# EDGAR Filing Document

**Accession Number:** 0000940338
**File Stem:** 0000940338-26-000036
**Filing Date:** 2026-4
**Character Count:** 484221
**Document Hash:** 9858528e59b0d2a20d8a3d93f0756980
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000940338-26-000036.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0000940338-26-000036

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 20

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000940338

**ORGANIZATION NAME:**
- **EIN:** 440308260
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-08994
- **FILM NUMBER:** 26924744

**BUSINESS ADDRESS:**
- **STREET 1:** 3520 BROADWAY
- **STREET 2:** C/O KANSAS CITY LIFE INSURANCE CO
- **CITY:** KANSAS CITY
- **STATE:** MO
- **ZIP:** 64111
- **BUSINESS PHONE:** 8167537299

**MAIL ADDRESS:**
- **STREET 1:** C/O KANSAS CITY LIFE INSURANCE CO
- **STREET 2:** 3520 BROADWAY
- **CITY:** KANSAS CITY
- **STATE:** MO
- **ZIP:** 64111
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000940338

**ORGANIZATION NAME:**
- **EIN:** 440308260
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-98805
- **FILM NUMBER:** 26924743

**BUSINESS ADDRESS:**
- **STREET 1:** 3520 BROADWAY
- **STREET 2:** C/O KANSAS CITY LIFE INSURANCE CO
- **CITY:** KANSAS CITY
- **STATE:** MO
- **ZIP:** 64111
- **BUSINESS PHONE:** 8167537299

**MAIL ADDRESS:**
- **STREET 1:** C/O KANSAS CITY LIFE INSURANCE CO
- **STREET 2:** 3520 BROADWAY
- **CITY:** KANSAS CITY
- **STATE:** MO
- **ZIP:** 64111

## Series and Classes Contracts Data

### KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT (Series ID: S000009142)

| Class ID   | Class Name                                          | Ticker Symbol   |
|:---|:---|:---|
| C000024864 | Century II Variable Annuity                         |  |
| C000024865 | Century II Affinity Variable Annuity                |  |
| C000024866 | Century II Freedom Variable Annuity                 |  |
| C000088753 | Century II Single Premium Affinity Variable Annuity |  |

?xml version='1.0' encoding='ASCII'? HTML Project Proof

As filed with the Securities and Exchange Commission on April 30, 2026

Registration Nos. 333-98805

and 811-08994

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM N-4

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 X

Pre-Effective Amendment No. <br>Post-Effective Amendment No. 29 X

and/or

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 X

Amendment No. 124 X

KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT

(Exact Name of Registered Separate Account)

KANSAS CITY LIFE INSURANCE COMPANY

(Name of Insurance Company)

3520 Broadway, Kansas City, Missouri 64111-2565

(Address of Insurance Company's Principal Executive Offices)

Insurance Company's Telephone Number, including Area Code: (816) 753-7000

A. Craig Mason Jr.

Kansas City Life Insurance Company

3520 Broadway, Kansas City, Missouri 64111-2565

(Name and Address of Agent for Service)

Copy to:

Stephen E. Roth

Thomas E. Bisset

Eversheds Sutherland (US) LLP

700 Sixth Street, NW, Suite 700, Washington, DC 20001-3980

Approximate Date of Proposed Public Offering: Continuously on and after the effective date of this Registration Statement

It is proposed that this filing will become effective:

___ immediately upon filing pursuant to paragraph (b) of Rule 485

&nbsp;&nbsp;&nbsp;&nbsp;<u>X</u> on May 1, 2026 pursuant to paragraph (b) of Rule 485

___ 60 days after filing pursuant to paragraph (a)(1) of Rule 485

___ on (date) pursuant to paragraph (a)(1) of Rule 485

If appropriate, check the following box:

  This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

Check each box that appropriately characterizes the Registrant:

---

| |
|:---|
| <br> New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act registration statement or amendment thereto within 3 years preceding this filing) |
| <br> Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 ("Exchange Act")) |
| <br> If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act |
| <br> Insurance Company relying on Rule 12h-7 under the Exchange Act |
| <br>Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act) |

---

------

#### CENTURY II FREEDOM VARIABLE ANNUITY PROSPECTUS

#### INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT

#### KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT OF

#### KANSAS CITY LIFE INSURANCE COMPANY

---

| | |
|:---|:---|
| **Street Address:** | **Send correspondence to:** |
| **3520 Broadway** | **Variable Administration** |
| **Kansas City, Missouri 64111-2565** | **P.O. Box 219364** |
| **Telephone (816) 753-7000** | **Kansas City, Missouri 64121-9364** |
|  | **Telephone (800) 616-3670** |

---

This Prospectus describes the Century II Freedom Variable Annuity Contract (the "Contract"), an individual flexible premium deferred variable annuity contract offered by Kansas City Life Insurance Company ("Kansas City Life" or the "Company"). We have provided a definitions section at the beginning of this Prospectus for your reference as you read.

The Contract is designed to meet investors' long-term investment needs. The Contract also provides you the opportunity to allocate your premiums to one or more divisions ("Subaccounts") of the Kansas City Life Variable Annuity Separate Account ("Variable Account") or the Fixed Account. The assets of each Subaccount are invested in a corresponding portfolio ("Portfolio") of a designated mutual fund ("Fund").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The prospectuses for the Funds describe these Portfolios. The value of amounts allocated to the Variable Account will vary according to the investment performance of the Portfolios in which they are invested. You bear the entire investment risk of amounts allocated to the Variable Account. Another investment option available for allocation of premiums is our Fixed Account. The Fixed Account is part of Kansas City Life's general account. It pays interest at declared rates guaranteed to equal or exceed the guaranteed interest rate. The minimum guaranteed interest rate is 1% for the Fixed Account. (See "[GUARANTEED AND CURRENT INTEREST RATES](#GUARCURRENTINT)"). Information about each investment option is set forth in Appendix A – Investment Options Available Under the Contract in this prospectus. The prospectuses for the Funds describe the Portfolios in more detail.

The Contract is a complex investment that involves risks, including loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Amounts withdrawn from the Contract may be subject to taxes and tax penalties. Withdrawals may also have an impact on guarantees under the FivePlus<sup>SM</sup> Guaranteed Withdrawal Benefit, if elected. Guarantees under the Contract are subject to the Company's financial strength and claims paying ability.

The Securities and Exchange Commission maintains a website that contains the Statement of Additional Information, material incorporated by reference, and other information regarding registrants that file electronically with the Securities and Exchange Commission. The address of the site is <u>http://www.sec.gov</u>.

If you already have a variable annuity contract, you should consider whether purchasing another contract, as a replacement for an existing contract is advisable.

#### Additional information about certain investment products, including variable annuities, have been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov .
**If you are a new investor in the Contract, you may cancel your Contract within 10 days of receiving it without paying fees or penalties. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total contract value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.**

**The Securities and Exchange Commission has not approved or disapproved these securities or passed upon the accuracy or adequacy of this Prospectus. Any representation to the contrary is a criminal offense.**

**The Subaccounts and the Fixed Account are not deposits or obligations of, or guaranteed or endorsed by, any bank, nor are federally insured by the Federal Deposit Insurance Corporation or any other government agency. An investment in the Contract involves certain risks including the loss of premium payments (principal).**

#### The date of this Prospectus is May 1, 2026.

------

#### PROSPECTUS CONTENTS

**---

| | |
|:---|:---|
| [**GLOSSARY**](#GLOSSARY) | 1 |
| [OVERVIEW OF THE CONTRACT](#OVERVIEWOFCONTRACT) | 3 |
| [PURPOSE](#PURPOSE) | 3 |
| [PHASES OF THE CONTRACT](#PHASESOFCONTRACT) | 3 |
| [CONTRACT FEATURES](#CONTRACTFEATURES) | 3 |
| [**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT**](#IMPORTANTINFORMATION) | 5 |
| [**FEE TABLE**](#FEETABLE) | 8 |
| [TRANSACTION EXPENSES](#TRANSACTIONEXPENSE) | 8 |
| [ANNUAL CONTRACT EXPENSES](#ANNCONEXPENSE) | 8 |
| [ANNUAL PORTFOLIO OPERATING EXPENSES](#ANNUALPORTFOLIOOPERATINGE) | 9 |
| [EXAMPLE OF CHARGES](#EXAMPLEOFCHARGES) | 9 |
| [PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#PRINCIPALRISKSOFINVESTING) | 10 |
| [KANSAS CITY LIFE, THE VARIABLE ACCOUNT AND THE FUNDS](#KANSASCITYLIFETHEVARIABLE) | 11 |
| [KANSAS CITY LIFE INSURANCE COMPANY](#KANSASCITYLIFEINSURANCECO) | 11 |
| [KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT](#KANSASCITYLIFEVARIABLEANN) | 11 |
| [THE FUNDS](#THEFUNDS) | 12 |
| [RESOLVING MATERIAL CONFLICTS](#RESOLVINGMATERIALCONFLICT) | 13 |
| [ADDITION, DELETION OR SUBSTITUTION OF INVESTMENTS](#ADDITIONDELETIONORSUBSTIT) | 13 |
| [FINANCIAL CONDITION OF KANSAS CITY LIFE](#FINANCIALCONDITIONOFKANSA) | 14 |
| [VOTING RIGHTS](#VOTINGRIGHTS) | 14 |
| [CHARGES AND DEDUCTIONS](#CHARGESANDDEDUCTIONS) | 14 |
| [SURRENDER CHARGE](#SURRENDERCHARGE) | 14 |
| [TRANSFER PROCESSING FEE](#TRANSFERPROCESSINGFEE) | 14 |
| [ADMINISTRATIVE CHARGES](#ADMINISTRATIVECHARGES) | 14 |
| [BASE CONTRACT CHARGES](#BASECONTRACTCHARGES) | 14 |
| [GUARANTEED MINIMUM WITHDRAWAL BENEFIT CHARGE](#GUARANTEEDMINIMUMWITHDRAW) | 15 |
| [PREMIUM TAXES](#PREMIUMTAXES) | 15 |
| [REDUCED CHARGES FOR ELIGIBLE GROUPS](#REDUCEDCHARGESFORELIGIBLE) | 15 |
| [OTHER TAXES](#OTHERTAXES) | 15 |
| [LOAN INTEREST CHARGE](#LOANINTERESTCHARGE) | 15 |
| [INVESTMENT ADVISORY FEES AND OTHER EXPENSES OF THE FUNDS](#INVESTMENTADVISORYFEESAND) | 16 |
| [**DESCRIPTION OF THE CONTRACT**](#DESCRIPTIONOFTHECONTRACT) | 16 |
| [PURCHASING A CONTRACT](#PURCHASINGACONTRACT) | 16 |
| [REPLACEMENT OF CONTRACTS](#REPLACEMENTOFCONTRACTS) | 17 |
| [FREE-LOOK PERIOD](#FREE-LOOKPERIOD) | 17 |
| [ALLOCATION OF PREMIUMS](#ALLOCATIONOFPREMIUMS) | 17 |
| [DETERMINATION OF CONTRACT VALUE](#DETERMINATIONOFCONTRACTVA) | 18 |
| [VARIABLE ACCOUNT VALUE](#VARIABLEACCOUNTVALUE) | 18 |
| [TRANSFER PRIVILEGE](#TRANSFERPRIVILEGE) | 19 |
| [DOLLAR COST AVERAGING PLAN](#DOLLARCOSTAVERAGINGPLAN) | 21 |
| [PORTFOLIO REBALANCING PLAN](#PORTFOLIOREBALANCINGPLAN) | 21 |
| [PARTIAL AND FULL CASH SURRENDERS](#PARTIALANDFULLCASHSURREND) | 22 |
| [CONTRACT TERMINATION](#CONTRACTTERMINATION) | 23 |
| [CONTRACT LOANS](#CONTRACTLOANS) | 23 |
| [DEATH BENEFIT BEFORE MATURITY DATE](#DEATHBENEFITBEFOREMATURIT) | 24 |
| [PROCEEDS ON MATURITY DATE](#PROCEEDSONMATURITYDATE) | 26 |
| [PAYMENTS](#PAYMENTS) | 26 |
| [UNCLAIMED PROPERTY LAWS](#UNCLAIMEDPROPERTYLAWS) | 27 |
| [MODIFICATIONS](#MODIFICATIONS) | 27 |
| [REPORTS TO CONTRACT OWNER](#REPORTSTOCONTRACTOWNER) | 27 |
| [TELEPHONE, FACSIMILE, ELECTRONIC MAIL, AND INTERNET AUTHORIZATIONS](#TELEPHONEFACSIMILEELECTRO) | 28 |

---

**

------

**---

| | |
|:---|:---|
| [BENEFITS AVAILABLE UNDER THE CONTRACT](#BENEFITSAVAILABLEUNDERTHE) | 28 |
| [OPTIONAL RIDER](#OPTIONALRIDER) | 29 |
| [FIVE PLUSSM GUARANTEED MINIMUM WITHDRAWAL BENEFIT](#FIVEPLUSSMGUARANTEEDMINIM) | 29 |
| [**THE FIXED ACCOUNT**](#THEFIXEDACCOUNT) | 40 |
| [GUARANTEED AND CURRENT INTEREST RATES](#GUARCURRENTINT) | 40 |
| [CALCULATION OF FIXED ACCOUNT VALUE](#CALCULATIONOFFIXEDACCOUNT) | 41 |
| [TRANSFERS FROM FIXED ACCOUNT](#TRANSFIXACC) | 41 |
| [DELAY OF PAYMENT](#DELAYOFPAY) | 41 |
| [PAYMENT OPTIONS](#PAYMENTOPT) | 41 |
| [ELECTION OF OPTIONS](#ELECTIONOFOPTIONS) | 42 |
| [DESCRIPTION OF OPTIONS](#DESCOPTIONS) | 42 |
| [**FEDERAL TAX STATUS**](#FEDERALTAXSTATUS) | 42 |
| [INTRODUCTION](#INTRODUCTION) | 42 |
| [TAXATION OF NON-QUALIFIED CONTRACTS](#TAXATIONOFNON-QUALIFIEDCO) | 42 |
| [TAXATION OF QUALIFIED CONTRACTS](#TAXATIONOFQUALIFIEDCONTRA) | 44 |
| [FEDERAL ESTATE TAXES, GIFT AND GENERATION-SKIPPING TRANSFER TAXES](#FEDERALESTATETAXESGIFTAND) | 45 |
| [ANNUITY PURCHASES BY NONRESIDENT ALIENS AND FOREIGN CORPORATIONS](#ANNUITYPURCHASESBYNONRESI) | 46 |
| [ANNUITY PURCHASES BY RESIDENTS OF PUERTO RICO](#ANNUITYPURCHASESBYRESIDEN) | 46 |
| [POSSIBLE TAX LAW CHANGES](#POSSIBLETAXLAWCHANGES) | 46 |
| [FOREIGN TAX CREDITS](#FOREIGNTAXCREDITS) | 46 |
| [SALE OF THE CONTRACTS](#SALEOFTHECONTRACTS) | 46 |
| [LEGAL PROCEEDINGS](#LEGALPROCEEDINGS) | 47 |
| [COMPANY HOLIDAYS](#COMPANYHOLIDAYS) | 47 |
| [CHANGE OF ADDRESS NOTIFICATION](#CHANGEOFADDRESSNOTIFICATI) | 47 |
| [FINANCIAL STATEMENTS](#FINANCIALSTATEMENTS) | 47 |
| [APPENDIX A – INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#APPENDIXAPORTFOLIOCOMPANI) | 48 |
| [APPENDIX B – GMWB RIDER EXAMPLES](#APPENDIXBGMWBRIDEREXAMPLE) | 59 |

---

**

------

#### GLOSSARY
Many terms used within this Prospectus are described within the text where they appear. The descriptions of those terms are not repeated in this section.

---

| | |
|:---|:---|
| Annuitant | The person on whose life the Contract's annuity benefit is based. |
| Beneficiary | The person you designate to receive any Proceeds payable under the Contract at your death or the death of the Annuitant. |
| Contract Anniversary | The same day and month as the Contract Date each year that the Contract remains in force. |
| Cash Surrender Value | This equals the Contract Value at the time of surrender less any applicable loan balance and premium taxes payable. There are no surrender charges associated with this Contract. |
| Contract Date | The date from which Contract months, Contract Years, and Contract Anniversaries are measured. |
| Contract Value | The sum of the Variable Account Value and the Fixed Account Value. |
| Contract Year | Any period of twelve months starting with the Contract Date or any Contract Anniversary. |
| Fixed Account | An account that is one option we offer for allocation of your premiums. It is part of our general account and is not part of, or dependent on, the investment performance of the Variable Account. |
| Fixed Account Value | Measure of value accumulating in the Fixed Account. |
| Guaranteed Minimum Death Benefit | This Contract provides for a Guaranteed Minimum Death Benefit. This benefit is paid at the death of the Annuitant. |
| Home Office | When the term "Home Office" is used in this Prospectus in connection with transactions under the Contract, it means our Variable Administration office. Transaction requests and other types of Written Notices should be sent to P.O. Box 219364, Kansas City, Missouri 64121-9364. The telephone number at our Variable Administration office is 800-616-3670. |
| Issue Age | The Annuitant's age on his/her last birthday as of the Contract Date. |
| Life Payment Option | A payment option based upon the life of the Annuitant. |
| Maturity Date | The date when the Contract terminates and we either pay the Proceeds under a payment option or pay you the Cash Surrender Value in a lump sum. The latest Maturity Date is the later of the Contract Anniversary following the Annuitant's 85th birthday and the tenth Contract Anniversary. Certain states and Qualified Contracts may place additional restrictions on the maximum Maturity Date. |
| Monthly Anniversary Day | The same day of each month as the Contract Date, or the last day of the month for those months not having such a day. |
| Non-Life Payment Option | A payment option that is not based upon the life of the Annuitant. |
| Non-Qualified Contract | A Contract that is not a Qualified Contract. |
| Owner | The person entitled to exercise all rights and privileges provided in the Contract. The terms "you" and "your" refer to the Owner. |

---

------

---

| | |
|:---|:---|
| Premium Year | Refers to the 12-month period following the date a particular premium is credited to your Contract. |
| Proceeds | The total amount we are obligated to pay under the terms of the Contract. |
| Qualified Contract | A Contract issued in connection with plans that qualify for special federal income tax treatment under sections 401, 403, 408 or 408A of the Internal Revenue Code of 1986, as amended (the "Code"). |
| Redetermination Dates | The first Contract Anniversary and each subsequent Contract Anniversary, upon which the guaranteed interest rate for the Fixed Account will be redetermined. Redetermination Dates only apply to Contracts issued on or after May 31, 2011, if approved in your state. |
| Subaccount | The divisions of the Variable Account. The assets of each Subaccount are invested in a Portfolio of a designated Fund. |
| Valuation Day | Each day the New York Stock Exchange is open for business. Currently, the New York Stock Exchange is closed on the following holidays: New Year's Day, Martin Luther King, Jr. Day, President's Day, Good Friday, Memorial Day, Juneteenth National Independence Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. The New York Stock Exchange and Kansas City Life recognize holidays that fall on a Saturday on the previous Friday. Kansas City Life will recognize holidays that fall on a Sunday on the following Monday. |
| Valuation Period | The interval of time beginning at the close of normal trading on the New York Stock Exchange on one Valuation Day and ending at the close of normal trading on the New York Stock Exchange on the next Valuation Day. Currently, the close of normal trading is 3:00 p.m. Central Time. The term "Valuation Period" is used in this Prospectus to specify, among other things, when a transaction order or request is deemed to be received by us at our Variable Administration office. |
| Variable Account Value | The Variable Account Value is equal to the sum of all Subaccount values of a Contract. |
| We, Our, Us, Kansas City Life, the Company | Kansas City Life Insurance Company |
| Written Notice/Written Request | A Written Notice or Written Request in a form satisfactory to us that is signed by the Owner and received at the Home Office. Under certain circumstances as described in this Prospectus, Written Notice/Written Request may be satisfied by telephone, facsimile, electronic mail, and Internet. |

---

------

#### OVERVIEW OF THE CONTRACT

#### PURPOSE
The Contract is designed for investors seeking long-term tax-deferred accumulation of funds. The goal for this accumulation is generally retirement, but may be for other long-term investment purposes. We offer the Contract as both a Qualified Contract and a Non-Qualified Contract. (See "[FEDERAL TAX STATUS](#FEDERALTAXSTATUS)")

#### PHASES OF THE CONTRACT
Your Contract has two phases.

**Phase 1: Accumulation and Investment Phase:** During the first phase, you will have the opportunity to allocate premiums to the Subaccounts and the Fixed Account. The Fixed Account has a minimum guaranteed interest rate of 1%. The assets of each Subaccount are invested in a corresponding Portfolio. **More information about each of these investment options is provided in the Appendix A - Investment Options Available Under the Contract, which is located at the back of this prospectus.**

**Phase 2: Payout of Proceeds Phase.** The Contract offers a variety of ways, in addition to a lump sum, for you to receive Proceeds payable under the Contract. During this phase, you will have the option to annuitize (receive a stream of income payments). If you annuitize, you will be unable to make withdrawals, and death benefits and living benefits will terminate.

#### CONTRACT FEATURES
**Death Benefit.** A death benefit will be paid at the death of either the Annuitant or an Owner of the Contract. Once a death benefit has been paid, the Contract is terminated. If you are also the Annuitant, the death benefit Proceeds payable will be those payable on the death of the Annuitant. However, if the Contract is issued with an Owner and an Annuitant who are not the same individual, the benefit will be paid at the first death.

**FIVE Plus**<sup>SM</sup> **Guaranteed Minimum Withdrawal Benefit.** If you are concerned that poor investment performance or market volatility in the Subaccounts may adversely impact the amount of money you can withdraw from the Contract, we offer for an additional charge an optional GMWB rider. The GMWB provides alternative guarantees - which guarantee you receive depends on the amount of the withdrawals you take and the age of the Covered Person. First, the GMWB guarantees the return of all of the amounts you have invested in the Contract, as long as you limit your withdrawals each Contract Year to

------

the Guaranteed Withdrawal Amount (this guarantee is available both before and after the Lifetime Income Date). Second, on and after the Lifetime Income Date, as long as you limit your annual withdrawals to the Lifetime Income Amount, the GMWB guarantees you annual payments of that amount for the rest of the Covered Person's life, no matter how long the Covered Person lives, even after you have recovered your investments in the Contract and even if your Contract Value reduces to zero. However, the maximum amount you may be able to withdraw as a Lifetime Income Amount may be less than if you continued to take withdrawals as a Guaranteed Withdrawal Amount. The GMWB has a maximum fee of 1.20%.

**Dollar Cost Averaging Plan.** If you elect this plan, it enables you to automatically transfer amounts from the Federated Hermes Government Money Fund II Subaccount to other Subaccounts. The goal of the Dollar Cost Averaging Plan is to make you less susceptible to market fluctuations by allocating on a regularly scheduled basis instead of allocating the total amount all at one time. We do not guarantee that the Dollar Cost Averaging Plan will result in a gain or prevent a loss.

**Portfolio Rebalancing Plan.** The Portfolio Rebalancing Plan is an optional feature available with the Contract. Under this plan we will redistribute the accumulated balance of each Subaccount to equal a specified percentage of the Variable Account Value. The purpose of the Fund Portfolio Company Rebalancing Plan is to automatically diversify your portfolio mix. The plan automatically adjusts your portfolio mix to be consistent with your current premium allocation instructions.

**Partial and Full Cash Surrenders.** You may request a partial or full surrender of the Contract at any time before the Annuitant's death and before the Maturity Date (although if you withdraw early, you may have to pay income taxes, including a tax penalty if you are younger than age 59 ½). You can also participate in the Systematic Partial Surrender Plan. The Systematic Partial Surrender Plan enables you to authorize an automatic regular payment of a partial surrender amount.

**Contract Loans.** If your Contract is a section 403(b) TSA Qualified Contract, you may have the option of taking a Contract loan at any time after the first Contract Year if permitted by your employer's section 403(b) plan.

**Tax Treatment.** You can transfer money between investment options without tax implications, and earnings (if any) on your investments are generally tax-deferred. You are taxed only when: (1) you make a withdrawal; (2) you receive an income payment from the Contract; or (3) upon payment of a death benefit.

