equity Adjustment will be waived. <div style="margin-top:7.4pt;text-indent:27pt">Equity Adjustments are calculated using a formula. Several factors may cause a positive or negative adjustment, such as the time remaining in the Segment Term; the applicable Buffer Rate, Floor Rate, Cap Rate or Participation Rate; market conditions (e.g., interest rates, volatility, dividends); Index performance; transaction costs; and the market values of the hypothetical derivative instruments that we use to calculate Equity Adjustments. See CONTRACT ADJUSTMENT – Equity Adjustment in the Statement of Additional Information for more details, including examples illustrating the operation of an Equity Adjustment.</div>In addition to an Equity Adjustment, when a transaction is performed based on Segment Interim Value, your Crediting Base in the Index-Linked Segment Option will be reduced. In general, the reduction will be proportionate and could be greater than the amount withdrawn, Annuitized, or otherwise deducted from Segment Interim Value. A reduction to your Crediting Base will result in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of the Segment Term. See 10. INDEX-LINKED SEGMENT OPTIONS – Reductions to Crediting Base. <div style="margin-top:7.4pt;text-indent:27pt">If the optional Rate Enhancement Rider has been elected, the daily rider charges that are deducted from the Crediting Base(s) for your Index-Linked Segment Option(s) will not trigger an Equity Adjustment, even when deducted before the end of a Segment Term, as the deduction of those rider charges are not based on the Segment Interim Value. See Optional Benefit — Rate Enhancement Rider below. However, the reduction to your Crediting Base will result in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of the Segment Term.</div>If the optional Annual Step-Up Death Benefit has been elected, the daily rider charges are deducted from your Accumulated Value. Each day that the rider charge is deducted from the Segment Interim Value of an Index-Linked Segment Option (i.e., every day between the Segment Start Date and the Segment End Date), an Equity Adjustment will apply, which may be negative. In addition, the Crediting Base for the Index-Linked Segment Option will be proportionately reduced. The reduction to the Crediting Base could be greater than the fee deducted. On a Segment End Date, the fee will reduce the Segment Value and Crediting Base (after the application of Segment Credit) on a dollar-for-dollar basis. See Optional Benefit – Annual Step-Up Death Benefit below. <div style="margin-top:7.7pt;text-indent:27pt">On any day during a Segment Term (including a Segment End Date), a Bond Adjustment may upon a withdrawal or other Surrender. Except as otherwise provided below, a Bond Adjustment will apply to the following regardless of when it occurs (even a Segment End Date):</div> For Contracts with applications signed on or after May 1, 2025: (i) any withdrawal in excess of the Free Surrender Amount, including a full withdrawal, partial withdrawal, scheduled withdrawal or unscheduled withdrawal; (ii) any Annuitization; or (iii) any death benefit.<div style="margin-top:7.7pt;padding-left:79.45pt">Note: A Bond Adjustment does not apply to RMD withdrawals, as RMD withdrawals will be withdrawals of the Free Surrender Amount.</div><div style="margin-top:7.7pt;padding-left:79.45pt;text-indent:-18pt">•For Contracts with applications signed before May 1, 2025: (i) any withdrawal, including a full withdrawal, partial withdrawal, RMD withdrawal, scheduled withdrawal, unscheduled withdrawal or withdrawal of the Free Surrender amount; (ii) any Annuitization; or (iii) any death benefit.</div><div style="margin-top:8pt;padding-left:79.45pt">Note: A Bond Adjustment does apply to withdrawals of the Free Surrender Amount, including RMD withdrawals</div> 1 <div style="margin-top:8.45pt;text-indent:27pt">The Bond Adjustment will be reflected in the Surrender Value, along with any applicable Surrender Charge or Equity Adjustment. The Bond Adjustment will apply after any applicable Equity Adjustment or optional benefit fee, and before any applicable Surrender Charge. Losses due to negative Bond Adjustments will be greater if you also incur a Surrender Charge, a negative Equity Adjustment, taxes or tax penalties.</div><div style="margin-top:7.55pt;text-indent:27pt">A Bond Adjustment will not apply to the following:</div><div style="margin-top:6.25pt;padding-left:79.45pt;text-indent:-18pt">•Withdrawals of the Free Surrender Amount for Contracts with applications signed on or after May 1, 2025;</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•RMD withdrawals for Contracts with applications signed on or after May 1, 2025, as RMD withdrawals will be withdrawals of the Free Surrender Amount for those Contracts;</div><div style="margin-top:6.35pt;padding-left:79.45pt;text-indent:-18pt">•Withdrawals or other Surrenders deducted from the Initial Holding Account; or</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•Exercise of the Contract’s free look rights.</div><div style="margin-top:8.45pt;text-indent:27pt">In addition, a Bond Adjustment will be zero (0%) on every Segment Anniversary evenly divisible by six (6) (e.g., 6, 12, 18, etc.).</div> <div style="margin-top:8.45pt;text-indent:27pt">The Bond Adjustment is not a fee or charge that is provided in consideration for any specific Contract features. Bond Adjustments are related to changes in the value of longer-term fixed income assets that we may hold in support of our financial obligations under the Contract. Bond Adjustments shift risk from us to Owners, protecting us from losses on those fixed income assets when amounts are Surrendered under the Contract.</div> <div style="margin-top:8.45pt;text-indent:27pt">Bond Adjustments are calculated using a formula. Changes in interests rates may cause a positive or negative Bond Adjustment. Generally, if interest rates have increased since the beginning of the current Bond Adjustment period, the Bond Adjustment will be negative, reducing the Surrender amount. If interest rates have decreased since the beginning of the current Bond Adjustment period, the Bond Adjustment will generally be positive, </div><div style="margin-top:8.45pt">increasing the Surrender amount. See CONTRACT ADJUSTMENT – Bond Adjustment in the Statement of Additional Information for more details, including examples illustrating the operation of a Bond Adjustment.</div> <div style="margin-top:0.15pt;text-indent:27pt">The bar charts shown below provide each Index’s annual returns for the last 10 calendar years (or for the life of the Index if less than 10 years), as well as the Index returns after applying a hypothetical 5% cap and a hypothetical -10% buffer. The chart illustrates the variability of the returns from year to year and shows how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future performance.</div><div style="margin-top:0.15pt;text-indent:27pt"> </div><div style="margin-top:0.15pt;text-indent:27pt">The performance below is NOT the performance of any Index-Linked Segment Option. Your performance under the Contract will differ, perhaps significantly. The performance below may reflect a different return calculation, time period and limit on Index gains and losses than the Index-Linked Segment Options, and does not reflect Contract fees and charges, including Surrender Charges, negative Bond Adjustments or negative Equity Adjustments, which reduce performance.</div> <div style="margin-top:0.15pt;text-indent:27pt"><img alt="image (5).pdf.jpg" id="i-1" src="pso-20260429_g1.jpg" style="height:342px;margin-bottom:5pt;vertical-align:text-bottom;width:602px"/></div>1 This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. <div style="margin-top:0.15pt;padding-left:27pt;padding-right:49.1pt"><img alt="Russell 2000.jpg" id="i-2" src="pso-20260429_g2.jpg" style="height:342px;margin-bottom:5pt;vertical-align:text-bottom;width:599px"/></div><div style="margin-top:0.15pt;padding-left:27pt;padding-right:49.1pt"> </div>1 This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. <div style="margin-top:0.15pt;padding-left:27pt;padding-right:49.1pt"><img alt="MSCI EAFE .jpg" id="i-3" src="pso-20260429_g3.jpg" style="height:322px;margin-bottom:5pt;vertical-align:text-bottom;width:565px"/></div>1 This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. <div style="margin-top:0.15pt;padding-left:27pt;padding-right:49.1pt"><img alt="nasdaq -100 price return index.jpg" id="i-4" src="pso-20260429_g4.jpg" style="height:342px;margin-bottom:5pt;vertical-align:text-bottom;width:599px"/></div>1 This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. <div style="margin-top:0.15pt;padding-left:27pt;padding-right:49.1pt"><img alt="SG Smart Climate Index.jpg" id="i-5" src="pso-20260429_g5.jpg" style="height:342px;margin-bottom:5pt;vertical-align:text-bottom;width:598px"/></div><div style="text-align:center"> </div><div style="margin-top:0.15pt;padding-left:27pt;padding-right:49.1pt">1 Inception date: September 7, 2022.</div>2 The Index provider deducts fees and costs when calculating the Index return, which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. The Index provider deducts fees and costs when calculating the Index return, which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. The Indices available on the Contract Date are not guaranteed for the life of the Contract. For each Index-Linked Segment Option, we may change the Index for future Segment Terms. <div style="margin-top:8.45pt;text-indent:27pt">The Index-Linked Segment Options are also subject to our right of Index substitution. For any Index-Linked Segment Option, we reserve the right to substitute the Index during a Segment Term if the Index is discontinued or when there is a substantial change in the calculation of the Index that materially modifies the performance or values of the Index or when there is an unexpected increase in our cost to hedge obligations under the Contract. We may also substitute an Index during a Segment Term should Index Values become unavailable for any reason. The substitution of an Index will have no impact on an Index-Linked Segment Option’s Segment Term, Cap Rate, Participation Rate, Buffer Rate, Peak Buffer Midpoint or Floor Rate, as applicable.