------

#### IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT
**FEES, EXPENSES, AND ADJUSTMENTS**<br>

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| | |
|:---|:---|
| ***ARE THERE CHARGES OR ADJUSTMENTS FOR EARLY WITHDRAWALS?***<br>| **No.** This product does not have a surrender charge. Withdrawals, however, may be subject to taxes or tax penalties.  |

---

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| | |
|:---|:---|
| ***ARE THERE TRANSACTION CHARGES?*** | **Yes.** You may be charged for certain transactions (such as when you complete more than six transfers during a Contract Year).<br> *Reference [Fee Table](#FEETABLE) and [Charges and Deductions - Transfer Processing Fee](#TRANSFERPROCESSINGFEE).* |

---

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| | |
|:---|:---|
| ***ARE THERE ONGOING FEES AND EXPENSES?*** | <br> **Yes.** The table below describes the fees and expenses that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. |
| | **Annual Fee** |
|  | Base Contract<br>1.66%<sup>1</sup> |
|  | <br> Portfolio Company fees and expenses<br>0.27%<sup>2</sup> 1.37%<sup>2</sup> |
|  | Optional benefits available for an additional charge (for a single optional benefit, if elected)<br>0.95%<sup>3</sup> |

---

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| | |
|:---|:---|
| <br> Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender charges that substantially increase costs**. | <br> Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender charges that substantially increase costs**. |
| **Lowest Annual Cost:**<br> **$2,245** | **Highest Annual Cost:**<br> **$4,368** |
| Assumes:<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Least expensive Portfolio Company fees and expenses<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No optional benefits<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers, or withdrawals | Assumes:<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of optional benefits, and Portfolio Company fees and expenses<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers, or withdrawals |
| *Reference [Fee Table](#FEETABLE), [Charges and Deductions](#CHARGESANDDEDUCTIONS), and [Appendix A - Investment Options Available Under the Contract](#APPENDIXAPORTFOLIOCOMPANI)* | *Reference [Fee Table](#FEETABLE), [Charges and Deductions](#CHARGESANDDEDUCTIONS), and [Appendix A - Investment Options Available Under the Contract](#APPENDIXAPORTFOLIOCOMPANI)* |

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<sup>1</sup> As a percentage of average annual Variable Account Value during the accumulation period.

<sup>2</sup> As a percentage of Portfolio assets.

<sup>3</sup> As a percentage of the Guaranteed Withdrawal Balance.

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| | |
|:---|:---|
| **RISKS** | **RISKS** |
| ***IS THERE A RISK OF LOSS FROM POOR PERFORMANCE?*** | **Yes.** You can lose money by investing in this Contract, including loss of principal.<br>*Reference [Principal Risks of Investing in the Contract](#PRINCIPALRISKSOFINVESTING).* |
| ***IS THIS A SHORT-TERM INVESTMENT?*** | **No.** This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash.<br> Withdrawals may be subject to taxes and tax penalties. In addition, the tax deferral is more beneficial to investors with a long-time horizon.<br> *Reference [Principal Risks of Investing in the Contract](#PRINCIPALRISKSOFINVESTING) and [Federal Tax Status](#FEDERALTAXSTATUS).* |
| ***WHAT ARE THE RISKS ASSOCIATED WITH THE INVESTMENT OPTIONS?*** | Investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of each Subaccount. The Subaccounts and the Fixed Account each have their own unique risks. You should review all investment options before making an investment decision.<br>*Reference [Principal Risks of Investing in the Contract](#PRINCIPALRISKSOFINVESTING), [The Fixed Account](#THEFIXEDACCOUNT), and [Appendix A - Investment Options Available Under the Contract](#APPENDIXAPORTFOLIOCOMPANI).* |
| ***WHAT ARE THE RISKS RELATED TO THE INSURANCE COMPANY?*** | Investment in the Contract is subject to the risks related to Kansas City Life. Any obligations, guarantees, and benefits of the Contract, including the Fixed Account investment option, are subject to the claims-paying ability of Kansas City Life. If Kansas City Life experiences financial distress, it may not be able to meet its obligations to you. More information about the financial condition of Kansas City Life, including its financial strength rating, is available upon request by contacting the Home Office.<br>*Reference [Kansas City Life, The Variable Account and The Funds - Financial Condition of Kansas City Life](#FINANCIALCONDITIONOFKANSA).* |

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| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| ***ARE THERE RESTRICTIONS ON THE INVESTMENT OPTIONS?*** | Yes. The amount allocated to the Fixed Account may not exceed 15% of the total Contract Value. If a transfer to the Fixed Account causes the value to exceed 15% of total Contract Value, we may transfer the excess to the Federated Hermes Government Money Fund II Subaccount. The first six transfers during each Contract Year are free. We will assess a transfer processing fee of $25 for each additional transfer during such Contract Year. <br>We reserve the right to remove or substitute Portfolio Companies as investment options. We also reserve the right to limit the number and amount of additional premium payments you may make and to suspend or modify the transfer privilege, where permitted under applicable law.<br>If you elect the GMWB rider, you may not invest in the Fixed Account, the Portfolio Companies in which you may invest will be limited, and we may change the Portfolio Companies that are eligible for investment in the future.<br> Not all Portfolio Companies may be available in all states.<br> *Reference [The Fixed Account](#THEFIXEDACCOUNT), [Charges and Deductions - Transfer Processing Fee](#TRANSFERPROCESSINGFEE), [Kansas City Life, The Variable Account, and the Funds - The Funds](#THEFUNDS), [Optional Rider](#OPTIONALRIDER), and [Appendix A – Investment Options Available under the Contract](#APPENDIXAPORTFOLIOCOMPANI).* |
| ***ARE THERE ANY RESTRICTIONS ON CONTRACT BENEFITS?*** | **Yes.** The Contract offers a number of benefits. Certain benefits, such as the GMWB, are subject to additional charges. Benefits may not be available for all Issue Ages nor added after issue. Optional riders may not be available in all states. The GMWB limits the Portfolio Companies in which you may invest under the Contract, and we may change the Portfolio Companies that are eligible for investment in the future. If you take withdrawals that exceed limits specified by the GMWB rider in a Contract Year, the value of the GMWB may be reduced by more than the amount of the withdrawal or the rider may terminate. If you take withdrawals from your Contract Value, the amount payable under the GMDB may be reduced by more than the amount of the withdrawal. We may stop offering the GMWB at any time. Certain 403(b) contracts may impose restrictions on distributions.<br> *Reference [Principal Risks of Investing in the Contract](#PRINCIPALRISKSOFINVESTING), [Benefits Available Under the Contract](#BENEFITSAVAILABLEUNDERTHE), [Optional Rider](#OPTIONALRIDER), [Description of the Contract - Death Benefit Before Maturity Date](#DEATHBENEFITBEFOREMATURIT), [Description of the Contract – Contract Loans](#CONTRACTLOANS), and [Appendix A – Investment Options Available Under the Contract](#APPENDIXAPORTFOLIOCOMPANI).* |

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| | |
|:---|:---|
| **TAXES** | **TAXES** |
| ***WHAT ARE THE CONTRACT'S TAX IMPLICATIONS?*** | Earnings on your contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½. The tax advantages provided by a variable annuity are already available with tax-qualified plans, including IRAs and Roth IRAs. You should purchase the Contract within a tax-qualified plan only for reasons other than tax deferral. We encourage you to consult your own tax adviser before making a purchase of the Contract.<br>*Reference [Federal Tax Status](#FEDERALTAXSTATUS).* |
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| ***HOW ARE INVESTMENT PROFESSIONALS COMPENSATED?*** | Commissions are paid to broker-dealers for the sale of Contracts. In addition, we may pay an asset-based commission or other amounts in certain circumstances. All or some of the payments received from Funds under distribution plans pursuant to Rule 12b-1 may be passed on to selling firms. This conflict of interest may influence your investment professional to recommend this Contract over another investment.<br>*Reference [Sale of the Contracts](#SALEOFTHECONTRACTS).* |
| ***SHOULD I EXCHANGE MY CONTRACT?*** | Some broker-dealers may have a financial incentive to offer a new contract in place of your existing insurance. You should replace (exchange) your existing contract only if you determine that the new contract is better for you than continuing to own your existing contract after comparing the features, fees, and risks of both contracts and considering any fees or penalties to terminate the existing contract.<br>*Reference [Description of the Contract - Replacement of Contracts](#REPLACEMENTOFCONTRACTS).* |

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#### FEE TABLE
**The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.**

**The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract value between investment options. State premium taxes may also be deducted.**

#### TRANSACTION EXPENSES

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| | |
|:---|:---|
| Sales Load on Premium Payments |  |
| Maximum Surrender Charge |  |
| Transfer Processing Fee | After the first 6 transfers in a Contract Year, we will charge $25 for each additional transfer during that Contract Year. There is no fee for the first 6 transfers during a Contract Year. |

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**The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Portfolio Company fees and expenses).**

#### If you choose to purchase an optional benefit, you will pay additional charges, as shown below.

#### ANNUAL CONTRACT EXPENSES

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| | |
|:---|:---|
| | **<u>Maximum Charges</u>** |
| Administration Fee |  |
| ***Variable Account Annual Expenses (as a % of average annual Variable Account Value during the accumulation period)*** |  |
| Base Contract Expenses | 1.66%<sup>4</sup> |
| ***Optional Rider Charges*** |  |
| FIVE Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit (as a percentage of the Guaranteed Withdrawal Balance) | 1.20%<sup>5</sup> (0.10% monthly) |
| Net Loan Interest Charge (as a percentage of amounts held in the loan account) | 5.00%<sup>6</sup> |

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<sup>4</sup> The Base Contract Expenses include a Mortality and Expense Risk Charge of 1.40% and an Asset Based Administrative Charge of 0.25%.

<sup>5</sup> The current annual charge for the FIVE Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit is 0.95% multiplied by the Guaranteed Withdrawal Balance (assessed monthly; the monthly rate is 0.079%). However, if you elected the FIVE Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit before January 1, 2009 and your GWB has not stepped-up since January 1, 2009, your current annual charge is 0.60% multiplied by the Guaranteed Withdrawal Balance (assessed monthly; the monthly rate is 0.05%).

<sup>6</sup> The maximum guaranteed net cost of loans (available under section 403(b) TSA Qualified Contracts) is 5% annually. The maximum guaranteed net cost of a loan is the difference between the maximum loan interest charged (8%) and the minimum amount credited to the loan account (3%).

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**The next item shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the Contract. A complete list of Portfolio Companies available under the Contract, including their annual expenses, may be found at the back of this document. Future expenses may be higher or lower.** 

#### ANNUAL PORTFOLIO OPERATING EXPENSES<sup>7</sup>

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| | | |
|:---|:---|:---|
| | **<u>Minimum</u>** | **<u>Maximum</u>** |
| **Range of Portfolio Operating Expenses** (expenses that are deducted from Portfolio assets, including management fees, distribution or service fees (12b-1 fees), and other expenses-before any contractual waiver of fees and expenses) | 0.27% | 1.37% |

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**

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<sup>7</sup> The portfolio expenses used to prepare this table were provided to Kansas City Life by the Fund(s) or their investment advisers. The expenses shown are those incurred for the year ended December 31, 2025. Current or future expenses may be greater or less than those shown. If required by applicable law, Kansas City Life may deduct any redemption fees imposed by the Funds.** 

#### EXAMPLE OF CHARGES
**This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options. The example shows the maximum costs of investing in the Contract, including Owner transaction expenses, an annual Guaranteed Minimum Withdrawal Benefit ("GMWB") charge of 1.20% multiplied by the Guaranteed Withdrawal Balance, Variable Account charges, and highest annual portfolio operating expenses for the year ended December 31, 2025.**

**The example assumes all Contract Value is allocated to the Subaccounts. Your costs could differ from those shown below if you invest in the Fixed Account.**

**The example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:**

If the Contract is surrendered, annuitized or not surrendered at the end of the applicable period:

#### Maximum Portfolio Expenses with GMWB

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| | | | |
|:---|:---|:---|:---|
| 1 year | 3 years | 5 years | 10 years |
| $4242 | $12808 | $21487 | $43682 |

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The example does not reflect transfer fees or premium taxes (which may range up to 3.5%, depending on the jurisdiction).

**Please remember that the example is an illustration and does not represent past or future expenses. Your actual expenses may be higher or lower than those shown. Similarly, your rate of return may be more or less than the 5% assumed in the example.**

**You should not consider the assumed expenses in the example to represent past or future expenses. Actual expenses may be greater or less than those shown. The assumed 5% annual rate of return is hypothetical and you should not view it as a representation of past or future annual returns. Actual returns may be greater or less than the assumed amount.**

**The various Funds themselves or their investment advisers provided the expense information regarding the Portfolios. The Funds and their investment advisers are not affiliated with us. While we have no reason to doubt the accuracy of these figures provided by these non-affiliated Funds, we have not independently verified the figures.**

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#### PRINCIPAL RISKS OF INVESTING IN THE CONTRACT
***Not a Short-Term Investment.*** The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals may be subject to taxes and tax penalties. Furthermore, certain 403(b) contracts may be subject to restrictions on distributions.

***Investment Risk.*** If you invest your Contract Value in one or more Subaccounts, then you will be subject to the risk that investment performance will be unfavorable and that the Contract Value will decrease. There is no minimum guaranteed Contract Value. The Contract Value may decrease if the investment performance of the Subaccounts (to which Contract Value is allocated) is negative or is not sufficiently positive to cover the charges deducted under the Contract. During times of poor investment performance, these deductions will have an even greater impact on your Contract Value. You could lose everything you invest. If you allocate net Premiums to the Fixed Account, then we credit your Fixed Account Value with a declared rate of interest. You assume the risk that the rate may decrease, although it will never be lower than a minimum guaranteed interest rate

***Insurance Company Risks.*** Any obligations, guarantees and benefits of the Contract, including the Fixed Account Investment Option, are subject to the financial strength and claims paying ability of Kansas City Life Insurance Company. If the Company experiences financial distress, it may not be able to meet its obligations to you. More information about the financial condition of the Company is available upon request by contacting the Home Office.

***Tax Risks.*** Under existing tax law there generally should be no federal income tax on increases in the Contract Value until a distribution under the Contract occurs. A distribution includes an actual distribution of funds such as a surrender or annuity payment. However, a distribution also includes a pledge or assignment of a Contract. Generally, all or part of any distribution is taxable as ordinary income. In addition, a penalty tax may apply to certain distributions made prior to the Owner reaching age 59½. Special tax rules apply to Qualified Contracts, and distributions from Qualified Contracts may be subject to restrictions. Governing federal tax statutes may be amended, revoked, or replaced by new legislation. Changes in interpretation of these statutes may also occur. We encourage you to consult your own tax adviser before making a purchase of the Contract. (See "[FEDERAL TAX STATUS](#FEDERALTAXSTATUS)")

You should consult a qualified tax adviser for assistance in all Contract-related tax matters.

***Full and Partial Surrender***. You may surrender all or part of the Cash Surrender Value (subject to certain limitations) any time before the earlier of:

• the date that the Annuitant dies; or

• the Maturity Date.

Certain partial surrenders, depending on the amount and timing, may negatively impact the benefits and guarantees provided by your Contract. You should carefully consider whether a withdrawal under a particular circumstance will have any negative impact to your benefits or guarantees. The impact of partial surrenders on your benefits and guarantees is discussed in the corresponding sections of the Prospectus describing such benefits and guarantees.

***Restrictions on Distributions from Contracts Used to Fund 403(b) retirement plans.*** The Code restricts surrenders and partial surrenders from 403(b) annuity contracts of elective contributions made in years after December 31, 1988, of earning on such contributions and of earning in such years on amounts held as of the year beginning before January 1, 1989. Distributions of such amounts may occur only upon the death of the employee, attainment of age 59 ½, severance from employment, disability or financial hardship. Other exceptions may be applicable under certain circumstances.

***Loan Risks***. If your Contract is a section 403(b) TSA Qualified Contract, you may have the option of taking a Contract loan at any time after the first Contract Year if permitted by your employer's section 403(b) plan. A loan, whether or not repaid, will have a permanent effect on the death benefit and Contract Values because the investment results will apply only to the non-loaned portion of the Contract Value. Depending on the investment results of the Subaccounts or credited interest rates for the unloaned value in the Fixed Account while the loan is outstanding, the effect could be favorable or unfavorable.

A loan may have tax consequences. (See "[FEDERAL TAX STATUS](#FEDERALTAXSTATUS)") In addition, allowing your contract to terminate due to indebtedness could have adverse tax consequences. (See "[CONTRACT LOANS](#CONTRACTLOANS)")

***Risk of Changes to the Contract.*** You are subject to a risk that Kansas City Life may make certain changes to the Contract. The Company reserves the rights to make the following changes: (1) Where permitted, limit the number and amount of additional premium payments, (2) subject to applicable law, make additions to, deletion from or substitutions of the Portfolio Companies available for allocation, (3) where permitted, suspend or modify the transfer privilege, and (4) add, remove or substitute Designated Subaccounts available for investment under the GMWB rider.

***Risk of Frequent Transfers****.* We have policies and procedures that attempt to detect frequent, large, programmed, or short-term transfers among the Subaccounts that may adversely affect other Owners and persons with rights under the Contracts. We employ various means to try to detect such transfer activity, but the detection and deterrence of harmful trading activity involves judgments that are inherently subjective. Our ability to detect such transfer activity may be limited by operational and technological systems, as well as our ability to predict strategies employed by Owners to avoid such

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detection. Accordingly, there is no assurance that we will prevent all transfer activity that may adversely affect Owners and other persons with interests under the Contracts. In addition, we cannot guarantee that the Funds will not be harmed by transfer activity related to other insurance companies and/or retirement plans that may invest in the Funds.

***Risks Associated with Contract Benefits***. If you elect the Five Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit, you must allocate all premiums and Contract Value to the Designated Subaccounts on and after the Rider Effective Date. For certain Designated Subaccounts, risk and volatility mitigation is part of the Portfolio's investment strategy, which investment strategy could reduce your investment return. The value of the GMWB rider may be significantly reduced if you take annual withdrawals that are greater than the Guaranteed Withdrawal Amount of the Lifetime Income Amount (after the Lifetime Income Date). Such reduction in value may be more than the amount of the withdrawal and may cause the rider to terminate. Loans permitted by 403(b) contracts, whether or not repaid, will have a permanent effect on the death benefit and Contract Value. The longer the loan is outstanding, the greater the effect is likely to be. Loans (particularly if not repaid) make Contract termination more likely. Withdrawals may reduce the amount payable under the GMDB by more than the amount of the withdrawal.

***Cybersecurity and Business Continuity Risks.*** We rely heavily on interconnected computer systems and digital data to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential customer information. Such systems failures and cyberattacks affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us and your Contract Value. For instance, systems failures and cyberattacks may interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate accumulation unit values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the funds underlying your Contract to lose value. There can be no assurance that we or the underlying funds or our service providers will avoid losses affecting your Contract due to cyberattacks or information security breaches in the future. The risk of cyberattacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments, and the recent military conflict between the United States and Iran).

We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, fires, earthquakes, epidemics and terrorist acts, which could adversely affect our ability to administer the Contracts. Natural and man-made disasters may require a significant contingent of our employees to work from remote locations. During these periods, we could experience decreased productivity, and a significant number of our workforce or certain key personnel may be unable to fulfill their duties. In addition, system outages could impair our ability to operate effectively by preventing the workforce from working remotely and impair our ability to process Contract-related transactions or to calculate Contract values.

The Company outsources certain critical business functions to third parties and, in the event of a natural or man-made disaster, relies upon the successful implementation and execution of the business continuity planning of such entities. While the Company closely monitors the business continuity activities of these third parties, successful implementation and execution of their business continuity strategies are largely beyond the Company's control. If one or more of the third parties to whom the Company outsources such critical business functions experience operational failures, the Company's ability to administer the Contract could be impaired.

***Defined Outcome Funds Risk.*** Each Invesco V.I. S&P 500 Buffer Fund (the "Fund") seeks, over a specified annual period (called an "Outcome Period"), to provide returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap, while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund). To receive the full benefit of the 10% buffer protection, Contract Value should be allocated to the Fund prior to the beginning of the Outcome Period and remain allocated to the Fund until the end of the Outcome Period. If Contract Value is allocated after the commencement of the Outcome Period or withdrawn before the end of the Outcome Period, investment returns may vary significantly. You will bear all Index losses exceeding 10%.

The upside cap establishes the maximum percentage return that the Funds can achieve during the Outcome Period (prior to taking into account any fees and expenses of the Fund). During an Outcome Period when the Index is rising, this may limit the return on your investment in an Invesco V.I. S&P 500 Buffer Fund.

The specified outcomes of the Invesco V.I. S&P 500 Buffer Funds may not be achieved. Furthermore, the Invesco V.I. S&P 500 Buffer Funds are not guaranteed and, unlike guarantees, are not backed by Kansas City Life.

For additional risks associated with the Invesco V.I. S&P Buffer Funds see the prospectuses for the Funds.

#### KANSAS CITY LIFE, THE VARIABLE ACCOUNT AND THE FUNDS

#### KANSAS CITY LIFE INSURANCE COMPANY
Kansas City Life Insurance Company is located at 3520 Broadway, Kansas City, Missouri 64111-2565.

#### KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT
We established the Variable Account as a separate investment account under Missouri law on January 23, 1995. This Variable Account supports the Contracts and may be used to support other variable annuity insurance contracts and for other purposes as permitted by law. The Variable Account is registered with the Securities and Exchange Commission ("SEC") as a unit investment trust under the Investment Company Act of 1940 (the "1940 Act") and is a "separate account" within the meaning of the federal securities laws. We have established other separate investment accounts that may also be registered with the SEC.

The Variable Account is divided into Subaccounts. The Subaccounts available under the Contract invest in shares of corresponding Fund Portfolios. The Variable Account may include other Subaccounts not available under the Contracts and not otherwise discussed in this Prospectus. We own the assets in the Variable Account.

 **We apply income, gains and losses of a Subaccount (realized or unrealized) without regard to any other income, gains or losses of Kansas City Life or any other separate account. We cannot use Variable Account assets (reserves and other contract liabilities) to cover liabilities arising out of any other business we conduct. We are obligated to pay all benefits provided under the Contracts, subject to our financial strength and claims-paying ability.**

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#### THE FUNDS
Each of the Funds is registered with the SEC as an open-end management investment company under the Investment Company Act of 1940 (the "1940 Act"). However, the SEC does not supervise their management, investment practices or policies. Each Fund is a series fund-type mutual fund made up of the Portfolios and other series that are not available under the Contracts. The name, investment objectives, investment adviser, sub-investment adviser, current expenses and performance of each of the Portfolios are available in Appendix A - Investment Options Available Under the Contract, which is located at the end of this prospectus.

Contract Value allocated to the Variable Account will vary based on the investment experience of the Fund in which the relevant Subaccount invests. There is a risk of loss of the entire amount invested.

Certain Subaccounts invest in Portfolios that have similar investment objectives and/or policies. Therefore, before selecting a Subaccount, you should carefully read the prospectuses for the Funds along with this Prospectus.

Not all Funds may be available in all states.

See the current prospectus for each Fund that as well as the current Statement of Additional Information for each Fund. These important documents contain more detailed information regarding all aspects of the Funds and can be accessed online at https://www.kclife.com/prospectus/default.htm. You can receive a paper copy by submitting a request at the Home Office. Please read the prospectuses for the Funds carefully before making any decision concerning the allocation of premium payments or transfers among the Subaccounts.

We cannot guarantee that each Fund or Portfolio will always be available for the Contracts, but in the event that a Fund or Portfolio is not available, we will take reasonable steps to secure the availability of a comparable fund. Shares of each Portfolio are purchased and redeemed at net asset value, without a sales charge.

We select the Funds offered through this Contract based on several criteria, including asset class coverage, the strength of the adviser's or sub-adviser's reputation and tenure, brand recognition, performance, and the capability and qualification of each investment firm. Another factor we may consider during the selection process is whether the Fund, its adviser, its sub-adviser(s), or an affiliate will make payments to us or our affiliates. We review the Funds periodically and may remove a Fund or limit its availability to new premiums and/or transfers of Variable Account Value if we determine that the Fund no longer meets one or more of the selection criteria, and/or if the Fund has not attracted significant allocations from Owners.

**We do not provide any investment advice and do not recommend or endorse any particular Fund. You bear the risk of any decline in the Variable Account Value of your Contract resulting from the performance of the Funds you have chosen.**

We (or our affiliates) may receive payments from a Fund's investment adviser (or its affiliates). These payments may be used for any corporate purpose, including payment of expenses that Kansas City Life and/or its affiliates incur in promoting, marketing, and administering the Contracts and, in its role as an intermediary, the Funds. Kansas City Life and its affiliates may profit from these payments. These payments may be derived, in whole or in part, from the advisory fee deducted from Fund assets. Owners, through their indirect investment in the Funds, bear the costs of these advisory fees. (See the Funds' prospectuses for more information) This compensation is not reflected in fees and expenses listed in the fee table set forth in each Fund's prospectus. The amount of this compensation is generally based upon a percentage of the assets of the Fund attributable to the Contracts and other contracts we issue. These percentages differ and some advisers (or affiliates) may pay us (or our affiliates) more than others. Currently, these percentages range from 0.10% to 0.25%.

Additionally, an investment adviser or sub-adviser of a Fund or its affiliates may provide Kansas City Life with wholesaling services that assist in the distribution of the Contracts and may pay Kansas City Life and/or certain of our affiliates amounts to participate in sales meetings. These amounts may be significant and may provide the adviser or sub-adviser (or their affiliate) with increased access to persons involved in the distribution of the Contracts.

Certain Funds have adopted a Distribution Plan under Rule 12b-1 of the 1940 Act. The Distribution Plan is described in more detail in the underlying Fund's prospectus. (See "[FEE TABLE – ANNUAL PORTFOLIO OPERATING EXPENSES](#FEETABLE)" and "[SALE OF THE CONTRACTS](#SALEOFTHECONTRACTS)") The payments are deducted from assets of the Funds and are paid to our distributor, Sunset Financial Services, Inc. ("Sunset Financial"). These payments decrease the Fund's investment return.

We make certain payments to Sunset Financial, principal underwriter for the Contracts. (See "[SALE OF THE CONTRACTS](#SALEOFTHECONTRACTS)")

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Certain funds employ volatility management strategies. Volatility management strategies are designed to reduce the overall volatility and provide risk-adjusted returns over time. During rising markets, a volatility management strategy, however, could cause Contract Value to rise less than would have been the case had you been invested in a fund with substantially similar investment objectives, policies and strategies that does not utilize a volatility management strategy. Conversely, investing in a fund that features a volatility management strategy may be helpful in a declining market when high market volatility triggers a reduction in the fund's equity exposure, because during these periods of high volatility, the risk of losses from investing in equity securities may increase. In these instances, your Contract Value may decline less than would have been the case had you not been invested in a fund that features a volatility management strategy. The success of the volatility management strategy of a fund depends, in part, on the investment adviser's ability to effectively and efficiently implement its risk forecasts and to manage the strategy for the fund's benefit. In addition, the cost of implementing a volatility management strategy may negatively impact performance. There is no guarantee that a volatility management strategy can achieve or maintain the fund's optimal risk targets, and the fund may not perform as expected.

You should be aware that we are subject to a conflict of interest with respect to the interests of contract owners insofar as, by requiring you to allocate your purchase payments and Contract Value to one or more subaccounts that invests in a fund that employs a volatility management strategy, this may reduce the risk to us that we will have to make guaranteed payments under a living benefit rider. In addition, any negative impact to the performance of a fund due to a volatility management strategy may limit increases in your Contract Value, which may limit your ability to achieve step-ups of the benefit base under a living benefit rider. For more information about the funds and the investment strategies they employ, please refer to the funds' current prospectuses.

#### RESOLVING MATERIAL CONFLICTS
The Funds presently serve as the investment medium for the Contracts. In addition, the Funds are available to registered separate accounts of other insurance companies offering variable annuity and variable life insurance contracts.

We do not currently foresee any disadvantages to you resulting from the Funds selling shares to fund products other than the Contracts. However, there is a possibility that a material conflict of interest may arise between Contract Owners and the owners of variable contracts issued by other companies whose values are allocated to one of the Funds. Shares of some of the Funds may also be sold to certain qualified pension and retirement plans qualifying under section 401 of the Code. As a result, there is a possibility that a material conflict may arise between the interests of Owners or owners of other contracts (including contracts issued by other companies), and such retirement plans or participants in such retirement plans. In the event of a material conflict, we will take any necessary steps, including removing the Variable Account from that Fund, to resolve the matter. The Board of Directors of each Fund will monitor events in order to identify any material conflicts that may arise and determine what action, if any, should be taken in response to those events or conflicts. See the prospectuses of the Funds for more information.

#### ADDITION, DELETION OR SUBSTITUTION OF INVESTMENTS
Subject to applicable law, we may make additions to, deletions from, or substitutions of the shares that are held in the Variable Account or that the Variable Account may purchase. If the shares of a Portfolio are no longer available for investment or for any other reason in our sole discretion, we decide that further investment in any Portfolio should become inappropriate in view of the purposes of the Variable Account, we may redeem the shares, if any, of that Portfolio and substitute shares of another registered open-end management investment company. The substituted fund may have different fees and expenses. Substitutions may be made with respect to existing investments or the investment of future premiums or both. We will not substitute any shares attributable to a Contract's interest in a Subaccount of the Variable Account without notice and prior approval of the SEC and state insurance authorities, to the extent required by applicable law.

Subject to applicable law and any required SEC approval, we may establish new Subaccounts or eliminate one or more Subaccounts if marketing needs, tax considerations or investment conditions warrants or for any reason in our sole discretion. We will determine on what basis we might make any new Subaccounts available to existing Contract Owners. We may close Subaccounts to allocation of premiums or Contract Value, or both, at any time in our sole discretion.

If we make any of these substitutions or changes we may, by appropriate endorsement, change the Contract to reflect the substitution or change. If we decide it is in the best interests of Contract Owners (subject to any approvals that may be required under applicable law), we may take the following actions with regard to the Variable Account:

&nbsp;&nbsp;&nbsp;&nbsp;• operate the Variable Account as a management investment company under the 1940 Act;

&nbsp;&nbsp;&nbsp;&nbsp;• de-register it under that Act if registration is no longer required;

&nbsp;&nbsp;&nbsp;&nbsp;• combine it with other Kansas City Life separate accounts; or

&nbsp;&nbsp;&nbsp;&nbsp;• make any changes required by the 1940 Act.

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#### FINANCIAL CONDITION OF KANSAS CITY LIFE
Benefits payable under the Contract are paid out of your Contract Value allocated to the Variable Account or out of assets of Kansas City Life's general account. Any amounts allocated to the Fixed Account and interest payable thereon and any guarantees that exceed your Contract Value (such as the GMWB or GMDB) are paid from our general account assets and are subject to our financial strength and claims paying ability.

As an insurance company, we are required by state regulators to hold a specific amount of reserves to meet contractual obligations payable out of our general account. We monitor our reserves so that we hold sufficient amounts to cover actual or expected Contract and claims payments. State regulators also require Kansas City Life to maintain a minimum amount of capital, to act as a cushion in the event it suffers a financial impairment. But there is no guarantee we will always be able to meet our claims paying obligations, and there are risks associated with purchasing any insurance product.

***We encourage both existing and prospective Owners to read and understand our financial statements.*** Our financial statements. which are prepared in accordance with accounting principles generally accepted in the United States (GAAP), are incorporated into the Statement of Additional Information by reference to the Variable Account's Form [N-VPFS](https://www.sec.gov/Archives/edgar/data/940338/000094033826000012/vanvpfs-2026.htm), File No. 811-08994, filed with the SEC on April 28, 2026. You may obtain a copy of the Statement of Additional Information without charge by sending a written request to Variable Administration, P.O. Box 219364, Kansas City, Missouri 64121-9364 or by calling us at 1-800-616-3670.

Kansas City Life's financial statements should be considered only as bearing on our ability to meet our obligations under the Contract. They should not be considered as bearing on the investment performance of the assets held in the Variable Account.

#### VOTING RIGHTS
We are the legal owner of shares held by the Subaccounts and we have the right to vote on all matters submitted to shareholders of the Funds. As required by law, we will vote shares held in the Subaccounts in accordance with instructions received from Owners with Contract Value in the Subaccounts. We may be permitted to vote shares of the Funds in our own right if the applicable federal securities laws, regulations or interpretations of those laws or regulations change.

We will solicit voting instructions from you, as required by applicable law or regulation, before any Fund shareholder meeting. Your votes will be calculated separately for each Subaccount of the Variable Account, and may include fractional shares. We will determine the number of votes attributable to a Subaccount by applying your percentage interest, if any, in a particular Subaccount to the total number of votes attributable to that Subaccount. The number of votes for which you may give instructions will be determined as of the date established by the Fund for determining shareholders eligible to vote. We will vote shares held by a Subaccount for which we have no instructions and any shares held in our General Account in the same proportion as those shares for which we do receive voting instructions. This means that a small number of Owners may control the outcome of the vote.

#### CHARGES AND DEDUCTIONS

#### SURRENDER CHARGE
This product does not have a surrender charge.

#### TRANSFER PROCESSING FEE
The first six transfers during each Contract Year are free. We will assess a transfer processing fee of $25 for each additional transfer during such Contract Year. For the purpose of assessing the fee, we will consider each Written Request for a transfer to be one transfer, regardless of the number of accounts affected by the transfer. We will deduct the transfer processing fee from the amount being transferred or from the remaining Contract Value, according to your instructions.

#### ADMINISTRATIVE CHARGES
***Annual Administration Fee*.** There is no annual administration fee.

#### BASE CONTRACT CHARGES
***Asset-Based Administration Charge*.** We will deduct a daily asset-based administration charge from the assets of the Variable Account equal to an annual rate of 0.25%. The purpose of this charge is to reimburse us for costs associated with administration of the Contract amounts allocated to the Variable Account. This charge does not apply after the Maturity Date.

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***Mortality and Expense Risk Charge***. We will deduct a daily mortality and expense risk charge from the assets of the Variable Account. This charge will be equal to an annual rate of 1.40%. The purpose of this charge is to compensate us for assuming mortality and expense risks. This charge does not apply after the Maturity Date.

The mortality risk we assume is that Annuitants may live for a longer period of time than estimated when we established the guarantees in the Contract. Because of these guarantees, we provide each payee with the assurance that longevity will not have an adverse effect on the annuity payments received. The mortality risk we assume also includes a guarantee to pay a death benefit if the Annuitant dies before the Maturity Date. The expense risk we assume is the risk that the asset-based administration charges, and transfer processing fee may be insufficient to cover actual future expenses.

If the mortality and expense risk charge is not enough to cover the actual cost of the mortality and expense risks we undertake, we will bear the loss. If the amount of such charges proves more than enough, we will keep the excess and this amount will be available for any proper corporate purpose including financing of distribution expenses.

#### GUARANTEED MINIMUM WITHDRAWAL BENEFIT CHARGE
We charge an additional monthly charge on the Monthly Anniversary Day for the GMWB rider. The maximum GMWB rider charge is equal to 0.10%, 1.20% annually (currently 0.079%, 0.95% annually, for GMWB riders elected on and after January 1, 2009 and for GMWB riders elected before January 1, 2009 that have stepped-up since January 1, 2009) multiplied by the Guaranteed Withdrawal Balance. We deduct the rider charge from each Subaccount in the same proportion that the value of each Subaccount is to the Contract Value. We do not deduct the rider charge during the GMWB rider's Settlement Phase.

#### PREMIUM TAXES
Various states and other governmental entities levy a premium tax, currently ranging up to 3.5%, on annuity contracts issued by insurance companies. Premium tax rates may change from time to time by legislative and other governmental action. In addition, other governmental units within a state may levy such taxes.

If premium taxes are applicable, we will deduct them upon surrender or when we apply the Contract Proceeds to a payment option or a lump sum payment.

#### REDUCED CHARGES FOR ELIGIBLE GROUPS
We may reduce the administration charges for Contracts issued to a class of associated individuals or to a trustee, employer or similar entity. We may reduce these charges if we anticipate that the sales to the members of the class will result in lower than normal sales or administrative expenses. We will make any reductions in accordance with our rules in effect at the time of the application. The factors we will consider in determining the eligibility of a particular group and the level of the reduction are as follows:

&nbsp;&nbsp;&nbsp;&nbsp;• nature of the association and its organizational framework;

&nbsp;&nbsp;&nbsp;&nbsp;• method by which sales will be made to the members of the class;

&nbsp;&nbsp;&nbsp;&nbsp;• facility with which premiums will be collected from the associated individuals;

&nbsp;&nbsp;&nbsp;&nbsp;• association's capabilities with respect to administrative tasks;

&nbsp;&nbsp;&nbsp;&nbsp;• anticipated persistency of the Contract;

&nbsp;&nbsp;&nbsp;&nbsp;• size of the class of associated individuals;

&nbsp;&nbsp;&nbsp;&nbsp;• number of years the association has been in existence; and

&nbsp;&nbsp;&nbsp;&nbsp;• any other such circumstances which justify a reduction in sales or administrative expenses.

Any reduction will be reasonable, will apply uniformly to all prospective Contract purchases in the class and will not be unfairly discriminatory to the interests of any Owner.

#### OTHER TAXES
We do not currently assess a charge against the Variable Account for federal income taxes. We may make such a charge in the future if income or gains within the Variable Account result in any federal income tax liability to us. We may also deduct charges for other taxes attributable to the Variable Account.

#### LOAN INTEREST CHARGE
If a Contract is a section 403(b) TSA Qualified Contract, Contract loans may be available if permitted by an employer's section 403(b) plan. A loan interest charge is assessed by crediting a lower rate on amounts held in the loan account as collateral than the rate charged on the loan amount. The maximum amount of interest we charge on a loan is 8% annually of the loan amount. The maximum guaranteed net loan interest charge, which is the difference between the maximum amount charged on any loan amount and the minimum amount credited to the loan account (3% annually), will not exceed 5%.

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#### INVESTMENT ADVISORY FEES AND OTHER EXPENSES OF THE FUNDS
The funds deduct investment advisory fees and other expenses. The value of the net assets of each Subaccount already reflects the investment advisory fees and other expenses incurred by the corresponding Portfolio in which the Subaccount invests. This means that these charges are deducted before we calculate Subaccount Values. These charges are not directly deducted from your Contract Value. See the prospectuses for the Funds for more information about the investment advisory fees and other expenses.

#### DESCRIPTION OF THE CONTRACT
The Contract is a variable annuity that provides accumulation of Variable Account Value based on the performance of Subaccounts within the Kansas City Life Variable Annuity Separate Account. You may also allocate a portion of your premiums to our Fixed Account. We provide options such as the Dollar Cost Averaging Plan, the Portfolio Rebalancing Plan and the Systematic Partial Surrender Plan. The Contract offers only fixed annuity payment options.

Contracts issued in your state may provide different features and benefits from those described in this Prospectus. Differences could include the length of the free-look period and the calculation of the free-look refund, maturity date and annuitization, and under payments or over payments due to misstatement of age or sex. In addition, optional riders may not be available in all states. See your Contract for specific variations. Your registered representative may also provide you with additional information about state variations. The Company may change or stop offering an optional rider at any time before it is elected.

The free-look period by state is displayed below:

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| | | |
|:---|:---|:---|
| **Free-Look Period** | **Replacement** | **State(s)** |
| 10 days | N/A | CT, DC, GA, IL, ME, MI, SD, VA |
| 10 days | No | AK, AL, AR, AZ (issue age less than 65), CA (issue age less than 60), CO, DE, HI, IA, IN, KS, KY, LA, MA, MD, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, TN, UT, WA, WI, WV, WY |
| 20 days | Yes | DE, IN, KS, MA, MO, OK, TN, WA, WY |
| 20 days | No | RI, TX |
| 20 days | External | PA |
| 21 days | N/A | FL |
| 30 days | N/A | MN, AZ (issue age over 65), CA (issue ages 60 and over) |
| 30 days | Yes | AK, AL, AR, AZ (issue age less than 65), CA (issue age less than 60), CO, HI, IA, KY, LA, MD, MN, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OR, RI, TX, UT, WI, WV |
| 45 days | Internal | PA |

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#### PURCHASING A CONTRACT
The maximum Issue Age for which we issue a Contract is 85. However, for Qualified Contracts with an Issue Age of 70½ or greater, tax laws may require that distributions begin immediately. We may issue Contracts above the maximum Issue Age under certain circumstances. We may issue Contracts in connection with retirement plans that may or may not qualify for special federal tax treatment under the Code.

The minimum initial premium that we accept is a single premium of $25,000. You may pay additional premium payments at any time while the Annuitant is alive and before the Maturity Date. These payments must be at least $50. We may limit the number and amount of additional premium payments (where permitted).

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#### REPLACEMENT OF CONTRACTS
It may not be in your best interest to surrender, lapse, change, or borrow from existing life insurance or annuity contracts in connection with the purchase of a Contract. You should replace your existing insurance only when you determine that the Contract is better for you. The charges and benefits of your existing insurance may be different from a Contract purchased from us. You may have to pay a surrender charge on your existing insurance.

You should talk to your financial professional or tax adviser to make sure the exchange of an existing contract will be tax-free. If you surrender your existing contract for cash and then buy the Contract, you may have to pay a tax, including possibly a penalty tax, on the surrender. Also, because we will not issue the Contract until we have received an initial premium, the issuance of the Contract may be delayed.

#### FREE-LOOK PERIOD
You may cancel your Contract for a refund during your "free-look" period. The free-look period applies for the 10 days after you receive the Contract. We must receive the returned Contract at our Home Office within 10 days if you wish to cancel your Contract. When we receive the returned Contract at our Home Office, we will cancel the Contract. The amount that we will refund will vary according to state requirements. Most states allow us to refund Contract Value. In those states, we will return an amount equal to the Contract Value. We will determine the amount of the Contract Value as of the earlier of:

&nbsp;&nbsp;&nbsp;&nbsp;• the date the returned Contract is received by us at our Home Office; or

&nbsp;&nbsp;&nbsp;&nbsp;• the date the returned Contract is received by the registered representative who sold you the Contract.

A few states require a return of the greater of premium payments or Contract Value. In these states, we will refund the greater of:

&nbsp;&nbsp;&nbsp;&nbsp;• the premiums paid under the Contract; and

&nbsp;&nbsp;&nbsp;&nbsp;• the Contract Value as of the earlier of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the date the returned Contract is received by us at our Home Office; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the date the returned Contract is received by the registered representative who sold you the Contract.

Some states permit only the return of premiums even if this amount is less than what we would have returned otherwise.

#### ALLOCATION OF PREMIUMS
At the time of application, you select how we will allocate premiums among the Subaccounts and the Fixed Account. The total amount allocated to the Fixed Account may not exceed 15% of the Contract Value. You can change the allocation percentages at any time by sending Written Notice to us. You may also change your allocation by telephone, facsimile, and electronic mail if you have provided proper authorization. (See "[TELEPHONE, FACSIMILE, ELECTRONIC MAIL, AND INTERNET AUTHORIZATIONS](#TELEPHONEFACSIMILEELECTRO)")

Our procedures for allocation of premiums during the free-look period vary by state, based on the amount that each state requires to be refunded if the Contract is returned within the free-look period:

&nbsp;&nbsp;&nbsp;&nbsp;• for Contracts sold to residents of states that allow refund of Contract Value, we will immediately allocate premiums according to the allocation you requested; and

&nbsp;&nbsp;&nbsp;&nbsp;• for Contracts sold as an Individual Retirement Annuity or to residents of states that require either the refund of premiums paid or the refund of the greater of Contract Value or premiums paid, we will allocate premiums received during a
 15-day period following the Contract Date to the Federated Hermes Government Money Fund II Subaccount for that 15-day period. At the end of this 15-day period, we will allocate the amount in the Federated Hermes Government Money Fund II
 Subaccount according to your allocation instructions.

We will allocate the initial premium within two business days of when we receive the premium at our Home Office. In order to allocate the premium in this time frame, you must properly complete the application and it must include all the information necessary to process it, including payment of the initial premium. If the application is not properly completed, we will retain the premium for up to five business days while we attempt to complete the application. If the application is not complete at the end of the 5-day period, we will inform you of the reason for the delay. We will also return the initial premium immediately, unless you specifically consent to our keeping the premium until the application is complete. Once the application is complete, we will allocate the initial premium within two business days. There may be delays in our receipt of application that are outside of our control because of the failure of the registered representative to forward the application to us promptly, because the application was sent to the wrong address, or because of delays in determining that the Contract is suitable

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for you. Any such delays will affect when your Contract is issued and when your premium is allocated among the Subaccounts and/or the Fixed Account.

We will allocate subsequent premiums at the end of the Valuation Period in which we receive the premium payment at our Home Office. Premiums received at our Home Office before the New York Stock Exchange closes are priced using the Subaccount accumulation unit value determined at the close of that regular business session of the New York Stock Exchange (usually 3:00 p.m. Central Time). If we receive a premium payment after the New York Stock Exchange closes, we will process the order using the Subaccount accumulation unit value determined at the close of the next regular session of the New York Stock Exchange. We will credit amounts to the Subaccounts only on a Valuation Day, that is, on a date the New York Stock Exchange is open for trading.

The values of the Subaccounts will vary with their investment experience, so that you bear the entire investment risk with respect to the Variable Account Value. You should periodically review your premium allocation schedule in light of market conditions and your overall financial objectives.

If mandated under applicable law, we may be required to reject a premium payment. We may also be required to provide additional information about you or your account to government regulators. In addition, we may be required to block an Owner's account and thereby refuse to pay any request for transfers, surrenders, loans, annuity payments, or death benefits, until instructions are received from the appropriate regulator.

#### DETERMINATION OF CONTRACT VALUE
The Contract Value is the sum of the Variable Account Value and the Fixed Account Value.

#### VARIABLE ACCOUNT VALUE
The Variable Account Value reflects the following:

&nbsp;&nbsp;&nbsp;&nbsp;• the investment experience of the selected Subaccounts;

&nbsp;&nbsp;&nbsp;&nbsp;• premiums paid;

&nbsp;&nbsp;&nbsp;&nbsp;• surrenders;

&nbsp;&nbsp;&nbsp;&nbsp;• transfers;

&nbsp;&nbsp;&nbsp;&nbsp;• charges assessed in connection with the Contract; and

&nbsp;&nbsp;&nbsp;&nbsp;• Contract loan balance

There is no guaranteed minimum Variable Account Value. Since a Contract's Variable Account Value on any future date depends upon a number of factors, it cannot be predetermined.

***Calculation of Variable Account Value*.** We calculate the Variable Account Value on each Valuation Date. Its value will be the sum of the values attributable to the Contract in each of the Subaccounts. We will determine the amount for each Subaccount by multiplying the Subaccount's unit value on the Valuation Date by the number of Subaccount accumulation units allocated to the Contract. The unit value of a Subaccount may increase, decrease, or remain the same.

***Determination of Number of Accumulation Units*.** We will convert any amounts allocated to a Subaccount into accumulation units of that Subaccount. We determine the number of accumulation units credited to the Contract by dividing the dollar amount allocated to the Subaccount by the unit value for that Subaccount at the end of the Valuation Period during which the amount was allocated.

We will increase the number of accumulation units in any Subaccount at the end of the Valuation Period by:

&nbsp;&nbsp;&nbsp;&nbsp;• any premiums allocated to the Subaccount during the current Valuation Period; and

&nbsp;&nbsp;&nbsp;&nbsp;• transfers to the Subaccount from another Subaccount or from the Fixed Account during the current Valuation Period; and

We will decrease the number of accumulation units in any Subaccount at the end of the Valuation Period by:

&nbsp;&nbsp;&nbsp;&nbsp;• amounts transferred from the Subaccount to another Subaccount or the Fixed Account including any applicable transfer fee; and

&nbsp;&nbsp;&nbsp;&nbsp;• amounts surrendered during the current Valuation Period.

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***Net Investment Factor.*** We will calculate a net investment factor on each Valuation Day. A Subaccount's net investment factor measures the investment performance of an accumulation unit in that Subaccount during a Valuation Period. The formula for the net investment factor equals:

(X/Y) – Z

where "X" equals the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;• the net asset value per accumulation unit held in the Subaccount at the end of the current Valuation Day; plus

&nbsp;&nbsp;&nbsp;&nbsp;• the per accumulation unit amount of any dividend or capital gain distribution on shares held in the Subaccount during the current Valuation Day; less

&nbsp;&nbsp;&nbsp;&nbsp;• the per accumulation unit amount of any capital loss distribution on shares held in the Subaccount during the current Valuation Day; less

&nbsp;&nbsp;&nbsp;&nbsp;• the per accumulation unit amount of any taxes or any amount set aside during the Valuation Day as a reserve for taxes attributable to gains or losses in the Funds underlying the Subaccount.

"Y" equals the net asset value per accumulation unit held in the Subaccount as of the end of the immediately preceding Valuation Day; and

"Z" equals the charges we deduct from the Subaccount on a daily basis. These charges equal the sum of the asset-based administration charge and the mortality and expense risk charge. The asset-based administration charge equals 0.25% on an annual basis. The mortality and expense risk charge equals 1.40% on an annual basis.

***Determination of Unit Value*.** We arbitrarily set the value of an accumulation unit for each of the Subaccounts at $10 when the first investments were bought. The accumulation unit value for each subsequent Valuation Period is equal to:

A x B

"A" is equal to the Subaccount's accumulation unit value for the end of the immediately preceding Valuation Day; and

"B" is equal to the net investment factor for the current Valuation Day.

This accumulation unit value may increase or decrease from day to day based on investment results.