</div> When substituting an Index during a Segment Term, we will attempt to select an alternative Index that, in our judgment, has an investment and risk profile similar to the original Index. We will notify you at least 30 days in advance of the substitution, and the notice will include the Index and Segment Option(s) involved. In the event that it is necessary to substitute on less than 30 days’ notice due to circumstances outside of our control, we will provide notice of the substitution as soon as practicable. If required by law, any substitution of an Index is subject to approval by the state insurance authorities where the Contract was issued. In the event that a similar Index is not found, we will substitute the original Index with a domestic or international broad-based securities market index. An Index-Linked Segment Option will not be ended prior to the end of the Segment Term due to our inability to find a similar Index. <div style="margin-top:7.6pt;text-indent:27pt">If the substitution of an Index occurs during a Segment Term, the point-to-point method will be used in measuring performance of the original Index from the Segment Start Date to the date of substitution and performance of the new Index from the day after substitution through the Segment End Date. An example of how the change in the Index Value would be calculated if a substitution of an Index occurs in the middle of a Segment Term is as follows:</div><div style="margin-top:6.25pt;padding-left:44.4pt;text-indent:8pt">Assume the following:</div><div style="margin-top:6.25pt;padding-left:79.45pt;text-indent:-18pt">•Substitution happens halfway through the Segment Term</div><div style="margin-top:6.25pt;padding-left:79.45pt;text-indent:-18pt">•Performance of the original Index is 5% from the Segment Start Date to the date of substitution</div><div style="margin-top:4.35pt;padding-left:79.45pt;text-indent:-18pt">•Performance of the new Index is -2% from the day after substitution through the Segment End Date</div><div style="margin-top:6.05pt;padding-left:79.45pt;text-indent:-18pt">•The change in the Index Value for the full Segment Term would be 3%, which is the performance of the original Index from the Segment Start Date to the date of the substitution (5%) reduced by the negative performance of the new Index from the day after substitution through the Segment End Date (-2%).</div> BENEFITS AVAILABLE UNDER THE CONTRACT<div style="margin-top:8.45pt;text-indent:27pt">The following table summarizes information about the benefits available under the Contract.</div><div style="margin-bottom:6pt;margin-top:8.45pt;padding-left:27.35pt">Depending on your financial professional or your financial professional’s firm, certain benefits may not be available, or may be available on different terms. See APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS. </div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.860%"><tr><td style="width:1.0%"></td><td style="width:15.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.926%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.693%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-right:-0.68pt;text-align:center">Standard Benefits</div></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.92pt;padding-right:2.92pt;text-align:center">Name of Benefit</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:23.47pt;padding-right:23.47pt;text-align:center">Purpose</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Maximum Fee</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Brief Description of Restrictions/Limitations</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:14.77pt">Free Surrender Amount</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:5.97pt;padding-right:12.32pt">For Contracts with applications signed on or after May 1, 2025:</div><div style="margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt">Provides for an amount that may be withdrawn each Contract Year without incurring Surrender Charges or Bond Adjustments</div><div style="margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt"> </div><div style="margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt">For Contracts with applications signed before May 1, 2025:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt">Provides for an amount that may be withdrawn each Contract Year without incurring Surrender Charges</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 4.11pt;text-align:center;vertical-align:top">None</td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:2.97pt;text-indent:-10pt">•Withdrawals of Free Surrender Amount may be subject to negative Equity Adjustments and taxes and tax penalties</div><div style="margin-top:2pt;padding-left:15.92pt;padding-right:25.67pt;text-indent:-10pt">•For Contracts with applications signed before May 1, 2025, withdrawals of Free Surrender Amount may be subject to Bond Adjustments</div><div style="margin-top:2pt;padding-left:15.92pt;padding-right:25.67pt;text-indent:-10pt">•All withdrawals count against Free Surrender Amount</div><div style="margin-top:2pt;padding-left:15.92pt;padding-right:6.22pt;text-indent:-10pt">•Partial Annuitizations count against Free Surrender Amount remaining, but are not treated as withdrawals of Free Surrender Amount</div><div style="margin-bottom:1pt;margin-top:2pt;padding-left:15.92pt;padding-right:18.72pt;text-indent:-10pt">•Unused Free Surrender Amount not available in future Contract Years</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.860%"><tr><td style="width:1.0%"></td><td style="width:15.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.926%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.693%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:27.72pt">Segment Lock-Ins</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:18.67pt">Gives you the option to lock in an Equity Adjustment for an Index-Linked Segment Option prior to the Segment End Date If exercised, you will receive a Segment Credit on the Segment End Date equal to the locked-in Equity Adjustment rather than Segment Credits using the point-to-point crediting methodology for the Index-Linked Segment Option</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:top">None</td><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:3.12pt;text-indent:-10pt">•We will not provide advice or notify you regarding whether you should exercise Segment Lock-In or the optimal time for doing so (if any)</div><div style="margin-top:6.3pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•We will not warn you if you exercise Segment Lock-In at a sub-optimal time</div><div style="margin-top:6.1pt;padding-left:15.92pt;padding-right:3.72pt;text-indent:-10pt">•We will not warn you if you set Lock-In Thresholds for Automatic Segment Lock-In at sub-optimal levels</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:5.17pt;text-indent:-10pt">•You will not know the locked-in Equity Adjustment in advance; the locked-in Equity Adjustment could be lower than you anticipated</div><div style="margin-bottom:1pt;margin-top:6.25pt;padding-left:15.92pt;padding-right:5.87pt;text-indent:-10pt">•We are not responsible for any losses or forgone gains related to your decision whether or not to exercise Segment Lock-In</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.860%"><tr><td style="width:1.0%"></td><td style="width:15.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.926%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.693%"></td><td style="width:0.1%"></td></tr><tr style="height:30pt"><td colspan="3" rowspan="7" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:0 1pt"></td><td colspan="3" rowspan="7" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:0 1pt"></td><td colspan="3" rowspan="7" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:0 1pt"></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div></td></tr><tr style="height:31pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:22.42pt;text-indent:-10pt">•Only available for the Index-Linked Segment Options</div></td></tr><tr style="height:72pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:13.07pt;text-indent:-10pt">•Will not participate in Index performance (positive or negative) for the remainder of the Segment Term, including the Segment End Date</div></td></tr><tr style="height:72pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:10.77pt;text-indent:-10pt">•Floor Rate, Buffer Rate, Peak Buffer Midpoint, Cap Rate and Participation Rate, as applicable, will not apply on the Segment End Date</div></td></tr><tr style="height:69pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-left:15.92pt;padding-right:3.42pt;text-indent:-10pt">•Locking-in a negative Equity Adjustment will result in loss, no downside protection under buffer or floor will apply, and the loss could be significant</div></td></tr><tr style="height:62pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:6pt;padding-left:15.87pt;padding-right:7.92pt;text-indent:-10.1pt">•For multi-year Segment Terms, upon exercise, Segment End Date will always be next Segment Anniversary</div></td></tr><tr style="height:163pt"><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:6pt;padding-left:15.92pt;padding-right:13.07pt;text-indent:-10pt">•Cannot be exercised during last two Valuation Days prior to Segment End Date</div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:16.67pt;text-indent:-10.1pt">•May be exercised once per Segment Term for each Index-Linked Segment Option</div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:8.67pt;text-indent:-10.1pt">•May only exercise for entire Accumulated Value in an Index-Linked Segment Option</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:15.87pt;padding-right:13.07pt;text-indent:-10.1pt">•Exercise is irrevocable</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.860%"><tr><td style="width:1.0%"></td><td style="width:15.