#### TRANSFER PRIVILEGE
After the free-look period and before the Maturity Date, you may transfer amounts among the Subaccounts and the Fixed Account. Transfers are subject to the following restrictions:

&nbsp;&nbsp;&nbsp;&nbsp;• the minimum transfer amount is the lesser of $250 or the entire amount in that Subaccount or the Fixed Account;

&nbsp;&nbsp;&nbsp;&nbsp;• we will treat a transfer request that would reduce the amount in a Subaccount or the Fixed Account below $250 as a transfer request for the entire amount in that Subaccount or the Fixed Account;

&nbsp;&nbsp;&nbsp;&nbsp;• we currently have no limit on the number of transfers that you can make between Subaccounts or to the Fixed Account. However, you can make only one transfer from the Fixed Account each Contract Year. (See " [TRANSFERS FROM FIXED ACCOUNT](#TRANSFERSFROMFIXEDACCOUNT_0) " for restrictions); and

&nbsp;&nbsp;&nbsp;&nbsp;• we have the right, where permitted, to suspend or modify this transfer privilege at any time. Any suspension or modification of this privilege will be communicated in writing.

We will make a transfer on the date that we receive Written Notice requesting the transfer. You may also make transfers by telephone, facsimile and electronic mail if you have provided proper authorization, unless, in accordance with our policies and procedures regarding frequent transfers among Subaccounts, we require you to provide us with a Written Request for transfers. (See "[TELEPHONE, FACSIMILE, ELECTRONIC MAIL, AND INTERNET AUTHORIZATIONS](#TELEPHONEFACSIMILEELECTRO)") Transfer requests made in writing, by facsimile, or by electronic mail must be received, and transfer requests made by telephone must be completed, before 3:00 p.m. Central Time to receive same-day pricing of the transaction. Transfer requests received (or completed) before the New York Stock Exchange closes are priced using the Subaccount accumulation unit value determined at the close of that regular business session of the New York Stock Exchange (usually 3:00 p.m. Central Time). If we receive a transfer request after the New York Stock Exchange closes, we will process the order using the Subaccount accumulation unit value determined at the close of the next regular business session of the New York Stock Exchange.

The first six transfers during each Contract Year are free. We will charge a $25 transfer processing fee for all transfers during a Contract Year in addition to the six free ones. For the purpose of charging the fee, we will consider each request to be one transfer, regardless of the number of Subaccounts or the Fixed Account affected by that request. We will deduct the transfer processing fee from the amount being transferred or from the remaining Contract Value, according to your instructions.

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We have policies and procedures that attempt to detect and deter frequent transfer activity among Subaccounts. Our procedures for detecting frequent transfer activity involve examining the number of transfers made by an Owner within given periods of time. Currently, we monitor for 12 or more transfers in a Contract within a calendar year. For purposes of applying the parameters used to detect frequent transfer activity, we will aggregate transfers made on the same Valuation Day under multiple contracts owned by the same Owner. However, we do not aggregate transfers made pursuant to the Dollar Cost Averaging Plan and the Portfolio Rebalancing Plan.

If transfer activity violates our established parameters for detecting frequent transfers, we review those transfers to determine if, in our judgment, the transfers are potentially harmful frequent transfer activity. If, in our sole opinion, a pattern of excessive transfers develops or a transfer is not in the best interests of one or more Owners, we either will suspend the transfer privilege or will apply limitations or modifications to transfers to or from one or more of the Subaccounts. We will communicate to Owners in writing any suspension or limitation or modification of the transfer privilege. Our policies and procedures specify the following as limitations that will be applied to deter excessive transfers:

&nbsp;&nbsp;&nbsp;&nbsp;• the requirement of a minimum time period between each transfer;

&nbsp;&nbsp;&nbsp;&nbsp;• not accepting a transfer request from a third party acting under authorization on behalf of more than one Owner;

&nbsp;&nbsp;&nbsp;&nbsp;• limiting the dollar amount that may be transferred between the Subaccounts by an Owner at any one time;

&nbsp;&nbsp;&nbsp;&nbsp;• implementing and administering redemption fees imposed by one or more of the Funds in the future; and

&nbsp;&nbsp;&nbsp;&nbsp;• requiring that a Written Request be provided to us at our Home Office, signed by an Owner.

The detection and deterrence of harmful transfer activity involves judgments that are inherently subjective, including our judgment as to what parameters to use to detect potentially harmful frequent transfer activity and what particular limitation of the five possible limitations described above to apply to deter excessive transfers when a particular instance of potentially harmful transfer activity is detected. Our ability to detect and apply specific limitations to such transfer activity may be limited by operational and technological systems, as well as by our ability to predict strategies employed by Owners to avoid such detection. We apply our procedures consistently to Owners without special arrangement, waiver or exception. However, we may vary our procedures from Subaccount to Subaccount, and may be more restrictive with regard to certain Subaccounts than others. There is no assurance that we will prevent all transfer activity that may adversely affect Owners and other persons with interests in the Contracts.

In our sole discretion, we may at any time and without prior notice revise any procedures we follow as necessary: to better detect and deter frequent, large, or short-term transfers that may adversely affect Owners and other persons with interests under the Contracts; to comply with state or federal regulatory requirements; or to impose additional or alternate restrictions (such as percentage limits on transfers) on Owners engaging in frequent transfer activity among the Subaccounts. We also may not process a transfer request if the Subaccount affected by the transfer is unable to purchase or redeem shares of its corresponding Fund Portfolio because of actions taken or limitations imposed by the Fund.

The Funds with Portfolios available as investment options under the Contract may have adopted their own policies and procedures with respect to frequent purchases and redemptions of their respective shares. The prospectuses for the Funds describe any such policies and procedures, which may be more or less restrictive than the frequent trading policies and procedures of other Funds and the policies and procedures we have adopted to discourage frequent transfers among Subaccounts. You should read the prospectuses of the Funds for more details on their ability to refuse or restrict purchases or redemptions of their shares. You should be aware that we have entered into a written agreement, as required by SEC regulation, with each Fund or its principal underwriter that obligates us (1) to provide the Fund promptly upon request certain information about the trading activity of individual Owners, and (2) to execute instructions from the Fund to restrict or prohibit further purchases or transfers by specific Owners who violate the frequent trading policies established by the Fund.

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Owners and other persons with interests under the Contracts also should be aware that the purchase and redemption orders received by the Funds generally are "omnibus" orders from other insurance companies or from intermediaries such as retirement plans. The omnibus orders reflect the aggregation and netting of multiple orders from individual retirement plan participants and/or individual owners of variable insurance contracts. The omnibus nature of these orders may limit a Fund's ability to apply its respective frequent trading policies and procedures. We cannot guarantee that the Funds will not be harmed by transfer activity relating to the retirement plans and/or other insurance companies that may invest in the Funds.

In accordance with applicable law, we reserve the right to modify or terminate the transfer privilege at any time. We also reserve the right to defer or restrict the transfer privilege at any time that we are unable to purchase or redeem shares of any of the Portfolios, including any refusal or restriction on purchases or redemptions of Portfolio shares as a result of a Fund's own policies and procedures on frequent purchase and redemption of Fund shares (even if an entire omnibus order is rejected because or frequent transfer activity of a single Owner). You should read the Fund prospectuses for more details.

#### DOLLAR COST AVERAGING PLAN
The Dollar Cost Averaging Plan is an optional feature available with the Contract. If you elect this plan, it enables you to automatically transfer amounts from the Federated Hermes Government Money Fund II Subaccount to other Subaccounts or the Fixed Account. The maximum amount that can be transferred into the Fixed Account through the Dollar Cost Averaging Plan is 15% of the Contract Value. The goal of the Dollar Cost Averaging Plan is to make you less susceptible to market fluctuations by allocating on a regularly scheduled basis instead of allocating the total amount all at one time. We do not guarantee that the Dollar Cost Averaging Plan will result in a gain or prevent a loss.

Transfers under this plan occur on a monthly basis for a period you choose, ranging from three to 36 months. To participate in this plan you must transfer at least $250 from the Federated Hermes Government Money Fund II Subaccount each month. You may allocate the required amounts to the Federated Hermes Government Money Fund II Subaccount through initial and subsequent premium payments or by transferring amounts into the Federated Hermes Government Money Fund II Subaccount from the other Subaccounts or from the Fixed Account.

You may elect this plan at the time of application by completing the authorization. You may also elect it at any time after the Contract is issued by completing the election form. Dollar cost averaging transfers will start on the next Monthly Anniversary Day following the date we receive your request or on the date you request. We do not impose a charge for participating in this plan.

Once elected, we will process transfers from the Federated Hermes Government Money Fund II Subaccount monthly until:

&nbsp;&nbsp;&nbsp;&nbsp;• we have completed the number of designated transfers;

&nbsp;&nbsp;&nbsp;&nbsp;• the value of the Federated Hermes Government Money Fund II Subaccount is completely depleted; or

&nbsp;&nbsp;&nbsp;&nbsp;• you send us Written Notice instructing us to cancel the monthly transfers.

There is no transfer charge for participation in the Dollar Cost Averaging Plan and transfers made under the Dollar Cost Averaging Plan will not count toward the six free transfers allowed each Contract Year. We have the right to cancel this feature at any time with notice to you.

#### PORTFOLIO REBALANCING PLAN
The Portfolio Rebalancing Plan is an optional feature available with the Contract. Under this plan, we will redistribute the accumulated balance of each Subaccount to equal a specified percentage of the Variable Account Value. We will do this on a quarterly basis at three-month intervals from the Monthly Anniversary Day on which the Portfolio Rebalancing Plan begins. The purpose of the Portfolio Rebalancing Plan is to automatically diversify your portfolio mix. The plan automatically adjusts your portfolio mix to be consistent with your current premium allocation instructions. If you make a change to your premium allocation, we will also automatically change the allocation used for portfolio rebalancing to be consistent with the new premium allocation. We do not impose a charge for participating in this plan.

The redistribution will not count as a transfer permitted under the Contract each Contract Year. If you also have elected the Dollar Cost Averaging Plan and it has not been completed, the Portfolio Rebalancing Plan will start on the Monthly Anniversary Day the Dollar Cost Averaging Plan ends. If the Contract Value is negative at the time portfolio rebalancing is scheduled, we will not complete the redistribution.

You may elect this plan at the time of application by completing the authorization. You may also elect it at any time after the Contract is issued by completing the election form. Portfolio rebalancing will terminate when:

&nbsp;&nbsp;&nbsp;&nbsp;• you request any transfer unless you authorize a new allocation; or

&nbsp;&nbsp;&nbsp;&nbsp;• the day we receive Written Notice instructing us to cancel the plan.

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#### PARTIAL AND FULL CASH SURRENDERS
***Partial Surrenders*.** You may surrender part of the Cash Surrender Value at any time before your death, the Annuitant's death or the Maturity Date. You may submit a Written Notice to the Home Office or provide notice by telephone if you have provided proper authorizations to us. (See "[TELEPHONE, FACSIMILE, ELECTRONIC MAIL, AND INTERNET AUTHORIZATIONS](#TELEPHONEFACSIMILEELECTRO)") The minimum partial surrender requested must be at least $100. We will surrender the amount requested from the Contract Value on the date we receive Written Notice or notice by telephone for the surrender. We will price a partial surrender request received in good order before the New York Stock Exchange closes using the Subaccount accumulation unit value determined at the close of that regular business session of the New York Stock Exchange (usually 3:00 p.m. Central Time). For requests received in good order after the New York Stock Exchange closes, we will price such partial surrender request using the Subaccount accumulation unit value determined at the close of the next regular session of the New York Stock Exchange. Unless you request otherwise, partial surrenders will be made from each Subaccount and the Fixed Account in proportion to the Contract Value allocated to the Subaccounts and the Fixed Account. You may also specify the investment options from which a partial surrender is to be made.

There are no surrender charges associated with a partial surrender. We will make the surrender from each Subaccount and the Fixed Account based on your instructions. If the amount requested exceeds the Subaccount and/or Fixed Account Value, we will process the surrender for the amount available and then contact you for further instructions.

Partial surrenders that exceed limits specified by the GMWB rider in a Contract Year may reduce the value of the GMWB by more than the amount of the partial surrender or cause the rider to terminate. Partial surrenders may also reduce the amount payable under the GMDB by more than the amount of the partial surrender.

***Systematic Partial Surrender Plan*.** The Systematic Partial Surrender Plan enables you to authorize an automatic regular payment of a partial surrender amount. If you wish to participate in the plan, you should instruct us to surrender a particular dollar amount from the Contract on a monthly, quarterly, semi-annual or annual basis. The minimum payment under this plan is $100. We will make the surrender from each Subaccount and the Fixed Account based on your instructions. If the amount requested exceeds the Subaccount and/or Fixed Account Value, we will process the surrender for the amount available and contact you for further instructions.

You may discontinue participation in the Systematic Partial Surrender Plan at any time by sending us Written Notice.

Systemic partial surrenders may not be appropriate for 403(b) contracts or if you elect the GMWB rider.

**Certain federal income tax consequences may apply to partial and systematic partial surrenders. You should consult your tax adviser before requesting a partial or systematic partial surrender. (See "[FEDERAL TAX STATUS](#FEDERALTAXSTATUS)"). Systemic partial surrenders more than the Guaranteed Withdrawal Amount under the GMWB rider may significantly reduce or eliminate the value of the benefit and increase the likelihood your Contract will terminate. (See "[Five Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit – Important Considerations](#FIVEPLUSSMGUARANTEEDMINIM)")**

***Full Surrender*.** You may request a surrender of the Contract for its Cash Surrender Value at any time before the earlier of your death, the Annuitant's death, or the Maturity Date. The Cash Surrender Value will equal the Contract Value less:

&nbsp;&nbsp;&nbsp;&nbsp;• any loan balance;

&nbsp;&nbsp;&nbsp;&nbsp;• any premium taxes payable; and

&nbsp;&nbsp;&nbsp;&nbsp;• any withholding taxes.

We will determine the Cash Surrender Value on the date we receive Written Notice of surrender and the Contract. We will price a surrender request received in good order before the New York Stock Exchange closes for normal trading using the Subaccount accumulation unit value determined at the close of that regular business session of the New York Stock Exchange (usually 3:00 p.m. Central Time). For requests received in good order after the New York Stock Exchange closes, we will price such surrender request using the Subaccount accumulation unit value determined at the close of the next regular session of the New York Stock Exchange.

**Certain federal income tax consequences may apply to a surrender of the Contract. You should consult your tax adviser before requesting a surrender. (See "[FEDERAL TAX STATUS](#FEDERALTAXSTATUS)")**

***Restrictions on Distributions from Certain Contracts*.** Certain restrictions apply to surrenders and partial surrenders from Contracts used as funding vehicles for Code section 403(b) retirement plans. Section 403(b)(11) of the Code restricts the distribution under section 403(b) annuity contracts of:

&nbsp;&nbsp;&nbsp;&nbsp;• elective contributions made in years beginning after December 31, 1988;

&nbsp;&nbsp;&nbsp;&nbsp;• earnings on those contributions; and

&nbsp;&nbsp;&nbsp;&nbsp;• earnings in such years on amounts held as of the last year beginning before January 1, 1989.

Distributions of those amounts may only occur upon:

&nbsp;&nbsp;&nbsp;&nbsp;• the death of the employee;

&nbsp;&nbsp;&nbsp;&nbsp;• attainment of age 59½;

&nbsp;&nbsp;&nbsp;&nbsp;• severance from employment;

&nbsp;&nbsp;&nbsp;&nbsp;• disability; or

&nbsp;&nbsp;&nbsp;&nbsp;• financial hardship.

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Other exceptions may be applicable under certain circumstances. Effective for plan years beginning in 2024, distributions of elective contributions, qualified non-elective contributions, qualified matching contributions, and gains attributable to such contributions may be made on account of hardship. Under prior tax law provisions, distributions on account of hardship were generally limited to amounts attributable to elective contributions.

Pursuant to tax regulations, we generally are required to confirm, with your section 403(b) plan sponsor or otherwise, that surrenders you request from a section 403(b) contract comply with applicable tax requirements before we process your request.

#### CONTRACT TERMINATION
We may terminate the Contract and pay you the Cash Surrender Value if all of these events simultaneously exist prior to the Maturity Date:

&nbsp;&nbsp;&nbsp;&nbsp;• you have not paid premiums for at least two years;

&nbsp;&nbsp;&nbsp;&nbsp;• the Contract Value is less than $2,000; and

&nbsp;&nbsp;&nbsp;&nbsp;• total premiums paid under the Contract, less any partial surrenders, is less than $2,000.

We will mail a termination notice to you and to the holder of any assignment of record at least six months before we terminate the Contract. We have the right to automatically terminate the Contract on the date specified in the notice unless we receive an additional premium payment before the termination date specified or the Contract Value has increased to the amount required due to positive investment performance. This additional premium payment must be for at least the required minimum amount.

If elected, the GMWB rider will terminate on the date the Contract terminates for any reason. Upon termination of the GMWB rider, your Guaranteed Withdrawal Balance will decline to zero, and we will not refund any GMWB rider charge that you previously paid.

#### CONTRACT LOANS
If your Contract is a section 403(b) TSA Qualified Contract, you may have the option of taking a Contract loan at any time after the first Contract Year if permitted by your employer's section 403(b) plan. Pursuant to tax regulations, we generally are required to confirm, with your section 403(b) plan sponsor or otherwise, that loans you request from a section 403(b) contract comply with applicable tax requirements before we process your request. You may obtain a loan by submitting Written Notice. The only security we require is an assignment of the Contract to us. We allow only one loan per Contract Year.

We will show the current loan amount and any withdrawals for unpaid interest on your annual report.

***Amount of Loan Available*.** You may borrow up to the least of:

&nbsp;&nbsp;&nbsp;&nbsp;• $50,000, reduced by the excess (if any) of the highest outstanding loan balance during the one-year period ending on the day before the loan is made over the outstanding loan balance on the day loan is made;

&nbsp;&nbsp;&nbsp;&nbsp;• the greater of 50% of the Cash Surrender Value of the Contract or $10,000; or

&nbsp;&nbsp;&nbsp;&nbsp;• the Cash Surrender Value less any outstanding loans, determined as of the date of the loan.

At any time you make a new loan, the sum of all prior loans, loan interest outstanding, and the current loan applied for, may not exceed the applicable limit described above. Each loan must be at least $2,500.

***Loan Account.*** When you take a loan, we will withdraw an amount equal to the loan from the Fixed Account and Variable Account and transfer this amount to the loan account. The loan account is part of the Fixed Account. If you do not specify allocation instructions in your loan application, we will withdraw the loan pro rata from all Subaccounts having values and from the Fixed Account. Amounts transferred to the loan account do not participate in the investment experience of the Fixed Account and the Subaccounts from which they were withdrawn.

***Interest Credited on Loaned Amount*.** We will pay interest on amounts in the loan account at the minimum guaranteed effective annual interest rate of 3% per year. We may apply different interest rates to the loan account than the Fixed Account. Any interest we credit on loaned amounts will remain in the Fixed Account.

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***Loan Interest Charged*.** On each Contract Anniversary, we will charge accrued interest on a Contract loan at the maximum rate of 8% per year. We may establish a lower rate for any period during which the Contract loan is outstanding. Interest is payable at the end of each Contract Year and on the date the loan is repaid.

If we do not receive the loan interest payment by the Contract Anniversary, we will transfer the accrued loan interest from the Fixed Account and Subaccounts to the loan account on a pro rata basis.

***Repayment of Loan.*** You must specifically identify any loan repayment as such in order to ensure that it will be applied correctly. Each loan repayment will result in a transfer of an amount equal to the loan repayment from the loan account to the Fixed Account and/or Subaccounts. We will use your current premium allocation schedule to allocate the loan repayment, unless you provide specific instructions to allocate the loan repayment differently. Each loan repayment must be at least $25.

You must repay principal and interest in substantially equal monthly payments over a five-year period. You are allowed a 31-day grace period from the installment due date. If a monthly installment is not received within the 31-day grace period, under federal tax law you will be treated as having a deemed distribution of the entire amount of the outstanding principal, interest due, and any applicable charges under this Contract. This deemed distribution may be subject to income and penalty tax under the Code and may adversely affect the treatment of the Contract under Internal Revenue Code section 403(b).

***Loan Balance***. Loan balance means all unpaid Contract loans and loan interest. We will deduct any outstanding loan balance from the Contract Proceeds. We will terminate your Contract if your total loan balance exceeds the Cash Surrender Value of the Contract. We will mail notice to you at least 31 days before such termination.

Allowing a Contract to terminate under these circumstances could have adverse tax consequences and may adversely affect the treatment of the Contract under Code section 403(b).

***Effect of Contract Loan***. A loan, whether or not repaid, will have a permanent effect on the death benefit and Contract Values because the investment results will apply only to the non-loaned portion of the Contract Value. The longer the loan is outstanding, the greater the effect is likely to be. Depending on the investment results of the Subaccounts or credited interest rates for the unloaned value in the Fixed Account while the loan is outstanding, the effect could be favorable or unfavorable. Loans may increase the potential for lapse if investment results of the Subaccounts are less than anticipated. Loans can (particularly if not repaid) make it more likely than otherwise for a Contract to terminate.

***ERISA Plans.*** If your section 403(b) TSA Qualified Contract is part of a plan subject to the Employee Retirement Income Security Act of 1974 ("ERISA"), you should consult a qualified legal adviser about compliance with ERISA requirements prior to requesting a Contract loan. Any loan under this Contract may also be subject to the rules of the plan it is part of. You are responsible for determining whether your plan is subject to, and complies with, ERISA and the Department of Labor regulations governing plan loans.

#### DEATH BENEFIT BEFORE MATURITY DATE
A death benefit will be paid at the death of either the Annuitant or an Owner of the Contract. We will determine the amount of and pay the death benefit Proceeds on an individual Contract upon receipt at our Home Office of satisfactory proof of the Owner's or the Annuitant's death before the Maturity Date, plus written direction (from each eligible recipient of death benefit Proceeds) regarding how to pay the death benefit payment, and any other documents, forms and information we need. Once a death benefit has been paid, the Contract is terminated. If you are also the Annuitant, the death benefit Proceeds payable will be those payable on the death of the Annuitant. However, if the Contract is issued with an Owner and an Annuitant who are not the same individual, the benefit will be paid at the first death. If the Owner predeceases the Annuitant, the Cash Surrender Value of the Contract will be paid to the Beneficiary. If the Annuitant predeceases the Owner, the Guaranteed Minimum Death Benefit, as described below, will be paid to the Beneficiary.

***Calculation of the Guaranteed Minimum Death Benefit***. The Contract provides a Guaranteed Minimum Death Benefit.

We guarantee that the death benefit will be the greatest of:

&nbsp;&nbsp;&nbsp;&nbsp;• premiums paid, proportionately adjusted for any surrenders less any loan balance;

&nbsp;&nbsp;&nbsp;&nbsp;• the Contract Value less any loan balance on the date we receive due proof of Annuitant's death (including any documents we require to process and make payment); and

&nbsp;&nbsp;&nbsp;&nbsp;• the highest Contract Value as of every fifth year Contract Anniversary during any point the Contract has been in effect on or before the Annuitant's death. Any loan balance will be deducted from such Contract Value and the Contract Value
 will also be proportionately adjusted for partial surrenders plus any additional premiums paid.

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The Guaranteed Minimum Death Benefit at ages above 80 will equal the greater of the Contract Value on the date on which we receive due proof of death or the Guaranteed Minimum Death Benefit as of the Contract Anniversary on which the Annuitant attains age 80 (or premiums paid if the Contract was issued at an age above 80) proportionately adjusted for partial surrenders less any loan balance plus any additional premiums paid.

The example below demonstrates two calculations for the Base Guaranteed Minimum Death Benefit Option with a hypothetical increase in Contract Value and withdrawal amount and the second shows a hypothetical decrease in contract value and withdrawal amount. This example is hypothetical, and no annual fees are taken into account.

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| | | |
|:---|:---|:---|
| | **When Contract Value is greater than Premiums Paid** | **When Contract Value is less than Premiums Paid** |
| Total Premiums Paid | $100000 | $100000 |
| Guaranteed Minimum Death Benefit immediately before Withdrawal | $100000 | $100000 |
| Contract Value at the time of Withdrawal | $200000 | $80000 |
| Withdrawal Amount | $40000 | $40000 |
| Proportionate Adjustment for Withdrawal | ($40,000 / $200,000) x $100,000 = $20,000 | ($40,000 / $80,000) x $100,000 = $50,000 |
| Percentage Reduction in Death Benefit | 20% | 50% |
| Guaranteed Minimum Death Benefit immediately after the Withdrawal | $100,000 - $20,000 = $80,000 | $100,000 - $50,000 = $50,000 |

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***Death of Annuitant*.** If the Annuitant dies before the Maturity Date, we will pay the death benefit Proceeds under the Contract to the Beneficiary.

We will pay the Proceeds to the Beneficiary in a lump sum unless you or the Beneficiary elects a payment option. If the Annuitant is an Owner, we are required to distribute the Proceeds in accordance with the rules described below in "Death of Owner" for the death of an Owner before the Maturity Date.

No death benefit is payable if the Annuitant dies on or after the Maturity Date.