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.926%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.693%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:6.32pt;padding-right:7.87pt">Standard Death Benefit</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:5.97pt;padding-right:7.12pt">Provides for a death benefit upon death of the Owner during the accumulation period</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:top">None</td><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•If age of oldest Owner on application date is 79 or younger, benefit will equal the greater of Accumulated Value or Premium Payment</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•If age of oldest Owner on the application date is 80 or older, benefit will equal Accumulated Value</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•Accumulated Value reflects any applicable Equity Adjustment and is subject to a Bond Adjustment, which may be negative</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:11.77pt;text-indent:-10pt">•Premium Payment component, if applicable, is subject to proportionate reductions for prior Surrenders</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:7.82pt;text-indent:-10pt">•Partial withdrawals and Annuitizations could significantly reduce the benefit, perhaps by more than the amount withdrawn or Annuitized</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•Terminates upon full Annuitization</div><div style="margin-bottom:1pt;margin-top:6.05pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•State variations may apply</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:4.67pt">Critical Need Surrender Charge Waiver Rider</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:5.97pt;padding-right:12.62pt">Waiver of Surrender Charges in the event of a critical need</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:top">None</td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:12.42pt;text-indent:-10pt">•Automatically included in Contract at issue</div><div style="margin-top:4.15pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Owner or Annuitant must have a “critical need” as defined by the benefit</div><div style="margin-top:4.15pt;padding-left:15.92pt;padding-right:24.47pt;text-indent:-10pt">•Critical need must not pre-exist the Contract Date</div><div style="margin-top:4.15pt;padding-left:15.92pt;padding-right:7.77pt;text-indent:-10pt">•Withdrawals under the benefit may be subject to negative Bond Adjustments, negative Equity Adjustments and taxes and tax penalties</div><div style="margin-bottom:1pt;margin-top:4.3pt;padding-left:15.92pt;padding-right:23.12pt;text-indent:-10pt">•Withdrawals count against the Free Surrender Amount</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.009%"><tr><td style="width:1.0%"></td><td style="width:16.615%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.231%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.131%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.623%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-left:195.47pt;padding-right:195.02pt">Optional Benefits</div></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:5.87pt;padding-right:0.02pt">Name of Benefit</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-1.3pt;text-align:center">Purpose</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:11.82pt;padding-right:0.02pt">Maximum Fee</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:21.47pt;padding-right:0.02pt">Brief Description of Restrictions/Limitations</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.009%"><tr><td style="width:1.0%"></td><td style="width:16.615%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.231%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.131%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.623%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:7.52pt">Rate Enhancement Rider</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:6.22pt">Provides an increased Participation Rate and/or Cap Rate on the Index-Linked Segment Options</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">0.95%</div><div style="margin-bottom:1pt;margin-top:1.25pt;padding-left:2.22pt;padding-right:6.22pt">(as an annualized percentage of each Index-Linked Segment Option Crediting Base as of the Segment Start Date, adjusted for any partial Surrender from Segment Interim Value)</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:12.42pt;text-indent:-10pt">•May be elected only at Contract issue</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Cannot terminate until a Segment Anniversary evenly divisible by 6 (e.g., 6, 12, 18, etc.)</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•No guaranteed minimum increase to standard Cap Rates / Participation Rates</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•May not receive positive Segment Credits, if any, in excess of the rider fees</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Rider fees may significantly reduce your Crediting Base, resulting in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of a Segment Term.</div><div style="margin-bottom:1pt;margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•The deduction of rider charges will not trigger a Bond or Equity Adjustment</div><div style="margin-bottom:1pt;margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Certain Index-Linked Segment Options are only available with Rate Enhancement Rider. </div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:7.52pt">Annual Step-Up Death Benefit</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:6.22pt">Provides for a death benefit upon death of the Owner during the accumulation period. Includes an annual step-up feature that may provide for a greater death benefit compared to the standard death benefit.</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">0.60%</div><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">(as an annualized percentage of Highest Accumulated Value)</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:6pt;padding-left:15.87pt;padding-right:6.52pt;text-indent:-10.1pt">•Available for Contracts with applications signed on or after May 18, 2026; may be elected only at Contract issue; not available if oldest Owner is age 76 or older.</div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:6.52pt;text-indent:-10.1pt">•Cannot terminate until after the 6th Contract Anniversary </div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:6.52pt;text-indent:-10.1pt">•Benefit payable only during the accumulation period</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•Benefit will equal the greater of Accumulated Value, Premium Payment, or Highest Accumulated Value</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•Accumulated Value reflects any applicable Equity Adjustment and is subject to a Bond Adjustment, which may be negative</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:7.82pt;text-indent:-10pt">•Partial withdrawals and Annuitizations could significantly reduce the benefit, perhaps by more than the amount withdrawn or Annuitized</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:7.82pt;text-indent:-10pt">•Negative investment performance, partial Surrenders, charges, and negative Equity Adjustments will reduce the probability of an annual step-up</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•Terminates upon full Annuitization</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•State variations may apply</div></td></tr></table></div> <div style="margin-top:8.45pt;text-indent:27pt">The following table summarizes information about the benefits available under the Contract.</div><div style="margin-bottom:6pt;margin-top:8.45pt;padding-left:27.35pt">Depending on your financial professional or your financial professional’s firm, certain benefits may not be available, or may be available on different terms. See APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS. </div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.860%"><tr><td style="width:1.0%"></td><td style="width:15.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.926%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.693%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-right:-0.68pt;text-align:center">Standard Benefits</div></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.92pt;padding-right:2.92pt;text-align:center">Name of Benefit</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:23.47pt;padding-right:23.47pt;text-align:center">Purpose</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Maximum Fee</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Brief Description of Restrictions/Limitations</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:14.77pt">Free Surrender Amount</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:5.97pt;padding-right:12.32pt">For Contracts with applications signed on or after May 1, 2025:</div><div style="margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt">Provides for an amount that may be withdrawn each Contract Year without incurring Surrender Charges or Bond Adjustments</div><div style="margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt"> </div><div style="margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt">For Contracts with applications signed before May 1, 2025:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt">Provides for an amount that may be withdrawn each Contract Year without incurring Surrender Charges</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 4.11pt;text-align:center;vertical-align:top">None</td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:2.97pt;text-indent:-10pt">•Withdrawals of Free Surrender Amount may be subject to negative Equity Adjustments and taxes and tax penalties</div><div style="margin-top:2pt;padding-left:15.92pt;padding-right:25.67pt;text-indent:-10pt">•For Contracts with applications signed before May 1, 2025, withdrawals of Free Surrender Amount may be subject to Bond Adjustments</div><div style="margin-top:2pt;padding-left:15.92pt;padding-right:25.67pt;text-indent:-10pt">•All withdrawals count against Free Surrender Amount</div><div style="margin-top:2pt;padding-left:15.92pt;padding-right:6.22pt;text-indent:-10pt">•Partial Annuitizations count against Free Surrender Amount remaining, but are not treated as withdrawals of Free Surrender Amount</div><div style="margin-bottom:1pt;margin-top:2pt;padding-left:15.92pt;padding-right:18.72pt;text-indent:-10pt">•Unused Free Surrender Amount not available in future Contract Years</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.860%"><tr><td style="width:1.0%"></td><td style="width:15.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.926%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.693%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:27.72pt">Segment Lock-Ins</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:18.67pt">Gives you the option to lock in an Equity Adjustment for an Index-Linked Segment Option prior to the Segment End Date If exercised, you will receive a Segment Credit on the Segment End Date equal to the locked-in Equity Adjustment rather than Segment Credits using the point-to-point crediting methodology for the Index-Linked Segment Option</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:top">None</td><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:3.12pt;text-indent:-10pt">•We will not provide advice or notify you regarding whether you should exercise Segment Lock-In or the optimal time for doing so (if any)</div><div style="margin-top:6.3pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•We will not warn you if you exercise Segment Lock-In at a sub-optimal time</div><div style="margin-top:6.1pt;padding-left:15.92pt;padding-right:3.72pt;text-indent:-10pt">•We will not warn you if you set Lock-In Thresholds for Automatic Segment Lock-In at sub-optimal levels</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:5.17pt;text-indent:-10pt">•You will not know the locked-in Equity Adjustment in advance; the locked-in Equity Adjustment could be lower than you anticipated</div><div style="margin-bottom:1pt;margin-top:6.25pt;padding-left:15.92pt;padding-right:5.87pt;text-indent:-10pt">•We are not responsible for any losses or forgone gains related to your decision whether or not to exercise Segment Lock-In</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.860%"><tr><td style="width:1.0%"></td><td style="width:15.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.926%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.693%"></td><td style="width:0.1%"></td></tr><tr style="height:30pt"><td colspan="3" rowspan="7" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:0 1pt"></td><td colspan="3" rowspan="7" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:0 1pt"></td><td colspan="3" rowspan="7" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:0 1pt"></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div></td></tr><tr style="height:31pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:22.42pt;text-indent:-10pt">•Only available for the Index-Linked Segment Options</div></td></tr><tr style="height:72pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:13.07pt;text-indent:-10pt">•Will not participate in Index performance (positive or negative) for the remainder of the Segment Term, including the Segment End Date</div></td></tr><tr style="height:72pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:10.77pt;text-indent:-10pt">•Floor Rate, Buffer Rate, Peak Buffer Midpoint, Cap Rate and Participation Rate, as applicable, will not apply on the Segment End Date</div></td></tr><tr style="height:69pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-left:15.92pt;padding-right:3.42pt;text-indent:-10pt">•Locking-in a negative Equity Adjustment will result in loss, no downside protection under buffer or floor will apply, and the loss could be significant</div></td></tr><tr style="height:62pt"><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:6pt;padding-left:15.87pt;padding-right:7.92pt;text-indent:-10.1pt">•For multi-year Segment Terms, upon exercise, Segment End Date will always be next Segment Anniversary</div></td></tr><tr style="height:163pt"><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:6pt;padding-left:15.92pt;padding-right:13.07pt;text-indent:-10pt">•Cannot be exercised during last two Valuation Days prior to Segment End Date</div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:16.67pt;text-indent:-10.1pt">•May be exercised once per Segment Term for each Index-Linked Segment Option</div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:8.67pt;text-indent:-10.1pt">•May only exercise for entire Accumulated Value in an Index-Linked Segment Option</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:15.87pt;padding-right:13.07pt;text-indent:-10.1pt">•Exercise is irrevocable</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.860%"><tr><td style="width:1.0%"></td><td style="width:15.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.926%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.693%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:6.32pt;padding-right:7.87pt">Standard Death Benefit</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:5.97pt;padding-right:7.12pt">Provides for a death benefit upon death of the Owner during the accumulation period</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:top">None</td><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•If age of oldest Owner on application date is 79 or younger, benefit will equal the greater of Accumulated Value or Premium Payment</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•If age of oldest Owner on the application date is 80 or older, benefit will equal Accumulated Value</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•Accumulated Value reflects any applicable Equity Adjustment and is subject to a Bond Adjustment, which may be negative</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:11.77pt;text-indent:-10pt">•Premium Payment component, if applicable, is subject to proportionate reductions for prior Surrenders</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:7.82pt;text-indent:-10pt">•Partial withdrawals and Annuitizations could significantly reduce the benefit, perhaps by more than the amount withdrawn or Annuitized</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•Terminates upon full Annuitization</div><div style="margin-bottom:1pt;margin-top:6.05pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•State variations may apply</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:4.67pt">Critical Need Surrender Charge Waiver Rider</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:5.97pt;padding-right:12.62pt">Waiver of Surrender Charges in the event of a critical need</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:top">None</td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:12.42pt;text-indent:-10pt">•Automatically included in Contract at issue</div><div style="margin-top:4.15pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Owner or Annuitant must have a “critical need” as defined by the benefit</div><div style="margin-top:4.15pt;padding-left:15.92pt;padding-right:24.47pt;text-indent:-10pt">•Critical need must not pre-exist the Contract Date</div><div style="margin-top:4.15pt;padding-left:15.92pt;padding-right:7.77pt;text-indent:-10pt">•Withdrawals under the benefit may be subject to negative Bond Adjustments, negative Equity Adjustments and taxes and tax penalties</div><div style="margin-bottom:1pt;margin-top:4.3pt;padding-left:15.92pt;padding-right:23.12pt;text-indent:-10pt">•Withdrawals count against the Free Surrender Amount</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.009%"><tr><td style="width:1.0%"></td><td style="width:16.615%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.231%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.131%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.623%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="background-color:#d9d9d9;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1.5pt;margin-top:2.15pt;padding-left:195.47pt;padding-right:195.02pt">Optional Benefits</div></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:5.87pt;padding-right:0.02pt">Name of Benefit</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-right:-1.3pt;text-align:center">Purpose</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:11.82pt;padding-right:0.02pt">Maximum Fee</div></td><td colspan="3" style="background-color:#d9d9d9;border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:21.47pt;padding-right:0.02pt">Brief Description of Restrictions/Limitations</div></td></tr></table></div><div style="padding-left:27pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.009%"><tr><td style="width:1.0%"></td><td style="width:16.615%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.231%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.131%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.623%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:7.52pt">Rate Enhancement Rider</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:6.22pt">Provides an increased Participation Rate and/or Cap Rate on the Index-Linked Segment Options</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">0.95%</div><div style="margin-bottom:1pt;margin-top:1.25pt;padding-left:2.22pt;padding-right:6.22pt">(as an annualized percentage of each Index-Linked Segment Option Crediting Base as of the Segment Start Date, adjusted for any partial Surrender from Segment Interim Value)</div></td><td colspan="3" style="border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:12.42pt;text-indent:-10pt">•May be elected only at Contract issue</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Cannot terminate until a Segment Anniversary evenly divisible by 6 (e.g., 6, 12, 18, etc.)