***Death of Owner*.** If an Owner dies before the Maturity Date while the Annuitant is alive, federal tax law requires (for a Non-Qualified Contract) that we distribute the Cash Surrender Value (or if an Owner is the Annuitant, the Proceeds payable upon the Annuitant's death) to the Beneficiary within five years after the date of the Owner's death. If an Owner dies on or after the Maturity Date, we must distribute any remaining payments at least as rapidly as under the payment option in effect on the date of such Owner's death.

These distribution requirements will be considered satisfied as to any portion payable to the benefit of the Beneficiary if:

&nbsp;&nbsp;&nbsp;&nbsp;• the Proceeds are distributed over the life of that Beneficiary (or a period not exceeding the Beneficiary's life expectancy);

&nbsp;&nbsp;&nbsp;&nbsp;• the distributions begin within one year of the Owner's death; and

&nbsp;&nbsp;&nbsp;&nbsp;• the Beneficiary is a natural person, not a legal entity such as a corporation or trust.

If the deceased Owner's spouse is the designated Beneficiary, the Contract may be continued with such surviving spouse as the new Owner. In this situation, if the Beneficiary wants to leave the Contract in force and the death benefit due to the Beneficiary is greater than the Contract Value; we will increase the Contract Value to equal the death benefit. We will base this increase of the Contract Value on the date we are notified of the death of the Owner. If the Contract has joint Owners, the surviving joint Owner will be the Beneficiary, unless otherwise specified in the application. Joint Owners must be husband and wife as of the Contract Date.

The Contract provides that upon your death, a surviving spouse may have certain continuation rights that he or she may elect to exercise for the Contract's death benefit. All Contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriage must be permitted under state law and that marriages recognized under state law will be recognized for federal

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

law purposes. Domestic partners and civil unions not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax advisor for more information on this subject.

Naming different persons as Owner and Annuitant can affect whether the death benefit is payable, the amount of the benefit, and who will receive it. Use care when naming Owners, Annuitants and Beneficiaries, and consult your registered representative if you have questions.

If an Owner is not an individual, the Annuitant, as determined in accordance with section 72(s) of the Code, will be treated as an Owner for purposes of these distribution requirements. Any change in or death of the Annuitant will be treated as the death of an Owner.

#### PROCEEDS ON MATURITY DATE
The Maturity Date is the latest date when Proceeds under the Contract are payable. We will apply the Contract Value (less any loan balance and any applicable premium taxes) if you elect to receive the Proceeds under a Life Payment Option, as a Non-Life Payment Option or as a Lump sum payment. You select the Maturity Date, subject to the following restrictions. The latest Maturity Date is the later of:

&nbsp;&nbsp;&nbsp;&nbsp;• the Contract Anniversary following the Annuitant's 85th birthday; or

&nbsp;&nbsp;&nbsp;&nbsp;• the tenth Contract Anniversary.

You must apply 100% of the Contract Proceeds to a payment option. You may allocate your Contract Proceeds among a lump sum payment and one Life or Non-Life Payment Option.

The earliest Maturity Date will be equal to the 10<sup>th</sup> Contract Anniversary.

Certain states limit the maximum Maturity Date.

You may change the Maturity Date subject to these limitations:

&nbsp;&nbsp;&nbsp;&nbsp;• we must receive your Written Notice at least 30 days before the current Maturity Date;

&nbsp;&nbsp;&nbsp;&nbsp;• you must request a Maturity Date that is at least 30 days after receipt of the Written Notice;

&nbsp;&nbsp;&nbsp;&nbsp;• the requested Maturity Date must not be later than any earlier Maturity Date required by law; and

&nbsp;&nbsp;&nbsp;&nbsp;• you submit your Contract if we require it.

On the Maturity Date, we will pay the maturity proceeds under the Life Income Option with a minimum guaranteed payment period of 120 months, unless you have chosen to receive the Proceeds under another payment option or in a lump sum. (See "[PAYMENT OPTIONS](#PAYMENTOPT)")

#### PAYMENTS
We will usually pay any partial surrender, full surrender, or death benefit within seven days of receipt of a Written Notice. All documents received must be in good order. This means that instructions are sufficiently clear so that we do not need to exercise any discretion to follow such instructions. We must also receive due proof of death to pay a death benefit. We may postpone payments if:

&nbsp;&nbsp;&nbsp;&nbsp;• the New York Stock Exchange is closed, other than customary weekend and holiday closings or trading on the exchange is restricted as determined by the SEC; or

&nbsp;&nbsp;&nbsp;&nbsp;• the SEC permits by an order the postponement for the protection of Owners; or

&nbsp;&nbsp;&nbsp;&nbsp;• the SEC determines that an emergency exists that would make the disposal of securities held in the Variable Account or the determination of the value of the Variable Account's net assets not reasonably practical.

In addition, if, pursuant to SEC rules, the Federated Hermes Government Money Fund II suspends payment of redemption proceeds in connection with a liquidation of the Fund, we will delay payment of any transfer, partial surrender, surrender, loan, or death benefit from the Federated Hermes Government Money Fund II Subaccount until the Fund is liquidated.

If you have made a recent premium or loan payment by check or draft, we may defer payment until such check or draft has been honored. We also reserve the right to defer payment of transfers, partial and full cash surrenders, loans or death benefit Proceeds from the Fixed Account for up to six months.

If mandated under applicable law, we may be required to block an Owner's account and thereby refuse to pay any request for transfers, surrenders, loans, annuity payments, or death benefit Proceeds until instructions are received from the appropriate regulator. We also may be required to provide additional information about you or your account to government regulators.

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***Legacy Account****.* As described below, Kansas City Life will pay death benefit Proceeds through Kansas City Life's Legacy Accounts. For each claim, which meets the criteria listed below, Kansas City Life will set up a Legacy Account. Kansas City Life will forward a Legacy Account checkbook to the Owner or Beneficiary. The individual Legacy Accounts are managed by a third party administrator and the checks are drawn on a bank separate from the Kansas City Life general account. The Legacy Accounts pay interest and provide check-writing privileges, which are funded by Kansas City Life. An Owner or Beneficiary (whichever applicable) has immediate and full access to Proceeds by writing a check on the account. Kansas City Life pays interest on death benefit Proceeds from the date of death to the date the Legacy Account is closed, and holds reserves to fund disbursements. However, the Legacy Accounts are subject to the claims of creditors of Kansas City Life. In addition, any interest credited to the Legacy Account will be currently taxable to the Owner or Beneficiary in the year in which it is credited. Kansas City Life may profit from amounts left in a Legacy Account. Further, the Legacy Accounts are retained asset accounts and are not bank accounts and are not insured, nor guaranteed, by the FDIC or any other government agency.

Kansas City Life will pay death benefit Proceeds through the Legacy Account when:

&nbsp;&nbsp;&nbsp;&nbsp;• the Proceeds are paid to an individual; and

&nbsp;&nbsp;&nbsp;&nbsp;• the amount of Proceeds is $5,000 or more; and

&nbsp;&nbsp;&nbsp;&nbsp;• the treatment is acceptable in the state in which the claim is made.

Any other use of the Legacy Account requires approval of the Company.

#### UNCLAIMED PROPERTY LAWS
Every state has unclaimed property laws which generally declare annuity contracts to be abandoned after a period of inactivity of three to five years from the contract's maturity date or date the death benefit is due and payable. For example, if we are obligated to pay the death benefit or return premiums, but, if after a thorough search, we are unable to locate the beneficiary, or the beneficiary does not come forward to claim the death benefit or the premiums in a timely manner, the death benefit or the premiums will be paid to the abandoned property division or unclaimed property office of the state in which the beneficiary or the policy owner last resided, as shown on our books and records, or to our state of domicile. This "escheatment" is revocable, however, and the state is obligated to pay the death benefit or the premiums (without interest) if your beneficiary steps forward to claim it within the time required by the state with the proper documentation. To prevent such escheatment, it is important that you update your Beneficiary designations, including addresses, if and as they change. Please call 800-616-3670 to make such changes.

#### MODIFICATIONS
We may modify the Contract, subject to providing notice to you. We may only make modification if it is necessary to:

&nbsp;&nbsp;&nbsp;&nbsp;• make the Contract or the Variable Account comply with any law or regulation issued by a governmental agency to which we are subject;

&nbsp;&nbsp;&nbsp;&nbsp;• assure continued qualification of the Contract under the Code or other federal or state laws relating to retirement annuities or variable annuity contracts (except that your consent may be required by some states);

&nbsp;&nbsp;&nbsp;&nbsp;• reflect a change in the operation of the Variable Account; or

&nbsp;&nbsp;&nbsp;&nbsp;• provide additional Variable Account and/or fixed accumulation options.

We also have the right to modify the Contract as necessary to attempt to prevent the Contract Owner from being considered the owner of the assets of the Variable Account.

In the event of any such modification, we will issue an endorsement to the Contract (if required), which will reflect the changes.

#### REPORTS TO CONTRACT OWNER
We will mail you a report containing key information about the Contract at least annually. The report will include the Contract Value and Cash Surrender Value of your Contract and any further information required by any applicable law or regulation. We will show the information in the report as of a date no more than two months prior to the date of mailing. We will send you a report at any other time during the year that you request for a reasonable charge.

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#### TELEPHONE, FACSIMILE, ELECTRONIC MAIL, AND INTERNET AUTHORIZATIONS
You may request the following transactions by telephone, facsimile, electronic mail or via the Kansas City Life website, if you provided proper authorization to us:

&nbsp;&nbsp;&nbsp;&nbsp;• transfer of Contract Value;

&nbsp;&nbsp;&nbsp;&nbsp;• change in premium allocation;

&nbsp;&nbsp;&nbsp;&nbsp;• change in dollar cost averaging;

&nbsp;&nbsp;&nbsp;&nbsp;• change in portfolio rebalancing; or

&nbsp;&nbsp;&nbsp;&nbsp;• Contract loan.

In addition, you may make a partial surrender request by telephone if you provided proper authorization to us. We may suspend these privileges at any time if we decide that such suspension is in the best interests of Owners.

We accept Written Requests transmitted by facsimile, but reserve the right to require you to send us the original Written Request.

Electronic mail requests that are received at customerservice@kclife.com before 3:00 p.m. Central Time on a Valuation Day will be processed on that Valuation Day. If we receive a request after the New York Stock Exchange closes, we will process the order using the Subaccount accumulation unit value determined at the close of the next regular business session of the New York Stock Exchange. If an incomplete request is received, we will notify you as soon as possible by return e-mail. Your request will be honored as of the Valuation Day when all required information is received.

Requests can also be made by accessing your account on the Internet at http://www.kclife.com. Requests received before 3:00 p.m. Central Time on a Valuation Day will be processed on that Valuation Day. If we receive a request after the New York Stock Exchange closes, we will process the order using the Subaccount accumulation unit value determined at the close of the next regular business session of the New York Stock Exchange. If any of the fields are left incomplete, the request will not be processed and you will receive an error message. Your request will be honored as of the Valuation Day when all required information is received. You will receive a confirmation in the mail of the changes made within five days of your request.

We will employ reasonable procedures to confirm that instructions communicated to us by telephone, facsimile, or e-mail are genuine. If we follow those procedures, we will not be liable for any losses due to unauthorized or fraudulent instructions.

The procedures we will follow for telephone privileges include requiring some form of personal identification prior to acting on instructions received by telephone, providing written confirmation of the transaction, and making a tape recording of the instructions given by telephone. The procedures we will follow for facsimile and e-mail communications include verification of Contract number, social security number and date of birth.

Telephone, facsimile, electronic mail systems and the website may not always be available. Any telephone, facsimile, electronic mail system or Internet connection, whether it is yours, your service provider's, your registered representative's, or ours, can experience outages or slowdowns for a variety of reasons. These outages may delay or prevent our processing of your request. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability under all circumstances. If you are experiencing problems, you should make your request by writing to our Home Office.

#### BENEFITS AVAILABLE UNDER THE CONTRACT

#### The following table summarizes information about the benefits available under the contract.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is Benefit Standard or Optional** | **Maximum Fee** | **Brief Description or Restrictions / Limitations** |
| Five Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit | Guarantees return of amounts invested in the Contract or minimum annual income payments provided that the conditions of the rider are satisfied | Optional | 0.10% (monthly) 1.20% (annually) of the Guaranteed Withdrawal Balance | •&nbsp;&nbsp;&nbsp;&nbsp;Covered Person must be between age 20 and 80<br>•&nbsp;&nbsp;&nbsp;&nbsp;In order to receive certain benefits, the Covered Person must attain age 65 and remain living<br>•&nbsp;&nbsp;&nbsp;&nbsp;Must invest only in Designated Subaccounts, which may reduce investment return<br>•&nbsp;&nbsp;&nbsp;&nbsp;Cannot invest in the Fixed Account<br>•&nbsp;&nbsp;&nbsp;&nbsp;Additional premiums may be limited<br>•&nbsp;&nbsp;&nbsp;&nbsp;Withdrawals that exceed specified limits in a Contract Year may reduce the value of the GMWB by &nbsp;&nbsp;&nbsp;&nbsp; more than the amount of the withdrawal or the rider may terminate |
| Death Benefit&nbsp;&nbsp;&nbsp;&nbsp; | Provides death benefit equal to the Cash Surrender Value if the Owner predeceases the Annuitant | Standard | No Charge | •&nbsp;&nbsp;&nbsp;&nbsp;Only applies if Owner and Annuitant are not the same individual |
| Base Guaranteed Minimum Death Benefit Option | Provide death benefit equal to the greater of:<br> •&nbsp;&nbsp;&nbsp;&nbsp; Premiums paid, proportionately adjusted for partial surrenders, &nbsp;&nbsp;&nbsp;&nbsp; less any loan balance;<br>• Contract Value, less any loan balance | Standard | No Charge | •&nbsp;&nbsp;&nbsp;&nbsp;Available at issue and any time after•&nbsp;&nbsp;&nbsp;&nbsp;Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal |
| Contract Loan | Allows you to borrow from the Contract using your Contract Value as collateral | Standard | 5% net loan interest (as a percentage of amounts held in the loan account) | •&nbsp;&nbsp;&nbsp;&nbsp;Only available under section 403(b) TSA Qualified Contracts, if permitted by employer's section 403(b) &nbsp;&nbsp;&nbsp;&nbsp; plan•&nbsp;&nbsp;&nbsp;&nbsp;Only one loan per Contract Year<br> •&nbsp;&nbsp;&nbsp;&nbsp;Minimum and maximum loan amounts apply•&nbsp;&nbsp;&nbsp;&nbsp;Loans may have adverse tax consequences |
| Dollar Cost Averaging Plan | Allows you to automatically transfer amounts from the Federated Hermes Government Money Fund II Subaccount to other Subaccounts on a monthly basis | Standard | No Charge | • Minimum $250 transfer amount each month•&nbsp;&nbsp;&nbsp;&nbsp;Not allowed at the same time as Portfolio Rebalancing |
| Portfolio Rebalancing Plan | Automatically redistributes the accumulated balance of each Subaccount to equal a specified percentage of the Variable Account Value on a quarterly basis | Standard | No Charge | • Not allowed at the same time as Dollar Cost Averaging |
| Systematic Partial Surrender Plan | Automatically surrenders a specified dollar amount from the Contract on a monthly, quarterly, semi-annual or annual basis | Standard | No Charge | •&nbsp;&nbsp;&nbsp;&nbsp;Minimum $100 partial surrender amount•&nbsp;&nbsp;&nbsp;&nbsp;Partial surrenders may have adverse tax consequences |

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#### OPTIONAL RIDER

#### FIVE PLUS<sup>SM</sup> GUARANTEED MINIMUM WITHDRAWAL BENEFIT

#### IMPORTANT TERMS
***Covered Person*** means: the person whose life we use to determine the duration of the Lifetime Income Amount payments. You should carefully consider who will be the Covered Person under the Five Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit (the "GMWB") rider. Under Qualified Contracts, the Covered Person must be the Owner. Under Non-Qualified Contracts, the Covered Person must be the Owner, Annuitant, or Beneficiary. Certain benefits under this rider depend on the age of the Covered Person and the relationship of the Owner to the Beneficiary. (See "[LIFETIME INCOME AMOUNT](#LIFETIMEINCOMEAMOUNT)" and "[DEATH BENEFITS](#DEATHBENEFITS)")

***Designated Subaccounts*** means: the Designated Subaccounts to which you can allocate premiums and Contract Value under this rider. The Designated Subaccounts available depend on the Rider Effective Date.

***Excess Withdrawal*** means: a withdrawal, and any subsequent withdrawals in that Contract Year, that causes total withdrawals during a Contract Year to exceed the Guaranteed Withdrawal Amount; or a withdrawal, and any subsequent withdrawals in that Contract Year, that causes total withdrawals during a Contract Year after the Lifetime Income Date to exceed the Lifetime Income Amount.

***Guaranteed Withdrawal Balance*** means: the total amount available for future periodic guaranteed withdrawals.

***Guaranteed Withdrawal Amount*** means: the amount we guarantee to be available each Contract Year for withdrawal until the Guaranteed Withdrawal Balance reduces to zero.

***Investment Strategy*** means: the currently available Designated Subaccounts to which you must allocate premiums and Contract Value for this rider to remain in effect.

***Rider Effective Date*** means: the Contract Anniversary date that the Five Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit (the "GMWB") is effective from.

***Lifetime Income Amount*** means: the amount we guarantee to be available each Contract Year for withdrawal during the life of the Covered Person while this rider is in effect. The Lifetime Income Amount reduces to zero upon the death of the Covered Person or upon a change in a Non-Qualified Contract that removes the Covered Person from the Contract as an Owner, Beneficiary, or Annuitant or upon a change in a Qualified Contract that removes the Covered Person from the Contract as an Owner.

***Lifetime Income Date*** means: the Contract Anniversary on or after the Covered Person reaches age 65, or the Rider Effective Date if the Covered Person is already age 65 or older at the time the rider is elected.

***Withdrawal*** means: the amounts partially surrendered as described in the Contract.

***Settlement Phase*** occurs: when total withdrawals during the Contract Year are equal to or less than the Guaranteed Withdrawal Amount; and when the Contract Value reduces to zero; and either the Guaranteed Withdrawal Balance or the Lifetime Income Amount immediately after the withdrawal is greater than zero.

*Note: Illustrations of how the Guaranteed Minimum Withdrawal Benefit rider works are provided in [Appendix B](#APPENDIXBGMWBRIDEREXAMPLE) to this Prospectus.*

#### DESCRIPTION OF THE GMWB RIDER
If you are concerned that poor investment performance or market volatility in the Subaccounts may adversely impact the amount of money you can withdraw from the Contract, we offer for an additional charge an optional GMWB rider. The

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GMWB provides alternative guarantees - which guarantee you receive depends on the amount of the withdrawals you take and the age of the Covered Person. First, the GMWB guarantees the return of all of the amounts you have invested in the Contract, as long as you limit your withdrawals each Contract Year to the Guaranteed Withdrawal Amount (this guarantee is available both before and after the Lifetime Income Date). Second, on and after the Lifetime Income Date, as long as you limit your annual withdrawals to the Lifetime Income Amount, the GMWB guarantees you annual payments of that amount for the rest of the Covered Person's life, no matter how long the Covered Person lives, even after you have recovered your investments in the Contract and even if your Contract Value reduces to zero. However, the maximum amount you may be able to withdraw as a Lifetime Income Amount may be less than if you continued to take withdrawals as a Guaranteed Withdrawal Amount.

#### Example:
Assume that you purchase a Contract with the GMWB when you are 55. Your initial premium payment is $100,000. You make annual withdrawals in each of the next ten years equal to the Guaranteed Withdrawal Amount, or $5,000 (5% of the initial premium payment of $100,000). Assuming 0% net investment experience and no annual bonus amounts credited during each of the ten years, after the 10th Contract Year your Contract Value will be $50,000 and your Guaranteed Withdrawal Balance will be $50,000. You are the Covered Person under the Contract and are now 65 years old. You have reached the Lifetime Income Date. If, in each Contract Year thereafter, you limited your annual withdrawals to the Lifetime Income Amount of $2,500 (5% of $50,000 on the Lifetime Income Date), you would be eligible to receive the Lifetime Income Amount of $2,500 annually for the rest of your life. However, if you continued to withdraw $5,000 annually, you would be guaranteed to receive back your entire $100,000 initial premium payment because your annual withdrawals did not exceed the Guaranteed Withdrawal Amount. You would then not be guaranteed to receive the Lifetime Income Amount annually for the rest of your life, because your annual withdrawals exceeded the Lifetime Income Amount of $2,500.

#### The GMWB does not guarantee Contract Value or the performance of any investment option.

#### IMPORTANT CONSIDERATIONS
&nbsp;&nbsp;&nbsp;&nbsp;• **If your annual withdrawals are greater than the Guaranteed Withdrawal Amount or the Lifetime Income Amount (after the Lifetime Income Date), the value of the GMWB rider may be significantly reduced.** 

&nbsp;&nbsp;&nbsp;&nbsp;• **You must allocate all premiums and Contract Value to the Investment Strategy (described below) on and after the Rider Effective Date.** 

&nbsp;&nbsp;&nbsp;&nbsp;• To maximize your potential to receive payments under the GMWB rider, you must limit your withdrawals to withdrawals that are not Excess Withdrawals each Contract Year and allocate your Contract Value according to the Investment Strategy
 options described below. These restrictions are intended to minimize the risk that your Contract Value will be reduced to zero before death, thereby requiring us to make settlement payments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accordingly, a significant risk against which the rider protects, i.e., that your Contract Value will reduce to zero (other than due to an Excess Withdrawal) while you are alive, may be minimal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Moreover, because these restrictions lessen the risk that your Contract Value will be reduced to zero while you are still alive, they also significantly reduce the risk that we will make any settlement payments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In fact, if your Contract's investment performance over time is sufficient to generate gains that can sustain periodic withdrawals equal to or greater than the Guaranteed Withdrawal Balance, then your Contract Value will never be reduced
 to zero and we will never make settlement payments.

&nbsp;&nbsp;&nbsp;&nbsp;• For certain Designated Subaccounts, risk and volatility mitigation is part of the Portfolio's investment strategy. That investment strategy could reduce your investment return.

&nbsp;&nbsp;&nbsp;&nbsp;• The GMWB rider will end on the Maturity Date unless we are making payments under the Settlement Phase of the GMWB rider.

&nbsp;&nbsp;&nbsp;&nbsp;• We do not automatically increase your Guaranteed Withdrawal Balance when your Contract appreciates in value. We will only increase your Guaranteed Withdrawal Balance if you pay an additional premium or if there is a step-up or bonus.

&nbsp;&nbsp;&nbsp;&nbsp;• Please remember that all withdrawals, including those made under the GMWB rider, reduce your Contract Value and death benefit, may result in receipt of taxable income to the Owner under federal and state law, and if made before the Owner
 attains age 59½, may be subject to a 10% penalty tax.

&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals under the GMWB rider are not annuity payments. Annuity payments generally receive more favorable tax treatment than withdrawals. (See " [FEDERAL TAX ISSUES](#FEDERALTAXISSUES) ")

&nbsp;&nbsp;&nbsp;&nbsp;• You will begin paying the GMWB rider charge as of the Rider Effective Date, even if you do not begin taking withdrawals for many years.

&nbsp;&nbsp;&nbsp;&nbsp;• If the Covered Person dies or is no longer an Owner, Beneficiary, or Annuitant of the Non-Qualified Contract or is no longer an Owner of the Qualified Contract, the Lifetime Income Amount
 reduces to zero.

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&nbsp;&nbsp;&nbsp;&nbsp;• To receive the full benefit of withdrawals for your lifetime, your Contract Value must be reduced to zero and the Annuitant must be living at that time.

&nbsp;&nbsp;&nbsp;&nbsp;• You may not make additional premium payments during the GMWB rider's Settlement Phase.

&nbsp;&nbsp;&nbsp;&nbsp;• If you choose to not take withdrawals equal to or less than the Guaranteed Withdrawal Amount during each Contract Year, the remaining Guaranteed Withdrawal Amount may not be carried forward to any other Contract Year.

&nbsp;&nbsp;&nbsp;&nbsp;• The GMWB rider may not be available in all states, and we may otherwise limit its availability.

&nbsp;&nbsp;&nbsp;&nbsp;• If the Covered Person is the Owner and the Owner dies before the Settlement Phase, the Lifetime Income Amount will reduce to zero. The benefits provided by this rider will only continue if the Beneficiary is the surviving spouse of the
 Owner, the death benefit or the Guaranteed Withdrawal Balance is greater than zero at the time the death benefit is determined, and the Beneficiary does not take the death benefit under the terms of the Contract.

&nbsp;&nbsp;&nbsp;&nbsp;• Inflation may impact the value of the GMWB rider.

&nbsp;&nbsp;&nbsp;&nbsp;• The addition of the GMWB rider to your Contract will not automatically cancel any Systematic Partial Surrender Plan you have established. Since withdrawals more than your Guaranteed Withdrawal Amount may significantly reduce or eliminate
 your ability to make withdrawals on and after the Lifetime Income Date, you should consider adjusting your existing Systematic Partial Surrender Plan.

&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals for more than your Guaranteed Withdrawal Amount may eliminate your ability to make withdrawals on or after the Lifetime Income Date and, if certain conditions are met, may increase the likelihood that your Contract could be
 terminated.

&nbsp;&nbsp;&nbsp;&nbsp;• Any amount we pay in excess of your Contract Value is subject to our financial strength and claims-paying ability.

#### You should not purchase the GMWB if:
&nbsp;&nbsp;&nbsp;&nbsp;• you expect to take annual withdrawals in excess of the Guaranteed Withdrawal Amount or the Lifetime Income Amount (after the Lifetime Income Date) because such Excess Withdrawals may significantly reduce or eliminate the value of the
 benefit;

&nbsp;&nbsp;&nbsp;&nbsp;• you are primarily interested in maximizing the Contract's potential for long-term accumulation rather than building a Guaranteed Withdrawal Balance that will provide guaranteed withdrawals;

&nbsp;&nbsp;&nbsp;&nbsp;• your Contract is a Qualified Contract that has withdrawal restrictions that prevent you from taking withdrawals; or

&nbsp;&nbsp;&nbsp;&nbsp;• you do not expect to take withdrawals.

In considering whether to purchase the GMWB rider, you must consider your desire for protection and the cost of the rider versus the possibility that had you not purchased the GMWB rider, your Contract Value may have been higher. The rider may not be appropriate for you if you plan to take Excess Withdrawals. You should consult your financial professional to discuss whether the GMWB rider suits your needs.

#### WHEN TO TAKE WITHDRAWALS
You should carefully consider when to begin taking withdrawals if you have elected the GMWB rider. If you begin taking withdrawals too soon, you may limit the value of the GMWB rider. For example, you may not be able to increase your Guaranteed Withdrawal Balance and you may lose the potential for increases though step-ups and bonuses. If you delay taking withdrawals for too long, you may limit the number of years available for you to take withdrawals in the future (due to life expectancy) and you may be paying for a benefit you are not using.

#### PURCHASING THE GMWB RIDER
You may elect the GMWB rider at the time you purchase a Contract or the rider may be added to an existing Contract provided:

&nbsp;&nbsp;&nbsp;&nbsp;• the rider is available for sale in the state where the Contract is sold;

&nbsp;&nbsp;&nbsp;&nbsp;• you limit your investment of premiums and Contract Value to the Investment Strategy options we make available with the rider;

&nbsp;&nbsp;&nbsp;&nbsp;• the Covered Person has attained age 20 and has not yet attained age 81; and

&nbsp;&nbsp;&nbsp;&nbsp;• the Contract does not have a loan balance.

We reserve the right to refuse to issue the GMWB rider at our sole discretion.

#### GUARANTEED WITHDRAWAL BALANCE
The Guaranteed Withdrawal Balance is used to calculate the Guaranteed Withdrawal Amount and Lifetime Income Amount. Your Guaranteed Withdrawal Balance is not permitted to exceed $5 million. The initial Guaranteed Withdrawal Balance is equal to your initial premium, or if the GMWB rider is added after the Contract Date, the initial Guaranteed Withdrawal

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Balance is the Contract Value on the Rider Effective Date. Each time an additional premium is paid, the Guaranteed Withdrawal Balance increases by the amount of the additional premium. The Guaranteed Withdrawal Balance may also increase as a result of a bonus or step-up and it will decrease as a result of a withdrawal. (See "[BONUS](#BONUS)," "[STEP-UPS](#STEP-UPS)," and "[Effect of Withdrawals on the Guaranteed Withdrawal Balance and the Guaranteed Withdrawal Amount](#EffectofWithdrawalsontheG)") The Guaranteed Withdrawal Balance is not a cash value or surrender value, is not available to the Owner, Annuitant or Beneficiary, is not a minimum return for any Subaccount, is not a guarantee of Contract Value, and may not be withdrawn as a lump sum.

#### GUARANTEED WITHDRAWAL AMOUNT
The Guaranteed Withdrawal Amount is the amount we guarantee to be available each Contract Year for withdrawal until the Guaranteed Withdrawal Balance reduces to zero while the GMWB rider is in effect. The maximum Guaranteed Withdrawal Amount at any time is $250,000. The initial Guaranteed Withdrawal Amount is equal to 5% of the initial Guaranteed Withdrawal Balance.

#### LIFETIME INCOME AMOUNT
The Lifetime Income Amount is the amount we guarantee to be available each Contract Year, on and after the Lifetime Income Date, for withdrawal during the life of the Covered Person while the GMWB rider is in effect. We determine the initial Lifetime Income Amount on the Lifetime Income Date. The initial Lifetime Income Amount is equal to 5% of the Guaranteed Withdrawal Balance at the time we make our determination. The Lifetime Income Amount reduces to zero upon the death of the Covered Person or upon a change on a Non-Qualified Contract that removes the Covered Person from the Contract as an Owner, Beneficiary, or Annuitant or upon a change on a Qualified Contract that removes the Covered Person from the Contract as an Owner.

***Effect of Withdrawals on the Guaranteed Withdrawal Balance and the Guaranteed Withdrawal Amount.*** If your total withdrawals during a Contract Year are less than or equal to the Guaranteed Withdrawal Amount, we will decrease the Guaranteed Withdrawal Balance by the amount of the withdrawals. If a withdrawal causes total withdrawals during a Contract Year to exceed the Guaranteed Withdrawal Amount or if total withdrawals during a Contract Year have already exceeded the Guaranteed Withdrawal Amount (referred to as "Excess Withdrawals"), we will automatically reset the Guaranteed Withdrawal Balance to equal the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;• the Contract Value immediately after the Excess Withdrawal; or

&nbsp;&nbsp;&nbsp;&nbsp;• the Guaranteed Withdrawal Balance immediately prior to the Excess Withdrawal minus the amount of the Excess Withdrawal.

Each time we reset the Guaranteed Withdrawal Balance, we also recalculate the Guaranteed Withdrawal Amount.

The Guaranteed Withdrawal Amount will equal the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;• the Guaranteed Withdrawal Amount immediately prior to the Excess Withdrawal; or

&nbsp;&nbsp;&nbsp;&nbsp;• 5% multiplied by the greater of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the Contract Value immediately after the Excess Withdrawal; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the Guaranteed Withdrawal Balance immediately after the Excess Withdrawal.

We do not recalculate your Guaranteed Withdrawal Amount when you make a withdrawal that is less than or equal to the Guaranteed Withdrawal Amount and total withdrawals during that Contract Year remain below or equal to the Guaranteed Withdrawal Amount.

***Effect of Withdrawals on the Lifetime Income Amount.*** On or after the Lifetime Income Date, we will recalculate the Lifetime Income Amount if a withdrawal causes total withdrawals during a Contract Year to exceed the Lifetime Income Amount or if total withdrawals during a Contract Year have already exceeded the Lifetime Income Amount (also referred to as "Excess Withdrawals"). The Lifetime Income Amount will be automatically reset to equal the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;• the Lifetime Income Amount immediately prior to the Excess Withdrawal; or

&nbsp;&nbsp;&nbsp;&nbsp;• 5% multiplied by the greater of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the Contract Value immediately after the Excess Withdrawal; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the Guaranteed Withdrawal Balance immediately after the Excess Withdrawal.

We do not recalculate your Lifetime Income Amount when you make a withdrawal that is less than or equal to the Lifetime Income Amount and total withdrawals during that Contract Year remain below or equal to the Lifetime Income Amount. In certain circumstances, however, we will not reset the Guaranteed Withdrawal Balance, Guaranteed Withdrawal Amount

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and/or the Lifetime Income Amount, even where a withdrawal would exceed the Guaranteed Withdrawal Amount and/or Lifetime Income Amount for a Contract Year. These involve withdrawals taken as Required Minimum Distributions. (See "[REQUIRED MINIMUM DISTRIBUTIONS](#REQUIREDMINIMUMDISTRIBUTI)")

Please note if you take any withdrawals before the Lifetime Income Date, the initial amount of the Lifetime Income Amount may be less than the Guaranteed Withdrawal Amount. Although you may continue to take withdrawals up to the Guaranteed Withdrawal Amount after the Lifetime Income Date without reduction of the Guaranteed Withdrawal Amount (as long as the Guaranteed Withdrawal Balance has not reduced to zero) your Lifetime Income Amount may be reduced if the amount you withdraw exceeds the Lifetime Income Amount. You could eventually lose any benefit based on the Lifetime Income Amount if you continue to take withdrawals in excess of the Lifetime Income Amount.

Remember:

&nbsp;&nbsp;&nbsp;&nbsp;• Excess Withdrawals could reduce your Guaranteed Withdrawal Balance by substantially more than the actual amount of the withdrawal.

&nbsp;&nbsp;&nbsp;&nbsp;• Excess Withdrawals may significantly reduce or eliminate future Guaranteed Withdrawal Amounts and Lifetime Income Amounts.

#### BONUS
We will increase the Guaranteed Withdrawal Balance at the end of each Contract Year during the GMWB rider's bonus period if you take no withdrawals during that Contract Year. The bonus period is the first 10 Contract Years after the Rider Effective Date while the Covered Person is less than age 80. Each time you qualify for a bonus:

***If the Guaranteed Withdrawal Balance was not previously stepped-up or reset,*** we will increase the Guaranteed Withdrawal Balance by:

&nbsp;&nbsp;&nbsp;&nbsp;• an amount equal to 5% of total premiums paid (subject to the applicable limits on additional premiums) to the Contract if the rider is issued on the Contract Date; or

&nbsp;&nbsp;&nbsp;&nbsp;• an amount equal to 5% of the initial Guaranteed Withdrawal Balance, increased by any premiums paid (subject to the applicable limits on additional premiums) since the Rider Effective Date, if this rider is added after the Contract Date.

***If the Guaranteed Withdrawal Balance was previously stepped-up or reset,*** we will increase the Guaranteed Withdrawal Balance by an amount equal to 5% of the sum of the Guaranteed Withdrawal Balance immediately after the latest step-up or reset, and any premiums received since such latest step-up or reset.

Each time we apply a bonus to the Guaranteed Withdrawal Balance, we will also recalculate the Guaranteed Withdrawal Amount and the Lifetime Income Amount as follows:

&nbsp;&nbsp;&nbsp;&nbsp;• The Guaranteed Withdrawal Amount will equal the greater of the Guaranteed Withdrawal Amount immediately prior to the bonus or 5% of the Guaranteed Withdrawal Balance immediately after the bonus; and

&nbsp;&nbsp;&nbsp;&nbsp;• The Lifetime Income Amount will equal the greater of the Lifetime Income Amount immediately prior to the bonus or 5% of the Guaranteed Withdrawal Balance immediately after the bonus.

**Bonuses, when applied, will increase the Guaranteed Withdrawal Balance and consequently, will increase the rider charges (because such charges are based on a greater Guaranteed Withdrawal Balance). Further, bonuses may increase the Guaranteed Withdrawal Amount and the Lifetime Income Amount. Bonuses do not increase the Contract Value of the Contract.**

#### STEP-UPS
If the Contract Value on any step-up date is greater than the Guaranteed Withdrawal Balance on that date, we will automatically increase ("step-up") the Guaranteed Withdrawal Balance to equal the Contract Value (subject to the maximum Guaranteed Withdrawal Balance limit of $5 million). Upon a step-up, we will also recalculate the Guaranteed Withdrawal Amount, the Lifetime Income Amount, and the current monthly rider charge percentage. (See "[GMWB RIDER CHARGE](#GMWBRIDERCHARGE)")

The Guaranteed Withdrawal Amount will equal the greater of:

&nbsp;&nbsp;&nbsp;&nbsp;• the Guaranteed Withdrawal Amount immediately prior to the step-up; or

&nbsp;&nbsp;&nbsp;&nbsp;• 5% multiplied by the Guaranteed Withdrawal Balance immediately after the step-up.

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The Lifetime Income Amount will equal the greater of:

&nbsp;&nbsp;&nbsp;&nbsp;• the Lifetime Income Amount immediately prior to the step-up; or

&nbsp;&nbsp;&nbsp;&nbsp;• 5% multiplied by the Guaranteed Withdrawal Balance immediately after the step-up.

We reserve the right to increase the current monthly rider charge percentage up to 0.10%. If we decide to increase the current monthly rider charge percentage at the time of a step-up, you will receive advance notice and be given the opportunity to decline the automatic step-up. (See "[GMWB RIDER CHARGE](#GMWBRIDERCHARGE)")

The step-up dates occur only while the GMWB rider is in effect. **For Contracts with a GMWB Rider with a Rider Effective Date before May 29, 2012,** the step-up dates occur on each of the 3rd, 6th, and 9th Contract Anniversaries after the Rider Effective Date. After the 9th Contract Anniversary, the step-up dates occur on each succeeding Contract Anniversary (e.g., the 10th, 11th, 12th etc.) up to and including the 30th Contract Anniversary after the Rider Effective Date. **For Contracts with a GMWB Rider with a Rider Effective Date of May 29, 2012 or after,** the step-up dates occur on each Contract Anniversary after the Rider Effective Date up to and including the 30th Contract Anniversary after the Rider Effective Date. If you decline an automatic step-up, you will have the option to elect to step-up the Guaranteed Withdrawal Balance (as well as the Guaranteed Withdrawal Amount and Lifetime Income Amount) within 30 days of subsequent step-up dates. If you decide to step-up the Guaranteed Withdrawal Balance, we will thereafter resume automatic step-ups.

Please note that the automatic step-up may be of limited benefit if you intend to make premium payments that would cause your Contract Value to approach $5 million, since the Guaranteed Withdrawal Balance is not permitted to exceed $5 million.

#### Step-ups will increase the Guaranteed Withdrawal Balance and may increase the Guaranteed Withdrawal Amount and the Lifetime Income Amount.

#### ADDITIONAL PREMIUMS
We will increase the total Guaranteed Withdrawal Balance by the amount of each additional premium we accept (subject to the maximum Guaranteed Withdrawal Balance limit of $5 million). In addition, we will recalculate the Guaranteed Withdrawal Amount and the Lifetime Income Amount:

In the case of the Guaranteed Withdrawal Amount, to equal the greater of the:

&nbsp;&nbsp;&nbsp;&nbsp;• Guaranteed Withdrawal Amount immediately prior to the premium; or

&nbsp;&nbsp;&nbsp;&nbsp;• the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 5% of the Guaranteed Withdrawal Balance immediately after the premium; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the Guaranteed Withdrawal Amount immediately prior to the premium plus an amount equal to 5% of the premium.

In the case of the Lifetime Income Amount, to equal the greater of the:

&nbsp;&nbsp;&nbsp;&nbsp;• Lifetime Income Amount immediately prior to the premium; or

&nbsp;&nbsp;&nbsp;&nbsp;• the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 5% of the Guaranteed Withdrawal Balance immediately after the premium; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the Lifetime Income Amount immediately prior to the premium plus an amount equal to 5% of the premium.

We do not permit additional premiums during a GMWB rider's "Settlement Phase," as described below.

***Premium limits on Non-Qualified Contracts.*** If we issue your Contract not in connection with an IRA or other tax-qualified retirement plan, we also impose the following limit on your ability to pay premiums. On or after the first Contract Anniversary following the Rider Effective Date, we will not accept any additional premium without our prior approval that either:

&nbsp;&nbsp;&nbsp;&nbsp;• exceeds $100,000; or

&nbsp;&nbsp;&nbsp;&nbsp;• causes the total of all additional premiums paid since the first Contract Anniversary following the Rider Effective Date to exceed $100,000.

For Non-Qualified Contracts, we reserve the right to refuse to accept additional premiums at any time after the first Contract Anniversary following the Rider Effective Date.

***Premium limits on Qualified Contracts.*** If we issue your Contract in connection with a tax-qualified retirement plan, including an IRA, we also impose additional limits on your ability to make premium payments:

&nbsp;&nbsp;&nbsp;&nbsp;• after the first Contract Anniversary after the Covered Person reaches age 65, we will not accept additional premium payments, without our prior approval, that exceed $100,000 or cause the total premiums paid after the first Contract
 Anniversary following the Rider Effective Date to exceed $100,000; and

&nbsp;&nbsp;&nbsp;&nbsp;• we will not accept any premium after the Covered Person becomes age 81.

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For Qualified Contracts, we reserve the right to refuse to accept additional premiums at any time after the first Contract Anniversary after the Covered Person reaches age 65.

You should consult with a qualified tax adviser prior to electing the GMWB rider for further information on tax rules affecting Qualified Contracts, including IRAs.

Please note that the premium limitations discussed in this section are in addition to the premium limitations discussed under "Purchasing a Contract" earlier in the Prospectus.

#### INVESTMENT STRATEGY
The Investment Strategy includes the Designated Subaccounts. If you elect the GMWB rider, you must allocate your Contract Value to one or more of the Designated Subaccounts available to you. As discussed below, the Designated Subaccounts that are available to you will vary based on your GMWB rider effective date. (See "[AVAILABLE DESIGNATED SUBACCOUNTS](#AVAILABLEDESIGNATEDSUBACC)") You must choose one of these available Designated Subaccounts and your initial premium payment (in the case of a new application) or Contract Value, as applicable, will be allocated to the Designated Subaccounts you select. Subsequent premium payments will also be allocated accordingly. Contract Value will be rebalanced quarterly to maintain the current allocations. We selected the Designated Subaccounts to minimize the risk that your Contract Value will be reduced to zero because of guaranteed withdrawals before the Annuitant's death, thereby requiring Kansas City Life to make settlement payments to you during the Settlement Phase.

This rider will remain in effect only if your premium payments and Contract Value are allocated at all times to one or more of the currently available Designated Subaccounts in accordance with the requirements of this rider. Solely for the purposes of the Dollar Cost Averaging Plan, under our current administrative procedures, we deem the Federated Hermes Government Money Fund II Subaccount to be a Designated Subaccount. (See "[AVAILABLE DESIGNATED SUBACCOUNTS](#AVAILABLEDESIGNATEDSUBACC)")

Unless you request otherwise, withdrawals will be taken in proportion to the Contract Value in the Subaccounts; you may specify the Subaccounts from which a withdrawal is to be made.

***You should consult with your financial professional to assist you in determining which Designated Subaccount available with the GMWB rider is best suited for your financial needs and risk tolerance.***

#### AVAILABLE DESIGNATED SUBACCOUNTS
You must allocate your entire Contract Value to one or more of the Designated Subaccounts that are available to you. Solely for the purposes of the Dollar Cost Averaging Plan, under our current administrative procedures, we deem the Federated Hermes Government Money Fund II Subaccount to be a Designated Subaccount. On a quarterly basis, we will rebalance your entire Contract Value to the Subaccounts in accordance with the percentages specified in the Designated Subaccounts you elected.

Under our Dollar Cost Averaging Plan, you may elect to allocate your premiums and Contract Value over time to one or more of the Designated Subaccounts that you have selected. If you elect the Dollar Cost Averaging Plan and you have elected the GMWB rider, transfers will occur on a monthly basis for a period you choose, ranging from 3 to 12 months.

We offer Designated Subaccounts with different risk profiles. You need to determine which Designated Subaccounts are best for you. You should consult with your financial adviser on this decision. Your financial adviser can help you determine which Designated Subaccounts are best suited to your financial needs, investment time horizon, and willingness to accept investment risk. You should periodically review these factors with your financial adviser to determine if you should change Designated Subaccounts to keep up with changes in your personal circumstances. Your financial adviser can assist you in completing the proper forms to make a change to the Designated Subaccounts you have elected. You should not regard the Designated Subaccounts as investment advice. Kansas City Life bears no responsibility for your decision to select or change Designated Subaccounts.

#### For Contracts with a GMWB Rider with a Rider Effective Date before May 29, 2012
You may allocate your premiums and Contract Value among any of the Designated Subaccounts. Allocation percentages must be whole percentages only and the total of allocation percentages in the Designated Subaccounts must equal 100%.

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The available Designated Subaccounts are:

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk Asset Allocation Fund – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk Washington Mutual Investors Fund<sup>SM</sup> – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk Growth Fund – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk Growth-Income Fund – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk International Fund – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• Fidelity<sup>®</sup> VIP Freedom 2010 Portfolio<sup>SM</sup> – Service Class 2

&nbsp;&nbsp;&nbsp;&nbsp;• Fidelity<sup>®</sup> VIP Freedom 2015 Portfolio<sup>SM</sup> – Service Class 2

&nbsp;&nbsp;&nbsp;&nbsp;• Fidelity<sup>®</sup> VIP Freedom 2020 Portfolio<sup>SM</sup> – Service Class 2

&nbsp;&nbsp;&nbsp;&nbsp;• Fidelity<sup>®</sup> VIP Freedom Income Portfolio<sup>SM</sup> – Service Class 2

&nbsp;&nbsp;&nbsp;&nbsp;• TOPS<sup>®</sup>Managed Risk Balanced ETF Portfolio – Class 2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• TOPS<sup>®</sup>Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• TOPS<sup>®</sup>Managed Risk Growth ETF Portfolio – Class 2 Shares

#### For Contracts with a GMWB Rider with a Rider Effective Date of May 29, 2012 or after
You may allocate your premiums and Contract Value among any of the Designated Subaccounts. Allocation percentages must be whole percentages only and the total of allocation percentages in the Designated Subaccounts must equal 100%.

The available Designated Subaccounts are:

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk Asset Allocation Fund – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk Washington Mutual Investors Fund<sup>SM</sup> – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk Growth Fund – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk Growth-Income Fund – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• American Funds Insurance Series<sup>®</sup> Managed Risk International Fund – Class P2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• TOPS<sup>®</sup>Managed Risk Balanced ETF Portfolio – Class 2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• TOPS<sup>®</sup>Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares

&nbsp;&nbsp;&nbsp;&nbsp;• TOPS<sup>®</sup>Managed Risk Growth ETF Portfolio – Class 2 Shares

We periodically evaluate the Designated Subaccounts, and may add, remove, or substitute the Designated Subaccounts that are available to you.

We will notify you at least 30 days in advance of any substitution, removal, or change to a Designated Subaccount that you have selected. You should carefully review these notices. If a Designated Subaccount to which you have allocated some or all of your Contract Value is no longer available under the GMWB rider, you must transfer that Contract Value to a Designated Subaccount that is currently available in order to keep the rider in effect. If you do not wish to make such transfer, you may terminate the GMWB rider.

**For more information regarding each Portfolio that we permit you to invest in through a Designated Subaccount, including information relating to that Fund's investment objectives, policies and restrictions, and the risks of investing in that Fund, please see the "[Kansas City Life, the Variable Account and the Funds](#KANSASCITYLIFETHEVARIABLE)" section of this Prospectus as well as the Fund's prospectus. You can obtain a Prospectus containing more complete information on each of the Funds by contacting Variable Administration at 1-800-616-3670. You should read the Fund's prospectus carefully before investing.**

You may transfer your Contract Value among the Designated Subaccounts that are available to you, at any time, by Written Request. Any change will be effective on the date we receive your Written Request. You may not make transfers between the Designated Subaccounts and the Fixed Account. We will waive the restrictions defined in "[Transfer Privilege](#TRANSFERPRIVILEGE)" if the applicable transfer is required under the terms of the GMWB rider.

A Designated Subaccount may not perform as intended. Investment performance of your Contract Value could be better or worse than expected. One purpose of requiring you to invest in a Designated Subaccount is to limit Kansas City Life's exposure under the GMWB rider. This is done by ensuring that your Contract Value is diversified and not concentrated in the riskiest Subaccounts. You should not purchase the GMWB rider if you wish to allocate your Contract Value in a non-diversified or highly aggressive manner.

The timing of your investment and the frequency of automatic rebalancing may affect performance. Your Contract Value will fluctuate, and when redeemed, may be worth more or less than the original cost.

***If you elect to purchase the GMWB rider you may invest your Contract Value only in the Designated Subaccounts we make available with this benefit.***

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#### REQUIRED MINIMUM DISTRIBUTIONS
For purposes of the GMWB rider, withdrawals considered Required Minimum Distributions are distributions within a calendar year that are intended to be paid to you as required by section 401(a)(9), section 403(b)(10), section 408(b)(3), or section 408A(c) of the Code.

Under our Required Minimum Distributions program, each withdrawal will be in an amount that we determine to be your Required Minimum Distribution under your Contract, considering only that Contract. Our calculation will be based on information that you provide and our understanding of the Code. We reserve the right to make any changes we deem necessary to comply with the Code and Treasury Regulations.