</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•No guaranteed minimum increase to standard Cap Rates / Participation Rates</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•May not receive positive Segment Credits, if any, in excess of the rider fees</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Rider fees may significantly reduce your Crediting Base, resulting in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of a Segment Term.</div><div style="margin-bottom:1pt;margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•The deduction of rider charges will not trigger a Bond or Equity Adjustment</div><div style="margin-bottom:1pt;margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Certain Index-Linked Segment Options are only available with Rate Enhancement Rider. </div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:7.52pt">Annual Step-Up Death Benefit</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:6.22pt">Provides for a death benefit upon death of the Owner during the accumulation period. Includes an annual step-up feature that may provide for a greater death benefit compared to the standard death benefit.</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">0.60%</div><div style="margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt">(as an annualized percentage of Highest Accumulated Value)</div></td><td colspan="3" style="border-bottom:0.5pt solid #231f20;border-left:0.5pt solid #231f20;border-right:0.5pt solid #231f20;border-top:0.5pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:6pt;padding-left:15.87pt;padding-right:6.52pt;text-indent:-10.1pt">•Available for Contracts with applications signed on or after May 18, 2026; may be elected only at Contract issue; not available if oldest Owner is age 76 or older.</div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:6.52pt;text-indent:-10.1pt">•Cannot terminate until after the 6th Contract Anniversary </div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:6.52pt;text-indent:-10.1pt">•Benefit payable only during the accumulation period</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•Benefit will equal the greater of Accumulated Value, Premium Payment, or Highest Accumulated Value</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•Accumulated Value reflects any applicable Equity Adjustment and is subject to a Bond Adjustment, which may be negative</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:7.82pt;text-indent:-10pt">•Partial withdrawals and Annuitizations could significantly reduce the benefit, perhaps by more than the amount withdrawn or Annuitized</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:7.82pt;text-indent:-10pt">•Negative investment performance, partial Surrenders, charges, and negative Equity Adjustments will reduce the probability of an annual step-up</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•Terminates upon full Annuitization</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•State variations may apply</div></td></tr></table></div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:14.77pt">Free Surrender Amount</div> <div style="margin-top:1.65pt;padding-left:5.97pt;padding-right:12.32pt">For Contracts with applications signed on or after May 1, 2025:</div><div style="margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt">Provides for an amount that may be withdrawn each Contract Year without incurring Surrender Charges or Bond Adjustments</div><div style="margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt"> </div><div style="margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt">For Contracts with applications signed before May 1, 2025:</div><div style="margin-bottom:1pt;margin-top:1.1pt;padding-left:5.97pt;padding-right:12.32pt">Provides for an amount that may be withdrawn each Contract Year without incurring Surrender Charges</div> 0 <div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:2.97pt;text-indent:-10pt">•Withdrawals of Free Surrender Amount may be subject to negative Equity Adjustments and taxes and tax penalties</div><div style="margin-top:2pt;padding-left:15.92pt;padding-right:25.67pt;text-indent:-10pt">•For Contracts with applications signed before May 1, 2025, withdrawals of Free Surrender Amount may be subject to Bond Adjustments</div><div style="margin-top:2pt;padding-left:15.92pt;padding-right:25.67pt;text-indent:-10pt">•All withdrawals count against Free Surrender Amount</div><div style="margin-top:2pt;padding-left:15.92pt;padding-right:6.22pt;text-indent:-10pt">•Partial Annuitizations count against Free Surrender Amount remaining, but are not treated as withdrawals of Free Surrender Amount</div><div style="margin-bottom:1pt;margin-top:2pt;padding-left:15.92pt;padding-right:18.72pt;text-indent:-10pt">•Unused Free Surrender Amount not available in future Contract Years</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:27.72pt">Segment Lock-Ins</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:18.67pt">Gives you the option to lock in an Equity Adjustment for an Index-Linked Segment Option prior to the Segment End Date If exercised, you will receive a Segment Credit on the Segment End Date equal to the locked-in Equity Adjustment rather than Segment Credits using the point-to-point crediting methodology for the Index-Linked Segment Option</div> 0 <div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:3.12pt;text-indent:-10pt">•We will not provide advice or notify you regarding whether you should exercise Segment Lock-In or the optimal time for doing so (if any)</div><div style="margin-top:6.3pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•We will not warn you if you exercise Segment Lock-In at a sub-optimal time</div><div style="margin-top:6.1pt;padding-left:15.92pt;padding-right:3.72pt;text-indent:-10pt">•We will not warn you if you set Lock-In Thresholds for Automatic Segment Lock-In at sub-optimal levels</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:5.17pt;text-indent:-10pt">•You will not know the locked-in Equity Adjustment in advance; the locked-in Equity Adjustment could be lower than you anticipated</div><div style="margin-bottom:1pt;margin-top:6.25pt;padding-left:15.92pt;padding-right:5.87pt;text-indent:-10pt">•We are not responsible for any losses or forgone gains related to your decision whether or not to exercise Segment Lock-In</div><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:22.42pt;text-indent:-10pt">•Only available for the Index-Linked Segment Options</div><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:13.07pt;text-indent:-10pt">•Will not participate in Index performance (positive or negative) for the remainder of the Segment Term, including the Segment End Date</div><div style="margin-bottom:1pt;margin-top:2.15pt;padding-left:15.92pt;padding-right:10.77pt;text-indent:-10pt">•Floor Rate, Buffer Rate, Peak Buffer Midpoint, Cap Rate and Participation Rate, as applicable, will not apply on the Segment End Date</div><div style="margin-bottom:1.5pt;margin-top:2.65pt;padding-left:15.92pt;padding-right:3.42pt;text-indent:-10pt">•Locking-in a negative Equity Adjustment will result in loss, no downside protection under buffer or floor will apply, and the loss could be significant</div><div style="margin-bottom:1.5pt;margin-top:6pt;padding-left:15.87pt;padding-right:7.92pt;text-indent:-10.1pt">•For multi-year Segment Terms, upon exercise, Segment End Date will always be next Segment Anniversary</div><div style="margin-top:6pt;padding-left:15.92pt;padding-right:13.07pt;text-indent:-10pt">•Cannot be exercised during last two Valuation Days prior to Segment End Date</div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:16.67pt;text-indent:-10.1pt">•May be exercised once per Segment Term for each Index-Linked Segment Option</div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:8.67pt;text-indent:-10.1pt">•May only exercise for entire Accumulated Value in an Index-Linked Segment Option</div><div style="margin-bottom:1pt;margin-top:6pt;padding-left:15.87pt;padding-right:13.07pt;text-indent:-10.1pt">•Exercise is irrevocable</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:6.32pt;padding-right:7.87pt">Standard Death Benefit</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:5.97pt;padding-right:7.12pt">Provides for a death benefit upon death of the Owner during the accumulation period</div> 0 <div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•If age of oldest Owner on application date is 79 or younger, benefit will equal the greater of Accumulated Value or Premium Payment</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•If age of oldest Owner on the application date is 80 or older, benefit will equal Accumulated Value</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•Accumulated Value reflects any applicable Equity Adjustment and is subject to a Bond Adjustment, which may be negative</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:11.77pt;text-indent:-10pt">•Premium Payment component, if applicable, is subject to proportionate reductions for prior Surrenders</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:7.82pt;text-indent:-10pt">•Partial withdrawals and Annuitizations could significantly reduce the benefit, perhaps by more than the amount withdrawn or