#### You should discuss these matters with your tax adviser prior to electing the GMWB rider.
Each withdrawal under our Required Minimum Distributions program will reduce your Contract Value and your Guaranteed Withdrawal Balance. We will not, however, reset your Guaranteed Withdrawal Balance, Guaranteed Withdrawal Amount or Lifetime Income Amount if a withdrawal under our Required Minimum Distributions program (based on our current understanding and interpretation of the tax law) causes total withdrawals during a Contract Year to exceed the Guaranteed Withdrawal Amount or Lifetime Income Amount, as applicable.

**We will not make any further withdrawals under our Required Minimum Distributions program if both the Contract Value and the Guaranteed Withdrawal Balance reduce to zero. We will make distributions as part of the GMWB rider's Settlement Phase, however, if the Lifetime Income Amount is greater than zero and the Covered Person is living at that time.**

**Required Minimum Distributions provide minimum lifetime distributions as described or as required under certain sections of the Code. Withdrawals under our Required Minimum Distributions program will not be treated as Excess Withdrawals and will not reset the Guaranteed Withdrawal Balance, Guaranteed Withdrawal Amount or Lifetime Income Amount.**

#### SETTLEMENT PHASE
We automatically make settlement payments during the GMWB rider's Settlement Phase. The Settlement Phase begins if total withdrawals during the Contract Year:

&nbsp;&nbsp;&nbsp;&nbsp;• are equal to or less than the Guaranteed Withdrawal Amount; and

&nbsp;&nbsp;&nbsp;&nbsp;• the Contract Value reduces to zero and either the Guaranteed Withdrawal Balance or the Lifetime Income Amount immediately after the withdrawal is still greater than zero.

During this phase, the Contract will continue but all other rights and benefits under the Contract, including death benefits and any additional riders, terminate. We will not accept additional premiums and we will not deduct any charge for the GMWB rider during the Settlement Phase.

At the beginning of the Settlement Phase, you generally may choose an annual settlement payment amount that we will automatically pay to you. The settlement payment amount we permit you to choose varies:

&nbsp;&nbsp;&nbsp;&nbsp;• You may choose an amount that is equal to, or no greater than, the Guaranteed Withdrawal Amount if the Guaranteed Withdrawal Balance is greater than zero at the beginning of the Settlement Phase. We reduce any remaining Guaranteed
 Withdrawal Balance each time we make a settlement payment, and automatically pay the settlement amount to you each Contract Year while the Covered Person is alive until the Guaranteed Withdrawal Balance reduces to zero. After that, we will
 make settlement payments to you each Contract Year during the Covered Person's lifetime in an amount that is equal to any remaining Lifetime Income Amount. Keep in mind that in certain circumstances the Lifetime Income Amount may be less
 than the Guaranteed Withdrawal Amount, and under those circumstances your choice of an amount in excess of the Lifetime Income Amount could result in a reduction of the Lifetime Income Amount. (See " [EFFECT OF WITHDRAWALS ON THE LIFETIME INCOME AMOUNT](#EffectofWithdrawalsontheL) ")

&nbsp;&nbsp;&nbsp;&nbsp;• You may choose to continue to receive distribution payments under the Required Minimum Distribution program if the program is in effect and the Guaranteed Withdrawal Balance is greater
 than zero at the beginning of the Settlement Phase. If you do, we will reduce any remaining Guaranteed Withdrawal Balance each time we make a distribution payment and automatically make distribution payments each Contract Year while the
 Covered Person is alive until the Guaranteed Withdrawal Balance reduces to zero. (See " [REQUIRED MINIMUM DISTRIBUTIONS](#REQUIREDMINIMUMDISTRIBUTI) ") After that, we will make settlement payments to you each Contract Year during
 the Covered Person's lifetime in an amount that is equal to any remaining Lifetime Income Amount.

&nbsp;&nbsp;&nbsp;&nbsp;• We will make annual settlement payments to you each Contract Year during the Covered Person's lifetime in an amount that is equal to the Lifetime Income Amount if there is no remaining
 Guaranteed Withdrawal Balance at the beginning of the Settlement Phase.

&nbsp;&nbsp;&nbsp;&nbsp;• After the Lifetime Income Date, if you choose to receive a settlement payment that is in excess of the Lifetime Income Amount, we will recalculate the Lifetime Income Amount in the same manner as a withdrawal that exceeds the Lifetime
 Income Amount. (See " [EFFECT OF WITHDRAWALS ON THE LIFETIME INCOME AMOUNT](#EffectofWithdrawalsontheL) ") We do not recalculate the Lifetime Income Amount, however, if you receive distribution payments under the Required Minimum
 Distribution program.

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Any withdrawal you make under the GMWB rider before the Settlement Phase is a withdrawal from your Contract Value. We are only required to start using our own money to make payments when the GMWB rider Settlement Phase begins.

Withdrawals under the GMWB rider are not annuity payouts. Annuity payouts generally receive a more favorable tax treatment than other withdrawals.

#### DEATH BENEFITS

#### Death benefits before the Settlement Phase
If you die while the GMWB rider is in effect but before the Settlement Phase, the GMWB rider generally will terminate. This means Kansas City Life will make no more payments under this rider.

However, if (i) you die while the GMWB rider is in effect but before the Settlement Phase, (ii) the sole Beneficiary is your surviving spouse, and (iii) your surviving spouse does not elect to take the death benefit under the terms of the Contract, the following will apply:

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| | |
|:---|:---|
| **If:** | **Then the GMWB rider:** |
| the Covered Person is no longer alive | • Does not continue with respect to the Lifetime Income Amount, but continues with respect to the Guaranteed Withdrawal Amount if the death benefit or the Guaranteed Withdrawal Balance is greater than zero. We will automatically step-up the Guaranteed Withdrawal Balance to equal the death benefit on the date it is determined, if the death benefit on that date is greater than the Guaranteed Withdrawal Balance.<br> • Enters the Settlement Phase if a withdrawal would reduce the Contract Value to zero, and the Guaranteed Withdrawal Balance is still greater than zero.<br> • Continues to impose the GMWB rider charge.<br> • Continues to be eligible for any remaining bonuses and step-ups. We will permit the spouse to opt out of the initial death benefit step-up, if any, and any future step-ups if we would increase the rate of the GMWB rider charge at that time. |
| the Covered Person is alive<br> (e.g. if the Beneficiary is the Covered Person) | • Continues with respect to the Lifetime Income Amount for the Beneficiary. If the Lifetime Income Amount has not been determined prior to the payment of the death benefit, we will determine the initial Lifetime Income Amount on the first Contract Anniversary after the Covered Person has reached age 65.<br> • Continues with respect to the Guaranteed Withdrawal Amount if the death benefit or the Guaranteed Withdrawal Balance is greater than zero. We will automatically step-up the Guaranteed Withdrawal Balance to equal the death benefit on the date it is determined, if the death benefit on that date is greater than the Guaranteed Withdrawal Balance.<br> • Enters the Settlement Phase if a withdrawal would reduce the Contract Value to zero, and either the Lifetime Income Amount or the Guaranteed Withdrawal Balance is still greater than zero.<br> • Continues to impose the GMWB rider charge.<br> • Continues to be eligible for any remaining bonuses and step-ups. We will permit the spouse to opt out of the initial death benefit step-up, if any, and any future step-ups if we would increase the rate of the GMWB rider charge at that time. |

---

Note that under Qualified Contracts other than IRAs, spousal continuation will not satisfy Required Minimum Distributions requirements. Consult a tax adviser.

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#### Death benefit during the Settlement Phase
If the Covered Person dies during the Settlement Phase, no death benefit under the Contract will be payable. The only death benefit we provide are the remaining settlement payments that may become due under the GMWB rider. Those payments will be made at least as rapidly as they were being paid before the death of the Covered Person. Additional restrictions may apply to Qualified Contracts in order to satisfy Required Minimum Distributions.

#### TERMINATION
Although the GMWB rider provides that you may not terminate the rider for five years from the Rider Effective Date, we are currently waiving this provision. Therefore, you may currently terminate your GMWB rider at any time.

In addition, there are circumstances under which your GMWB rider will terminate automatically. The GMWB rider will terminate upon the earliest of:

&nbsp;&nbsp;&nbsp;&nbsp;• the date the Contract terminates for any reason; or

&nbsp;&nbsp;&nbsp;&nbsp;• **the date this rider is cancelled by you; or** 

&nbsp;&nbsp;&nbsp;&nbsp;• the date a death benefit is payable upon the death of any Owner, unless the surviving spouse is the sole Beneficiary; or

&nbsp;&nbsp;&nbsp;&nbsp;• the date a death benefit is payable upon the death of the Owner and the Beneficiary takes the death benefit under the terms of the Contract; or

&nbsp;&nbsp;&nbsp;&nbsp;• the date a death benefit is payable upon the death of the Annuitant who is not the Owner; or

&nbsp;&nbsp;&nbsp;&nbsp;• the date an annuity option under the Contract begins; or

&nbsp;&nbsp;&nbsp;&nbsp;• the date the Contract Value, the Guaranteed Withdrawal Balance, and the Lifetime Income Amount all equal zero; or

&nbsp;&nbsp;&nbsp;&nbsp;• the date you change the allocation of a subsequent premium payment or transfer Contract Value to an investment option other than to an Investment Strategy option.

Upon termination of the GMWB rider, your Guaranteed Withdrawal Balance will decline to zero, and we will not refund any GMWB rider charge that you previously paid. (See "[GMWB RIDER CHARGE](#GMWBRIDERCHARGE)") Before cancelling the GMWB rider or taking any other action that would cause the rider to terminate, such as allocating Contract Value to an investment option other than an Investment Strategy option, you should carefully consider your current and future need for the benefits provided by the rider.

#### GMWB RIDER CHARGE
We charge an additional monthly charge on the Monthly Anniversary Day for the GMWB rider. The current GMWB rider charge is equal to 0.079% (0.95% annually) multiplied by the Guaranteed Withdrawal Balance. However, if you elected the GMWB rider before January 1, 2009 and your GWB has not stepped-up since January 1, 2009, the current charge for your GMWB rider is 0.05% (0.60% annually) multiplied by the Guaranteed Minimum Withdrawal Balance. We deduct the rider charge from each Subaccount in the same proportion that the value of each Subaccount is to the Contract Value. We do not deduct the rider charge during the GMWB rider's Settlement Phase.

**We reserve the right to increase the current monthly rider charge percentage on the effective date of each step-up. However, the current monthly rider charge percentage will never exceed 0.10% (1.20% annually).**

**The addition of the GMWB rider to a Contract may not always be in your interest since an additional charge is deducted monthly for this benefit and the Covered Person must attain age 65 and remain living for you to receive certain benefits. Furthermore, the GMWB rider limits the investment options otherwise available under the Contract, contains age caps and limitations on an Owner's rights and benefits at certain ages and values, and provides no guaranteed withdrawal benefits once payments begin under any of the payment options described in this Prospectus. You should carefully consider each of these factors before deciding if the GMWB rider is suitable for your needs, especially at older ages.**

#### FEDERAL TAX ISSUES
The application of certain tax rules to the GMWB rider, particularly those rules relating to distributions from your Contract, are not entirely clear. In this regard, we intend to treat any amounts received by you under the GMWB rider during the Settlement Phase as annuity payments for tax purposes. However, we intend to treat the payments made to you prior to the Settlement Phase or to our establishing an annuity date, as withdrawals for tax purposes. (See "[FEDERAL TAX STATUS](#FEDERALTAXSTATUS)"). In view of this uncertainty, you should consult a tax adviser before purchasing a GMWB rider.

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The value of the GMWB rider may need to be included in calculating Required Minimum Distributions under Qualified Contracts. Consult a tax adviser.

#### THE FIXED ACCOUNT
You may allocate some or all of the premiums and transfer some of the Variable Account Value to the Fixed Account. The percentage of funds allowed in the Fixed Account may not exceed 15% of the total Contract Value at any time. If a transfer to the Fixed Account causes the value to exceed 15% of the total Contract Value, we have the option to transfer the excess amount to the Federated Hermes Government Money Fund II Subaccount. This transfer will not be charged a Transfer Processing Fee and will not be counted against your total number of free transfers. You may also make transfers from the Fixed Account, but restrictions may apply. (See "[TRANSFERS FROM FIXED ACCOUNT](#TRANSFERSFROMFIXEDACCOUNT_0)") The Fixed Account is part of our general account and pays interest at declared rates guaranteed for each calendar year. We guarantee the amount of premiums paid plus guaranteed interest and less applicable deductions. Information regarding the features of the Fixed Account investment option, including its term and minimum guaranteed interest, is available in Appendix A to this prospectus. See [Appendix A - Investment Options Available Under The Contract](#APPENDIXAPORTFOLIOCOMPANI).

Our general account supports our insurance and annuity obligations. Since the Fixed Account is part of our general account, we assume the risk of investment gain or loss on this amount. All assets in the general account are subject to our general liabilities from business operations.

The Fixed Account is not registered under the Securities Act of 1933 and is not registered as an investment company under the Investment Company Act of 1940. Certain general provisions of the Federal securities laws relating to the accuracy and completeness of statements made in prospectuses still apply.

#### GUARANTEED AND CURRENT INTEREST RATES
There are two interest rates that are applicable to the Fixed Account – the guaranteed interest rate and the current interest rate. The actual rate credited to the Fixed Account Value is the greater of the guaranteed interest rate and the current interest rate.

**Guaranteed interest rate for Contracts issued on or after May 31, 2011, if approved in your state.** The guaranteed interest rate is the minimum interest rate that we will credit to the Fixed Account Value. We guarantee that this rate will be at least 1% but not more than 3% per year.

We determine the guaranteed interest rate on your Contract Date and on each Redetermination Date thereafter which occurs on your first Contract Anniversary and each subsequent Contract Anniversary. The guaranteed interest rate will be in effect from the Contract Date until the first Redetermination Date, and thereafter, from each Redetermination Date until the next Redetermination Date.

The redetermined guaranteed interest rate for the Fixed Account is based on the 5-year Constant Treasury Maturity monthly average rate for November of the previous calendar year published by the Federal Reserve (the "Treasury Rate"). The redetermined guaranteed interest rate for the Fixed Account will be calculated as the Treasury Rate rounded to the nearest five-hundredths of one percent (0.05%) reduced by 1.25%, and will be at least 1% and not more than 3% annually. We will notify you when your guaranteed interest rate is redetermined.

**Guaranteed interest rate for Contracts issued before May 31, 2011 and for Contracts issued on and after May 31, 2011 where the guaranteed interest rate described above has not been approved by your state.** The guaranteed interest rate is the minimum interest rate that we will credit to the Fixed Account Value. The guaranteed interest rate is 3% per year.

**Current Interest Rate.** We may credit a current interest rate in excess of the guaranteed interest rate. Current interest rates are influenced by, but do not necessarily correspond to, prevailing market interest rates. We will determine current interest rates at our discretion. You assume the risk that the interest rate we credit may not exceed the guaranteed interest rate. Since we anticipate changing the current interest rate from time to time, we may credit different allocations with different current interest rates, based upon the date amounts are allocated to the Fixed Account. We will not change the current interest rate credited to funds in the Fixed Account more often than once each year.

For the purpose of crediting interest, we currently account for amounts deducted from the Fixed Account on a last-in, first out ("LIFO") basis. We may change the method of crediting interest from time to time, provided that such changes do not have the effect of reducing the guaranteed rate of interest. We may also shorten the period for which the interest rate applies to less than a year (except for the year in which such amount is received or transferred). Contact your registered representative or the Home Office for current interest information.

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#### CALCULATION OF FIXED ACCOUNT VALUE
On the Contract Date, the Fixed Account Value is equal to the portion of the premium allocated to the Fixed Account.

On each Valuation Day thereafter, the Fixed Account Value is equal to:

&nbsp;&nbsp;&nbsp;&nbsp;• Fixed Account Value on the preceding Valuation day; plus

&nbsp;&nbsp;&nbsp;&nbsp;• amounts allocated or transferred to the Fixed Account; plus

&nbsp;&nbsp;&nbsp;&nbsp;• interest credited; less

&nbsp;&nbsp;&nbsp;&nbsp;• amounts deducted, transferred, or surrendered from the Fixed Account since the preceding Valuation Day, including any interest.

#### TRANSFERS FROM FIXED ACCOUNT
Currently we do not impose a limit on the number of transfers from the Fixed Account or the dollar amount that can be transferred from the Fixed Account (unless the balance after the transfer is less than $250, in which case we will transfer the entire amount.) The first six transfers during the Contract Year are free. We will charge a $25 transfer processing fee for all transfers during the Contract Year in addition to the six free ones.

#### DELAY OF PAYMENT
We have the right to defer payment of any surrender, partial surrender, or transfer from the Fixed Account for up to six months from the date we receive Written Notice for a partial surrender, full surrender, or transfer. If we do not make the payment within 30 days after we receive the documentation required to complete the transaction, we will add 3% interest to the amount paid from the date we receive documentation. Some states may require that we pay interest on periods of delay less than 30 days and some states may require us to pay an interest rate higher than 3% when we delay payment Proceeds.

#### PAYMENT OPTIONS
The Contract offers a variety of ways, in addition to a lump sum, for you to receive Proceeds payable under the Contract. Payment options are available for use with various types of Proceeds, such as surrender, death or maturity. We summarize these payment options below. All of these options are forms of fixed-benefit annuities which do not vary with the investment performance of a separate account.

The Contract ends on the Maturity Date (See "[DESCRIPTION OF THE CONTRACT - PROCEEDS ON MATURITY DATE](#PROCEEDSONMATURITYDATE)") and we will pay the Proceeds to the payee under the payment option selected. If you have not filed an election of a payment option with us on the Maturity Date, we will pay the Contract Proceeds as a life annuity with payments guaranteed for ten years.

You may also apply Contract Proceeds under a payment option prior to the Maturity Date. The Beneficiary may also apply a death benefit (upon the Annuitant's death) under a payment option.

You must apply 100% of the Contract Proceeds to a payment option. You may allocate your Contract Proceeds among a lump sum payment and one Life or Non-Life Payment Option.

Naming different persons as Owner and Annuitant can affect when the death benefit is payable, the amount of the benefit, and who will receive it. Use care when naming Owners, Annuitants and Beneficiaries, and consult your registered representative if you have questions.

We will deduct any premium tax applicable from Proceeds at the time payments start. In order for us to pay Proceeds under a payment option or a lump sum, the Contract must be surrendered.

We describe the payment options available below. The term "payee" means a person who is entitled to receive payment under that option.

If we have options or rates available on a more favorable basis than those guaranteed at the time a payment option is elected, the more favorable benefits will apply.

Annuity payments may be less than withdrawal amounts guaranteed under the GMWB rider, and the GMWB rider may not be suitable for Contract Owners who plan to annuitize.

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#### ELECTION OF OPTIONS
You may elect, revoke or change an option at any time before the Maturity Date while the Annuitant is living. If the payee is not the Owner, we must provide our consent for the election of a payment option. If an election is not in effect at the Annuitant's death or if payment is to be made in one sum under an existing election, the Beneficiary may elect one of the options after the Annuitant's death.

An election of a payment option and any revocation or change must be made by Written Notice. Proceeds of at least $2,000 are required for all payment options. If Proceeds are insufficient for a payment option, the Proceeds will be paid in a lump sum. You may not elect an option if any periodic payment under the election would be less than $50. We may make payments less frequently so that each payment is at least $50. Subject to this condition, we will make payments annually or monthly at the end of such period.

#### DESCRIPTION OF OPTIONS
***Option 1: Interest Payments.*** We will make guaranteed interest payments to the payee annually or monthly as elected. We will pay interest on the Proceeds at the guaranteed rate per year. We may pay additional interest annually. The Proceeds and any unpaid interest may be withdrawn in full at any time.

***Option 2: Installments of a Specified Amount.*** We will make annual or monthly payments until the Proceeds plus interest are fully paid. We will pay interest on the Proceeds at the guaranteed rate per year. We may pay additional interest.

***Option 3: Installments for a Specified Period.*** We will pay the Proceeds in equal annual or monthly payments for a specified number of years. We will pay interest on the Proceeds at the guaranteed rate per year. We may also pay additional interest. If no minimum guaranteed payment period is chosen, it is possible for an Annuitant who dies after the first payment to receive only one annuity payment.

***Option 4: Life Income***. We will pay an income during the payee's lifetime. A minimum guaranteed payment period may be chosen. Another form of minimum guaranteed payment period is the installment refund option under which we will make payments until the total income payments received equal the Proceeds applied.

***Option 5: Joint and Survivor Income***. We will pay an income during the lifetime of two persons and will continue to pay an income as long as either person is living. The minimum guaranteed payment period is ten years.

***Choice of Options***: You may choose an option by Written Notice during the Annuitant's lifetime. If an option for payment of Proceeds is not in effect at the Annuitant's death, the Beneficiary may make a choice.

If you have a Qualified Contract, not all options will satisfy Required Minimum Distribution requirements, particularly as those rules apply to your designated beneficiary after your death. For deaths occurring on or after January 1, 2020, subject to certain exceptions, most non-spouse beneficiaries must now complete their distributions within ten years of the death in order to satisfy required minimum distribution rules. Consult a tax advisor before electing an annuity income option under a Qualified Contract. If you elect Options 2 or 3 and withdraw the unpaid installments, our obligation under the payment option will end.

#### FEDERAL TAX STATUS

#### INTRODUCTION
The following discussion is general in nature and is not intended as tax advice. Each person concerned should consult a competent tax adviser. No attempt is made to consider any applicable state or other income tax laws, any state and local estate or inheritance tax, or other tax consequences of ownership or receipt of distributions under a Contract.

When you invest in an annuity contract, you usually do not pay taxes on your investment gains until you withdraw the money-generally for retirement purposes. If you invest in a variable annuity as part of a pension plan or employer-sponsored retirement program, your Contract is called a Qualified Contract. If your annuity is independent of any formal retirement or pension plan, it is termed a Non-Qualified Contract. The tax rules applicable to Qualified Contracts vary according to the type of retirement plan and the terms and conditions of the plan.

#### TAXATION OF NON-QUALIFIED CONTRACTS
***Non-Natural Person***. If a non-natural person (e.g., a corporation or a trust) owns a Non-Qualified Contract, the taxpayer generally must include in income any annual increases in the Contract Value. There are some exceptions to this rule and a prospective Owner that is not a natural person should discuss these with a tax adviser.

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The following discussion generally applies to Contracts owned by natural persons.

***Withdrawals.*** When a withdrawal from a Non-Qualified Contract occurs, the amount received will be treated as ordinary income subject to tax up to an amount equal to the excess (if any) of the Contract Value immediately before the distribution over the Owner's investment in the Contract (generally, the premiums or other consideration paid for the Contract, reduced by any amount previously distributed from the Contract that was not subject to tax) at that time. In the case of a surrender under a Non-Qualified Contract, the amount received generally will be taxable only to the extent it exceeds the Owner's investment in the Contract.

***Penalty Tax on Certain Withdrawals.*** In the case of a distribution from a Non-Qualified Contract, there may be imposed a federal tax penalty equal to 10% of the amount treated as income. In general, however, there is no penalty on distributions:

&nbsp;&nbsp;&nbsp;&nbsp;• made on or after the taxpayer reaches age 59½;

&nbsp;&nbsp;&nbsp;&nbsp;• made on or after the death of an Owner;

&nbsp;&nbsp;&nbsp;&nbsp;• attributable to the taxpayer's becoming disabled; or

&nbsp;&nbsp;&nbsp;&nbsp;• made as part of a series of substantially equal periodic payments for the life (or life expectancy) of the taxpayer or the joint lives (or joint life expectancies) of the taxpayer and his or her designated Beneficiary.

Other exceptions may be applicable under certain circumstances and special rules may be applicable in connection with the exceptions enumerated above. You should consult a tax adviser with regard to exceptions from the penalty tax. A similar penalty tax, and additional exceptions, may apply to Qualified Contracts.

**Medicare Tax**. Distributions from non-qualified annuity contracts will be considered "investment income" for purposes of the Medicare tax on investment income. Thus, in certain circumstances, a 3.8% tax may be applied to some or all of the taxable portion of distributions (e.g. earnings) to individuals whose income exceeds certain threshold amounts. Please consult a tax advisor for more information.

***Annuity Payments.*** Although tax consequences may vary depending on the payment option elected under an annuity contract, a portion of each annuity payment is generally not taxed and the remainder is taxed as ordinary income. The non-taxable portion of an annuity payment is generally determined in a manner that is designed to allow you to recover your investment in the Contract ratably on a tax-free basis over the expected stream of annuity payments, as determined when annuity payments start. Once your investment in the Contract has been fully recovered, however, the full amount of each annuity payment is subject to tax as ordinary income.

***Partial Annuitization.*** If part of an annuity contract's value is applied to an annuity option that provides payments for one or more lives and for a period of at least ten years, those payments may be taxed as annuity payments instead of withdrawals. None of the payment options under the Contract is intended to qualify for this "partial annuitization" treatment and, if you apply only part of the value of the Contract to a payment option, we will treat those payments as withdrawals for tax purposes.