Annuitized</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•Terminates upon full Annuitization</div><div style="margin-bottom:1pt;margin-top:6.05pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•State variations may apply</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:3.22pt;padding-right:4.67pt">Critical Need Surrender Charge Waiver Rider</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:5.97pt;padding-right:12.62pt">Waiver of Surrender Charges in the event of a critical need</div> 0 <div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:12.42pt;text-indent:-10pt">•Automatically included in Contract at issue</div><div style="margin-top:4.15pt;padding-left:15.92pt;padding-right:6.77pt;text-indent:-10pt">•Only available during the accumulation period</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Owner or Annuitant must have a “critical need” as defined by the benefit</div><div style="margin-top:4.15pt;padding-left:15.92pt;padding-right:24.47pt;text-indent:-10pt">•Critical need must not pre-exist the Contract Date</div><div style="margin-top:4.15pt;padding-left:15.92pt;padding-right:7.77pt;text-indent:-10pt">•Withdrawals under the benefit may be subject to negative Bond Adjustments, negative Equity Adjustments and taxes and tax penalties</div><div style="margin-bottom:1pt;margin-top:4.3pt;padding-left:15.92pt;padding-right:23.12pt;text-indent:-10pt">•Withdrawals count against the Free Surrender Amount</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:7.52pt">Rate Enhancement Rider</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:6.22pt">Provides an increased Participation Rate and/or Cap Rate on the Index-Linked Segment Options</div> 0.0095 <div style="margin-top:1.65pt;padding-left:15.92pt;padding-right:12.42pt;text-indent:-10pt">•May be elected only at Contract issue</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Cannot terminate until a Segment Anniversary evenly divisible by 6 (e.g., 6, 12, 18, etc.)</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•No guaranteed minimum increase to standard Cap Rates / Participation Rates</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•May not receive positive Segment Credits, if any, in excess of the rider fees</div><div style="margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•Rider fees may significantly reduce your Crediting Base, resulting in lower Segment Interim Values for the remainder of the Segment Term, and less gain or more loss, as applicable, at the end of a Segment Term.</div><div style="margin-bottom:1pt;margin-top:4.1pt;padding-left:15.92pt;padding-right:6.52pt;text-indent:-10pt">•The deduction of rider charges will not trigger a Bond or Equity Adjustment</div>•Certain Index-Linked Segment Options are only available with Rate Enhancement Rider. <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:7.52pt">Annual Step-Up Death Benefit</div> <div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:6.22pt">Provides for a death benefit upon death of the Owner during the accumulation period. Includes an annual step-up feature that may provide for a greater death benefit compared to the standard death benefit.</div> 0.006 <div style="margin-top:6pt;padding-left:15.87pt;padding-right:6.52pt;text-indent:-10.1pt">•Available for Contracts with applications signed on or after May 18, 2026; may be elected only at Contract issue; not available if oldest Owner is age 76 or older.</div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:6.52pt;text-indent:-10.1pt">•Cannot terminate until after the 6th Contract Anniversary </div><div style="margin-top:6pt;padding-left:15.87pt;padding-right:6.52pt;text-indent:-10.1pt">•Benefit payable only during the accumulation period</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•Benefit will equal the greater of Accumulated Value, Premium Payment, or Highest Accumulated Value</div><div style="margin-top:6.15pt;padding-left:15.92pt;padding-right:6.42pt;text-indent:-10pt">•Accumulated Value reflects any applicable Equity Adjustment and is subject to a Bond Adjustment, which may be negative</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:7.82pt;text-indent:-10pt">•Partial withdrawals and Annuitizations could significantly reduce the benefit, perhaps by more than the amount withdrawn or Annuitized</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:7.82pt;text-indent:-10pt">•Negative investment performance, partial Surrenders, charges, and negative Equity Adjustments will reduce the probability of an annual step-up</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•Terminates upon full Annuitization</div><div style="margin-top:6.25pt;padding-left:15.92pt;padding-right:0.02pt;text-indent:-10pt">•State variations may apply</div> <div style="text-align:center">APPENDIX A</div><div style="margin-top:6.1pt;text-align:center">INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT</div><div style="margin-bottom:6pt;margin-top:6pt">Index-Linked Segment Options</div><div style="margin-bottom:6pt;text-indent:27pt">The following is a list of Index-Linked Segment Options currently available under the Contract. We may change the features of the Index-Linked Segment Options listed below (including the Index and the current limits on Index gains), offer new Index-Linked Segment Options and terminate existing Index-Linked Segment Options. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at www.principal.com/StrategicOutcomes. </div><div style="margin-bottom:6pt;text-indent:27pt">Note: If amounts are removed from an Index-Linked Segment Option before the end of its Segment Term, we will apply an Equity Adjustment. This may result in a significant reduction in your Accumulated Value that could exceed any protection from Index loss that would be in place if you waited until the end of the Segment Term. In addition, if amounts are withdrawn or otherwise Surrendered from an Index-Linked Segment Option (even on a Segment End Date), we may apply a Bond Adjustment. This may result in a significant reduction in your Surrender proceeds. </div><div style="text-indent:27pt">See 10. INDEX-LINKED SEGMENT OPTION MECHANICS of the prospectus for a description of the Index-Linked Segment Options’ features. See 7. FEES, CHARGES AND ADJUSTMENTS of the prospectus for more information about Equity Adjustments and Bond Adjustments. </div><div style="margin-top:6pt;text-indent:27.35pt">The availability of Segment Options may vary depending on your financial professional or your financial professional’s firm. See APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS.</div><div style="padding-left:36pt"> </div><div style="padding-left:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.162%"><tr><td style="width:1.0%"></td><td style="width:18.225%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.771%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.746%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Index</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Type of Index</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Segment Term</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Current Limit on Index Loss (if held until end of Segment Term)</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Minimum Limit on Index Gain (for the life of the Segment Option)</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">20% Peak Buffer</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">(10% Peak Buffer Midpoint) </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,7</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Floor</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,7</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Floor</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">2 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,2,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">100% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,8</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">20% Peak Buffer</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">(10% Peak Buffer Midpoint) </div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr></table></div><div style="padding-left:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.162%"><tr><td style="width:1.0%"></td><td style="width:18.225%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.771%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.746%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,8,9</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">100% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Russell 2000® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Small Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Russell 2000® Price Return Index1,2,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">100% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Russell 2000® Price Return Index1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Small Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Russell 2000® Price Return Index1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Small Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">MSCI EAFE Price Return Index1,4</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">International Equities </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">MSCI EAFE Price Return Index1,4</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">International Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Nasdaq-100 Price Return Index® 1,2,8,9</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">100% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Nasdaq-100 Price Return Index® 1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Nasdaq-100 Price Return Index® 1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Nasdaq-100 Price Return Index® 1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">SG Smart Climate Index3,5,7,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap ESG Equities </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P MidCap 400® Price Return Index1,2,6,8,9</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Mid Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">100% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P MidCap 400® Price Return Index1,8,9</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Mid Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P MidCap 400® Price Return Index1,8,9</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Mid Cap Equities</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr></table></div><div style="padding-left:18pt;text-indent:-9pt">1This Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities composing the Index. This will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. </div><div style="padding-left:18pt;text-indent:-9pt">2This Index-Linked Segment Option provides no protection from Index losses. </div><div style="padding-left:18pt;text-indent:-9pt">3This Index deducts fees and costs when calculating Index performance. This will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index.</div><div style="padding-left:18pt;text-indent:-9pt">4Not available for Segment Terms beginning after May 1, 2025, except for the initial Segment Term for Contracts with applications signed on or before May 1, 2025.</div><div style="padding-left:18pt;text-indent:-9pt">5This Index utilizes an environmental, social, and governance (ESG) methodology. Same as an Index-Linked Segment Option linked to any other Index, an investment in an Index-Linked Segment Option linked to this Index is not an investment in the Index, the companies that comprise the Index, or the securities that the Index seeks to track. Amounts invested in your Contract become assets of the Company. The assets in the Company's general account, which the Company invests to support its payment obligations under the Contract, are not invested based on ESG criteria.</div><div style="padding-left:18pt;text-indent:-9pt">6Only available if the Rate Enhancement Rider has been elected, subject to any other applicable restrictions on availability. </div><div style="padding-left:18pt;text-indent:-9pt">7Not available for Segment Terms beginning on or after May 18, 2026, except for the initial Segment Term for Contracts with applications signed before May 18, 2026.</div><div style="padding-left:18pt;text-indent:-9pt">8Available only upon purchase of the Contract and after the sixth Contract Year, subject to any other applicable restrictions on availability.</div><div style="padding-left:18pt;text-indent:-9pt">9Available for new Segment Terms beginning on or after May 18, 2026, subject to any other applicable restrictions on availability. </div><div style="margin-top:6pt;text-indent:27.35pt">Each Index-Linked Segment Option’s limit on Index losses for a single Segment Term is guaranteed not to change, either during a Segment Term or for future Segment Terms. However, we reserve the right to add and remove Segment Options as available investment options. As such, the limits on Index loss offered under the Contract may change from one Segment Term to the next. We will always offer an Index-Linked Segment Option with a 10% Buffer Rate.</div><div style="margin-top:6pt;text-indent:27.35pt">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. 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). We do not guarantee the availability of any other Segment Option. </div><div style="margin-top:6pt;text-indent:27.35pt">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.</div><div style="margin-top:6pt;text-indent:27.35pt">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. </div><div style="margin-top:6pt;text-indent:27.35pt">If we offer a new Index-Linked Segment Option with Cap and Participation Rate in the future, the guaranteed minimum Cap Rate will be at least 0.50% and the guaranteed minimum Participation Rate will be at least 5.00%. We reserve the right to offer Index-Linked Segment Options with different types of limits on Index gains.</div><div style="margin-top:12pt">Fixed Segment Option</div><div style="margin-top:6pt;text-indent:27.35pt">The following is the Fixed Segment Option currently available under the Contract. We may change the features of the Fixed Segment Option listed below, offer new Fixed Segment Options and terminate existing Fixed Segment Options. We will provide you with written notice before doing so. </div><div style="margin-top:6pt;text-indent:27.35pt">Note: If amounts are withdrawn or otherwise Surrendered from the Fixed Segment Option, we may apply a Bond Adjustment. Any such Bond Adjustment will be subject to the Standard Nonforfeiture Law for Individual Deferred Annuities, which means the amount payable on Surrender will never be less than the minimum non-forfeiture amount under state law.</div><div style="margin-top:6pt;text-indent:27.35pt">See 9. FIXED SEGMENT OPTION MECHANICS of the prospectus for a description of the Fixed Segment Option’s features. See 7. FEES, CHARGES AND ADJUSTMENTS of the prospectus for more information about Bond Adjustments. </div><div style="margin-bottom:12pt;margin-top:6pt;text-indent:27.35pt">The availability of Segment Options may vary depending on your financial professional or your financial professional’s firm. See APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS.</div><div style="padding-left:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.566%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.234%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Name</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Segment Term</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Minimum Guaranteed Interest Rate</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Fixed Segment Option</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">1 Year</div></td><td colspan="3" 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;padding:2px 1.01pt;text-align:center;vertical-align:top">0.05%</td></tr></table></div> <div style="margin-bottom:6pt;text-indent:27pt">The following is a list of Index-Linked Segment Options currently available under the Contract. We may change the features of the Index-Linked Segment Options listed below (including the Index and the current limits on Index gains), offer new Index-Linked Segment Options and terminate existing Index-Linked Segment Options. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at www.principal.com/StrategicOutcomes. </div><div style="margin-bottom:6pt;text-indent:27pt">Note: If amounts are removed from an Index-Linked Segment Option before the end of its Segment Term, we will apply an Equity Adjustment. This may result in a significant reduction in your Accumulated Value that could exceed any protection from Index loss that would be in place if you waited until the end of the Segment Term. In addition, if amounts are withdrawn or otherwise Surrendered from an Index-Linked Segment Option (even on a Segment End Date), we may apply a Bond Adjustment. This may result in a significant reduction in your Surrender proceeds. </div><div style="text-indent:27pt">See 10. INDEX-LINKED SEGMENT OPTION MECHANICS of the prospectus for a description of the Index-Linked Segment Options’ features. See 7. FEES, CHARGES AND ADJUSTMENTS of the prospectus for more information about Equity Adjustments and Bond Adjustments. </div><div style="margin-top:6pt;text-indent:27.35pt">The availability of Segment Options may vary depending on your financial professional or your financial professional’s firm. See APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS.</div> <div style="padding-left:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.162%"><tr><td style="width:1.0%"></td><td style="width:18.225%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.771%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.746%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Index</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Type of Index</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Segment Term</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Current Limit on Index Loss (if held until end of Segment Term)</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Minimum Limit on Index Gain (for the life of the Segment Option)</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">20% Peak Buffer</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">(10% Peak Buffer Midpoint) </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,7</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Floor</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,7</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Floor</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">2 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,2,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">100% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,8</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">20% Peak Buffer</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">(10% Peak Buffer Midpoint) </div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr></table></div><div style="padding-left:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.162%"><tr><td style="width:1.0%"></td><td style="width:18.225%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.771%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.746%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P 500® Price Return Index1,8,9</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">100% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Russell 2000® Price Return Index1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Small Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Russell 2000® Price Return Index1,2,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">100% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Russell 2000® Price Return Index1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Small Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Russell 2000® Price Return Index1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Small Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">MSCI EAFE Price Return Index1,4</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">International Equities </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">MSCI EAFE Price Return Index1,4</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">International Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Nasdaq-100 Price Return Index® 1,2,8,9</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">100% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Nasdaq-100 Price Return Index® 1</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">1 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Nasdaq-100 Price Return Index® 1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">Nasdaq-100 Price Return Index® 1,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">Large Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">SG Smart Climate Index3,5,7,8</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Large Cap ESG Equities </div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-bottom:1pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P MidCap 400® Price Return Index1,2,6,8,9</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Mid Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">0% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">100% Participation Rate</div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P MidCap 400® Price Return Index1,8,9</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Mid Cap Equities</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">10% Buffer</div></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">S&P MidCap 400® Price Return Index1,8,9</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">U.S. Mid Cap Equities</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">6 Year</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:2.77pt;padding-right:0.02pt">20% Buffer</div></td><td colspan="3" 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;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">0.50% Cap Rate &</div><div style="margin-top:1.65pt;padding-left:2.77pt;padding-right:2.77pt">5.00% Participation Rate</div></td></tr></table></div><div style="padding-left:18pt;text-indent:-9pt">1This Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities composing the Index. This will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. </div><div style="padding-left:18pt;text-indent:-9pt">2This Index-Linked Segment Option provides no protection from Index losses. </div><div style="padding-left:18pt;text-indent:-9pt">3This Index deducts fees and costs when calculating Index performance. This will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index.</div><div style="padding-left:18pt;text-indent:-9pt">4Not available for Segment Terms beginning after May 1, 2025, except for the initial Segment Term for Contracts with applications signed on or before May 1, 2025.</div><div style="padding-left:18pt;text-indent:-9pt">5This Index utilizes an environmental, social, and governance (ESG) methodology. Same as an Index-Linked Segment Option linked to any other Index, an investment in an Index-Linked Segment Option linked to this Index is not an investment in the Index, the companies that comprise the Index, or the securities that the Index seeks to track. Amounts invested in your Contract become assets of the Company. The assets in the Company's general account, which the Company invests to support its payment obligations under the Contract, are not invested based on ESG criteria.</div><div style="padding-left:18pt;text-indent:-9pt">6Only available if the Rate Enhancement Rider has been elected, subject to any other applicable restrictions on availability. </div><div style="padding-left:18pt;text-indent:-9pt">7Not available for Segment Terms beginning on or after May 18, 2026, except for the initial Segment Term for Contracts with applications signed before May 18, 2026.</div><div style="padding-left:18pt;text-indent:-9pt">8Available only upon purchase of the Contract and after the sixth Contract Year, subject to any other applicable restrictions on availability.</div>9Available for new Segment Terms beginning on or after May 18, 2026, subject to any other applicable restrictions on availability. S&P 500® Price Return Index1 U.S. Large Cap Equities P1Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P 500® Price Return Index1 U.S. Large Cap Equities P1Y 20% Buffer 0.20 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P 500® Price Return Index1 U.S. Large Cap Equities P1Y 20% Peak Buffer(10% Peak Buffer Midpoint) 0.20 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P 500® Price Return Index1,7 U.S. Large Cap Equities P1Y 0% Floor 0 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P 500® Price Return Index1,7 U.S. Large Cap Equities P1Y 10% Floor 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P 500® Price Return Index1 U.S. Large Cap Equities P2Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P 500® Price Return Index1,2,8 U.S. Large Cap Equities P6Y 0% Buffer 0 100% Participation Rate 1 S&P 500® Price Return Index1,8 U.S. Large Cap Equities P6Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P 500® Price Return Index1,8 U.S. Large Cap Equities P6Y 20% Buffer 0.20 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P 500® Price Return Index1,8 U.S. Large Cap Equities P6Y 20% Peak Buffer(10% Peak Buffer Midpoint) 0.20 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P 500® Price Return Index1,8,9 U.S. Large Cap Equities P6Y 100% Buffer 1 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 Russell 2000® Price Return Index1 U.S. Small Cap Equities P1Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 Russell 2000® Price Return Index1,2,8 U.S. Large Cap Equities P6Y 0% Buffer 0 100% Participation Rate 1 Russell 2000® Price Return Index1,8 U.S. Small Cap Equities P6Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 Russell 2000® Price Return Index1,8 U.S. Small Cap Equities P6Y 20% Buffer 0.20 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 MSCI EAFE Price Return Index1,4 International Equities P1Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 MSCI EAFE Price Return Index1,4 International Equities P6Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 Nasdaq-100 Price Return Index® 1,2,8,9 Large Cap Equities P6Y 0% Buffer 0 100% Participation Rate 1 Nasdaq-100 Price Return Index® 1 Large Cap Equities P1Y 20% Buffer 0.20 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 Nasdaq-100 Price Return Index® 1,8 Large Cap Equities P6Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 Nasdaq-100 Price Return Index® 1,8 Large Cap Equities P6Y 20% Buffer 0.20 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 SG Smart Climate Index3,5,7,8 U.S. Large Cap ESG Equities P6Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P MidCap 400® Price Return Index1,2,6,8,9 U.S. Mid Cap Equities P6Y 0% Buffer 0 100% Participation Rate 1 S&P MidCap 400® Price Return Index1,8,9 U.S. Mid Cap Equities P6Y 10% Buffer 0.10 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 S&P MidCap 400® Price Return Index1,8,9 U.S. Mid Cap Equities P6Y 20% Buffer 0.20 0.50% Cap Rate &5.00% Participation Rate 0.005 0.05 This Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities composing the Index. This will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. This Index deducts fees and costs when calculating Index performance. This will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index. 0.10 0.005 0.05 <div style="margin-top:12pt">Fixed Segment Option</div><div style="margin-top:6pt;text-indent:27.35pt">The following is the Fixed Segment Option currently available under the Contract. We may change the features of the Fixed Segment Option listed below, offer new Fixed Segment Options and terminate existing Fixed Segment Options. We will provide you with written notice before doing so. </div><div style="margin-top:6pt;text-indent:27.35pt">Note: If amounts are withdrawn or otherwise Surrendered from the Fixed Segment Option, we may apply a Bond Adjustment. Any such Bond Adjustment will be subject to the Standard Nonforfeiture Law for Individual Deferred Annuities, which means the amount payable on Surrender will never be less than the minimum non-forfeiture amount under state law.</div><div style="margin-top:6pt;text-indent:27.35pt">See 9. FIXED SEGMENT OPTION MECHANICS of the prospectus for a description of the Fixed Segment Option’s features. See 7. FEES, CHARGES AND ADJUSTMENTS of the prospectus for more information about Bond Adjustments. </div><div style="margin-bottom:12pt;margin-top:6pt;text-indent:27.35pt">The availability of Segment Options may vary depending on your financial professional or your financial professional’s firm. See APPENDIX D: FINANCIAL INTERMEDIARY VARIATIONS.</div> <div style="padding-left:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.566%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.234%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Name</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Segment Term</div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Minimum Guaranteed Interest Rate</div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">Fixed Segment Option</div></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1.65pt;padding-left:0.02pt;padding-right:0.02pt;text-align:center">1 Year</div></td><td colspan="3" 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;padding:2px 1.01pt;text-align:center;vertical-align:top">0.05%</td></tr></table></div> Fixed Segment Option P1Y 0.0005