***Taxation of Death Benefit Proceeds.*** Amounts may be distributed from a Contract because of your death or the death of the Annuitant other than the owner. Generally, such amounts are includible in the income of the recipient as follows: (i) if distributed in a lump sum, they are taxed in the same manner as a surrender of the Contract, or (ii) if distributed under a payment option, they are taxed in the same way as annuity payments.

***Transfers, Assignments or Exchanges of a Contract.*** A transfer or assignment of ownership of a Contract, the designation of an Annuitant other than the owner, the selection of certain Maturity Dates, or the exchange of a Contract may result in certain tax consequences to you that are not discussed herein. An Owner contemplating any such transfer, assignment or exchange should consult a tax adviser as to the tax consequences.

***Withholding***. Annuity distributions are generally subject to withholding for the recipient's federal income tax liability. Recipients can generally elect, however, not to have tax withheld from distributions.

***Multiple Contracts.*** All non-qualified deferred annuity contracts that are issued by us (or our affiliates) to the same Owner during any calendar year are treated as one annuity contract for purposes of determining the amount includible in such Owner's income when a taxable distribution occurs.

***Further Information***. We believe that the Contracts will qualify as annuity contracts for federal income tax purposes and the above discussion is based on that assumption. Further details can be found in the Statement of Additional Information under the heading "Tax Status of the Contracts."

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#### TAXATION OF QUALIFIED CONTRACTS
The tax rules applicable to Qualified Contracts vary according to the type of retirement plan and the terms and conditions of the plan. Your rights under a Qualified Contract may be subject to the terms of the retirement plan itself, regardless of the terms of the Qualified Contract. Adverse tax consequences may result if you do not ensure that contributions, distributions and other transactions with respect to the Contract comply with the law.

In the case of a withdrawal under a Qualified Contract, a ratable portion of the amount received is taxable, generally based on the ratio of the "investment in the contract" to the individual's total account balance or accrued benefit under the retirement plan. The "investment in the contract" generally equals the amount of any non-deductible premiums paid by or on behalf of any individual. In many cases, the "investment in the contract" under a Qualified Contract can be zero.

Individual Retirement Accounts (IRAs), as defined in sections 219 and 408 of the Code, permit individuals to make annual contributions up to the lesser of a specified dollar amount for the year or the amount of compensation includible in the individual's gross income for the year. The contributions may be deductible in whole or in part, depending on the individual's income. Distributions from certain pension plans may be "rolled over" into an IRA on a tax-deferred basis without regard to these limits. Amounts in the IRA (other than nondeductible contributions) are taxed when distributed from the IRA. A 10% penalty tax generally applies to distributions made before age 59½, unless certain exceptions apply.

The Internal Revenue Service has not reviewed the Contract for qualification as an IRA, and has not addressed in a ruling of general applicability whether a death benefit provision such as the optional enhanced death benefit provisions in the Contract comports with IRA qualification requirements. The value of the enhanced death benefits may need to be considered in calculating minimum required distributions.

SIMPLE IRAs permit certain small employers to establish SIMPLE plans as provided by section 408(p) of the Code, under which employees may elect to defer to a SIMPLE IRA a percentage of compensation up to a specified dollar amount for the year. The sponsoring employer is required to make matching or non-elective contributions on behalf of employees. Distributions from SIMPLE IRAs are subject to the same restrictions that apply to IRA distributions and are taxed as ordinary income. Subject to certain exceptions, premature distributions prior to age 59½ are subject to a 10% penalty tax, which is increased to 25% if the distribution occurs within the first two years after the commencement of the employee's participation in the plan.

Roth IRAs, as described in Code section 408A, permit certain eligible individuals to make non-deductible contributions to a Roth IRA in cash or as a rollover or transfer from another Roth IRA or other IRA. A conversion of an IRA to a Roth IRA is generally subject to tax. The Owner may wish to consult a tax adviser before combining any converted amounts with any other Roth IRA contributions, including any other conversion amounts from other tax years. Distributions from a Roth IRA generally are not taxed, except that, once aggregate distributions exceed contributions to the Roth IRA, income tax and a 10% penalty tax may apply to distributions made (1) before age 59½ (subject to certain exceptions) or (2) during the five taxable years starting with the year in which the first contribution is made to any Roth IRA.

A 10% penalty tax may apply to amounts attributable to a conversion from an IRA if they are distributed during the five taxable years beginning in the year in which the conversion was made.

Corporate pension and profit-sharing plans under section 401(a) of the Code allow corporate employers to establish various types of retirement plans for employees, and self-employed individuals to establish qualified plans for themselves and their employees. Adverse tax consequences to the retirement plan, the participant or both may result if the Contract is transferred to any individual as a means to provide benefit payments, unless the plan complies with all the requirements applicable to such benefits prior to transferring the Contract. A 10% penalty tax generally applies to distributions made before age 59½, unless certain exceptions apply.

The Contract includes a death benefit that in some cases may exceed the greater of the premium payments or the Contract Value. The death benefit could be characterized as an incidental benefit, the amount of which is limited in any pension or profit-sharing plan. Because the death benefit may exceed this limitation, employers using the Contract in connection with such plans should contact their tax adviser.

Tax Sheltered Annuities under section 403(b) of the Code allow employees of certain section 501(c)(3) organizations and public schools to exclude from their gross income the premium payments made, within certain limits, on a Contract that will provide an annuity for the employee's retirement. These premium payments may be subject to FICA (social security) tax. Distributions of (1) salary reduction contributions made in years beginning after December 31, 1988; (2) earnings on those contributions; and (3) earnings on amounts held as of the last year beginning before January 1, 1989, are not allowed prior to age 59½, severance from employment, death or disability. Salary reduction contributions may also be distributed upon hardship. Other exceptions may be applicable under certain circumstances.

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For Contracts issued after 2008, amounts attributable to non-elective contributions may be subject to distribution restrictions specified in the employer's section 403(b) plan. A 10% penalty tax generally applies to distributions made before age 59½, unless certain exceptions apply. The Contract includes a death benefit that in some cases may exceed the greater of the premium payments or the Contract Value. The death benefit could be characterized as an incidental benefit, the amount of which is limited in any tax-sheltered annuity under section 403(b). Because the death benefit may exceed this limitation, employers using the Contract in connection with such plans should contact their tax adviser. If your Contract was issued pursuant to a section 403(b) plan, we generally are required to confirm, with your section 403(b) plan sponsor or otherwise, that surrenders, loans or transfers you request comply with applicable tax requirements and to decline requests that are not in compliance. We will defer such payments you request until all information required under the tax law has been received. By requesting a surrender, loan or transfer, you consent to the sharing of confidential information about you, the policy, and transactions under the policy and any other section 403(b) contracts or accounts you have under the section 403(b) plan among us, your employer or plan sponsor, any plan administrator or recordkeeper, and other product providers.

***Other Tax Issues.*** Qualified Contracts have Required Minimum Distribution rules that govern the timing and amount of distributions. There is a 25% excise tax on any shortfall in taking the full RMD for a year, which is reduced to 10% if the shortfall is corrected within two years. You should refer to your retirement plan, adoption agreement, or consult a tax adviser for more information about these distribution rules.

The SECURE Act and SECURE 2.0 Act were passed as part of the comprehensive government appropriations bills in 2019 and 2022, respectively (referred to collectively as the "SECURE Act"). The SECURE Act makes significant changes to laws affecting retirement plans, including the Required Minimum Distributions (RMD) rules. In particular,

&nbsp;&nbsp;&nbsp;&nbsp;• The SECURE Act limits the availability of the "stretch" feature for non-spouse beneficiaries of IRAs and defined contribution retirement plans. Most non-spouse beneficiaries will no
 longer be able to satisfy the RMD rules with lifetime distributions but will have to take their distributions within ten years. Certain exceptions apply to "eligible designated beneficiaries" which include surviving spouses, disabled and
 chronically ill individuals, individuals who are ten or less years younger than the deceased individual, and children who have not reached the age of majority. This change applies to distributions to designated beneficiaries of individuals
 who die on and after January 1, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;• The age on which RMDs generally must begin is based on the individual's applicable age. If the individual attains (1) age 70½ before 2020, the applicable age is 70½; (2) age 72 during or
 after 2020 but before 2023, the applicable age is 72; (3) age 72 during or after 2023 and age 73 before 2033, the applicable age is 73; or (4) age 74 after 2032, the applicable age is 75.

Distributions from Qualified Contracts generally are subject to withholding for the Owner's federal income tax liability. The withholding rate varies according to the type of distribution and the Owner's tax status. The Owner will be provided the opportunity to elect not to have tax withheld from distributions.

Taxable "eligible rollover distributions" from section 401(a) plans and section 403(b) annuities are subject to a mandatory federal income tax withholding of 20%. An eligible rollover distribution is any distribution from such a plan, except certain distributions such as distributions required by the Code, to an employee (or employee's spouse or former spouse as Beneficiary or alternate payee), distributions in a specified annuity form, or hardships distributions. The 20% withholding does not apply, however, to nontaxable distributions or if (i) the employee (or employee's spouse or former spouse as beneficiary or alternate payee) chooses a "direct rollover" from the plan to a tax-qualified plan, IRA, Roth IRA or tax sheltered annuity or to a governmental 457 plan that agrees to separately account for rollover contributions; or (ii) a non-spouse beneficiary chooses a "direct rollover" from the plan to an IRA established by the direct rollover.

Distributions that are rolled over from an IRA to another IRA within 60 days are not immediately taxable; however, only one such rollover is permitted each year. An individual can make only one rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of the number of IRAs that are owned. The limit will apply by aggregating all of an individual's IRAs, including SEP and SIMPLE IRAs as well as traditional and Roth IRAs, effectively treating them as one IRA for purposes of the limit. This limit does not apply to direct trustee-to-trustee transfers or conversions to Roth IRAs.

#### FEDERAL ESTATE TAXES, GIFT AND GENERATION-SKIPPING TRANSFER TAXES
While no attempt is being made to discuss in detail the federal estate tax implications of the Contract, a purchaser should keep in mind that the value of an annuity Contract owned by a decedent and payable to a Beneficiary by virtue of surviving the decedent is included in the decedent's gross estate. Depending on the terms of the annuity contract, the value of the annuity included in the gross estate may be the value of the lump sum payment payable to the designated Beneficiary or the actuarial value of the payments to be received by the Beneficiary. Consult an estate-planning adviser for more information.

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Under certain circumstances, the Code may impose a generation-skipping transfer ("GST") tax when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations issued under the Code may require us to deduct the tax from your Contract, or from any applicable payment, and pay it directly to the IRS.

The potential application of these taxes underscores the importance of seeking guidance from a qualified adviser to help ensure that your estate plan adequately addresses your needs and those of your beneficiaries under all possible scenarios.

#### ANNUITY PURCHASES BY NONRESIDENT ALIENS AND FOREIGN CORPORATIONS
The discussion above provides general information regarding U.S. federal income tax consequences to annuity purchasers that are U.S. citizens or residents. Purchasers that are not U.S. citizens or residents will generally be subject to U.S. federal withholding tax on taxable distributions from annuity contracts at a 30% rate, unless a lower treaty rate applies. In addition, such purchasers may be subject to state and/or municipal taxes and taxes that may be imposed by the purchaser's country of citizenship or residence. Additional withholding may occur with respect to entity purchasers (including foreign corporations, partnerships, and trusts) that are not U.S. residents. Prospective purchasers are advised to consult with a qualified tax adviser regarding U.S. state, and foreign taxation with respect to an annuity contract purchase.

#### ANNUITY PURCHASES BY RESIDENTS OF PUERTO RICO
In Rev. Rul. 2004-75, 2004-31 I.R.B. 109, the Internal Revenue Service announced that income received by residents of Puerto Rico under life insurance or annuity contracts issued by a Puerto Rico branch of a United States life insurance company is U.S.-source income that is generally subject to United States Federal income tax.

#### POSSIBLE TAX LAW CHANGES
Although the likelihood of legislative changes is uncertain, there is always the possibility that the tax treatment of the Contract could change by legislation or otherwise. Consult a tax adviser with respect to legislative developments and their effect on the Contract. We have the right to modify the Contract in response to legislative changes that could otherwise diminish the favorable tax treatment that Contract Owners currently receive. We make no guarantee regarding the tax status of any Contract and do not intend the above discussion as tax advice.

#### FOREIGN TAX CREDITS
We may benefit from any foreign tax credits attributable to taxes paid by certain Funds to foreign jurisdictions to the extent permitted under federal tax law.

#### SALE OF THE CONTRACTS
We have entered into a Distribution Agreement with our wholly-owned subsidiary, Sunset Financial Services, Inc., for the distribution and sale of the Contracts. Sunset Financial's principal business address is P.O. Box 219365, Kansas City, Missouri 64121-9365. Sunset Financial will enter selling agreements with other broker-dealers ("selling firms") that in turn may sell the Contracts through their registered representatives.

We pay commissions to selling firms for the sale of the Contracts by registered representatives as well as selling firms. Selling Firms will receive commissions of up to 1.95% of premiums paid. In addition, we may pay an asset-based commission of an amount up to 0.80% in years two and beyond. Additional amounts may be paid in certain circumstances. Sunset Financial does not retain any override as principal underwriter for the Contracts.

We and/or Sunset Financial may pay certain selling firms additional amounts for: (1) "preferred product" treatment of the Contracts in their marketing programs, which may include marketing services and increased access to their registered representatives; (2) sales promotions relating to the Contracts; (3) costs associated with sales conferences and educational seminars for their registered representatives; and (4) other sales expenses incurred by them. We and/or Sunset Financial may make bonus payments to certain selling firms based on aggregate sales of our variable insurance contracts (including the Contract). These additional payments are not offered to all selling firms, and the terms of any particular agreement governing the payments may vary among selling firms.

Under the Distribution Agreement with Sunset Financial, we pay the following sales expenses: deferred compensation and insurance benefits of registered persons of Sunset Financial; advertising expenses; and all other expenses of distributing the Contracts. We also pay for Sunset Financial's operating and other expenses. Because they are also appointed insurance agents of Kansas City Life, some registered representatives may receive other payments from Kansas City Life for services that do not directly involve the sale of the Contracts, including payments made for the recruitment and training of personnel, production of promotional literature, and similar services.

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Other selling firms may share commissions and additional amounts received for sales of the Contracts with their registered representatives in accordance with their programs for compensating registered representatives. Ask your registered representative for further information about what your registered representative and the selling firm for which he or she works may receive in connection with your purchase of a Contract.

American Century Variable Portfolios II, Inc., American Funds Insurance Series<sup>®</sup>, Columbia Funds Variable Series Trust II, Federated Hermes Insurance Series, Fidelity<sup>®</sup> Variable Insurance Products, Franklin Templeton Variable Insurance Products Trust, and Northern Lights Variable Trust each have adopted a Distribution Plan in connection with its 12b-1 shares, and each, under its respective agreement with Sunset Financial, currently pays Sunset Financial fees in consideration of distribution services provided and expenses incurred in the performance of Sunset Financial's obligations under such agreements. All or some of these payments may be passed on to selling firms that have entered into a selling agreement with Sunset Financial. The Distribution Plans have been adopted pursuant to Rule 12b-1 under the Investment Company Act of 1940, which allows funds to pay fees to those who sell and distribute fund shares out of fund assets. Under the Distribution Plan, fees ranging up to 0.25% of Variable Account assets invested in the Funds are paid to Sunset Financial for its distribution-related services and expenses under such agreement.

Commissions and other incentives or payment described above are not charged directly to Owners or the Variable Account. However, commissions and other incentives or payments described above are reflected in the fees and charges that Owners do pay directly or indirectly.

#### LEGAL PROCEEDINGS
The life insurance industry, including Kansas City Life, has been subject to an increase in litigation in recent years. Such litigation has been pursued on behalf of purported classes of policyholders and other claims and legal actions in jurisdictions where juries often award punitive damages, which are grossly disproportionate to actual damages.

Although no assurances can be given and no determinations can be made at this time, management believes that the ultimate liability, if any, with respect to these claims and actions, is not likely to have a material adverse effect on the Variable Account, the ability of Sunset Financial to perform its obligations under the Distribution Agreement, or the ability of the Company to meet its obligations under the Contract.

#### COMPANY HOLIDAYS
We are closed on the days that the New York Stock Exchange is closed. Currently the New York Stock Exchange is closed on the following holidays: New Year's Day, Martin Luther King, Jr. Day, President's Day, Good Friday, Memorial Day, Juneteenth National Independence Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. The New York Stock Exchange recognizes holidays that fall on a Saturday on the previous Friday. We will recognize holidays that fall on a Sunday on the following Monday.

#### CHANGE OF ADDRESS NOTIFICATION
To protect you from fraud and theft, Kansas City Life may verify any changes you request by sending a confirmation of the change to both your old and new addresses. Kansas City Life may also call you to verify the change of address.

#### FINANCIAL STATEMENTS
Kansas City Life's financial statements and the financial statements for the Variable Account are incorporated into the Statement of Additional Information by reference to the Variable Account's Form [N-VPFS](https://www.sec.gov/Archives/edgar/data/940338/000094033826000012/vanvpfs-2026.htm), File No. 811-08994, filed with the SEC on April 28, 2026.

Kansas City Life's financial statements should be distinguished from financial statements of the Variable Account. You should consider Kansas City Life's financial statements only as an indication of Kansas City Life's ability to meet its obligations under the Contracts. Please note that in addition to Fixed Account allocations, general account assets are used to guarantee the payment of living and death benefits under the Contracts. To the extent that Kansas City Life is required to pay you amounts in addition to your Contract Value under these benefits, such amounts will come from general account assets. You should be aware that Kansas City Life's invested assets, primarily including fixed income securities, are subject to customary risks of credit defaults and changes in fair value. Factors that may affect the overall default rate on and fair value of Kansas City Life's invested assets include interest rate levels and changes, availability and cost of liquidity, financial market performance, and general economic conditions, as well as particular circumstances affecting the businesses of individual borrowers and tenants. Kansas City Life's financial statements include a further discussion of risks inherent within general account investments. However, you should not consider Kansas City Life's financial statements as having an effect on the investment performance of the assets held in the Variable Account.

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#### APPENDIX A – INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
The following is a list of Portfolio Companies available under the Contract. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies, as noted below. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at https://www.kclife.com/prospectus/default.htm. You can also request this information at no cost by calling us at (800)-616-3670 or by sending an email request to statecompliance@kclife.com.

The current expenses and performance information below reflects the fees and expenses of the Portfolio Companies but do not reflect the other fees and charges that the Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

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|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; Capital growth  | &nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. American Franchise Fund – Series I Shares (Adviser: Invesco Advisers, Inc.).  | &nbsp;&nbsp; 0.85%  | &nbsp;&nbsp; 11.67%  | &nbsp;&nbsp; 10.35%  | &nbsp;&nbsp; 14.87%  |
| &nbsp;&nbsp; Long-term growth of capital  | &nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. Core Equity Fund – Series I Shares (Adviser: Invesco Advisers, Inc.).  | &nbsp;&nbsp; 0.80%  | &nbsp;&nbsp; 16.17%  | &nbsp;&nbsp; 12.81%  | &nbsp;&nbsp; 11.73%  |
| &nbsp;&nbsp; Long-term growth of capital by investing in health care companies  | &nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. Health Care Fund - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; 0.98%  | &nbsp;&nbsp; 15.33%  | &nbsp;&nbsp; 3.80%  | &nbsp;&nbsp; 6.58%  |
| &nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)<sup>i</sup><sup>i</sup>  | &nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - December - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; 0.70%<sup>i</sup>  | &nbsp;&nbsp; 13.81%  | &nbsp;&nbsp; -  | &nbsp;&nbsp; -  |
| &nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)<sup>i</sup><sup>i</sup>  | &nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - June - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; 0.70%<sup>i</sup>  | &nbsp;&nbsp; 13.65%  | &nbsp;&nbsp; -  | &nbsp;&nbsp; -  |
| &nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)<sup>i</sup><sup>i</sup>  | &nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - March - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; 0.70%<sup>i</sup>  | &nbsp;&nbsp; 7.64%  | &nbsp;&nbsp; -  | &nbsp;&nbsp; -  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund) <sup>ii</sup> | AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - September - Series I Shares (Adviser: Invesco Advisers, Inc.)  | 0.70% <sup>i</sup> | 12.78%  | -  | -  |
| Long-term growth of capital  | AIM Variable Insurance Funds Invesco V.I. Technology Fund – Series I Shares (Adviser: Invesco Advisers, Inc.).  | 0.96%  | 20.47%  | 10.30%  | 15.78%  |
| Provide high total return (including income and capital gains) consistent with preservation of capital over the long term  | American Funds Insurance Series<sup>®</sup> Asset Allocation Fund – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | 0.54%  | 15.85%  | 8.97%  | 9.77%  |
| Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. Providing growth of capital is a secondary objective  | American Funds Insurance Series<sup>®</sup> Capital Income Builder<sup>®</sup> – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | 0.52% <sup>i</sup> | 20.41%  | 9.08%  | 7.59%  |
| Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments.  | American Funds Insurance Series<sup>®</sup> Capital World Bond Fund<sup>®</sup> – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | 0.73%  | 9.39%  | -2.50%  | 1.23%  |
| Long-term growth of capital  | American Funds Insurance Series<sup>®</sup> Global Growth Fund – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | 0.65% <sup>i</sup> | 21.62%  | 8.23%  | 12.17%  |
| Achieve long-term growth of capital and income  | American Funds Insurance Series<sup>®</sup> Growth-Income Fund – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | 0.53%  | 18.06%  | 13.90%  | 13.92%  |
| Long-term capital appreciation  | American Funds Insurance Series<sup>®</sup> New World Fund<sup>®</sup> – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | 0.82% <sup>i</sup> | 28.29%  | 5.33%  | 9.25%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Provide high total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection  | American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Asset Allocation Fund – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC).  | 0.90%  | 11.67%  | 6.43%  | 7.17%  |
| Produce income and to provide an opportunity for growth of principal consistent with sound common stock investing, while seeking to manage volatility and provide downside protection  | American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Washington Mutual Investors Fund<sup>SM</sup> – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC).  | 0.88%  | 10.65%  | 8.04%  | 7.18%  |
| Growth of capital while seeking to manage volatility and provide downside protection  | American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Growth Fund – Class P2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>; Subadvisor: Milliman Financial Risk Management LLC).  | 0.93%  | 13.41%  | 7.96%  | 11.74%  |
| Achieve long-term growth of capital and income while seeking to manage volatility and provide downside protection  | American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Growth-Income Fund – Class P2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>; Subadvisor: Milliman Financial Risk Management LLC).  | 0.88%  | 11.17%  | 7.70%  | 8.98%  |
| Provide long-term growth of capital while seeking to manage volatility and provide downside protection  | American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk EUPAC Fund – Class P2 Shares (Formerly American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk International Fund – Class P2 Shares) (Adviser: Capital Research and Management Company<sup>SM</sup>; Subadvisor: Milliman Financial Risk Management LLC).  | 1.06% <sup>i</sup> | 15.09%  | -0.29%  | 2.90%  |
| The fund seeks long-term capital growth consistent with the preservation of capital. Its secondary goal is current income.  | BNY Mellon Variable Investment Fund Appreciation Portfolio – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Fayez Sarofim Co., LLC (Sarofim & Co.)).  | 0.85%  | 10.07%  | 9.37%  | 12.92%  |

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|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| The fund seeks capital growth.  | BNY Mellon Variable Investment Fund Small Cap Portfolio – Initial Shares (Formerly BNY Mellon Variable Investment Fund Opportunistic Small Cap Portfolio – Initial Shares) (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management North America, LLC)  | 0.83%  | 10.99%  | 4.26%  | 7.83%  |
| The fund seeks to match the total return of the S&P 500® Index.  | BNY Mellon Stock Index Fund, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Mellon Investments Corporation)  | 0.27%  | 17.53%  | 14.11%  | 14.52%  |
| The fund seeks long-term capital appreciation. <br>| BNY Mellon Sustainable U.S. Equity Portfolio, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management Limited).  | 0.66%  | 15.97%  | 11.93%  | 13.56%  |
| High long-term total return through growth and current income  | Calamos<sup>®</sup> Advisors Trust, Calamos Growth and Income Portfolio (Adviser: Calamos Advisors LLC).  | 1.27%  | 17.40%  | 10.90%  | 11.72%  |
| Growth of capital  | Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Mid Cap Growth Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.).  | 1.07% <sup>i</sup> | 14.86%  | 7.26%  | 11.89%  |
| Long-term capital appreciation  | Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Seligman Global Technology Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.).  | 1.20% <sup>i</sup> | 34.37%  | 18.42%  | 22.70%  |
| Long-term capital growth  | Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Small Cap Value Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.).  | 1.10% <sup>i</sup> | 6.30%  | 8.66%  | 7.97%  |
| Achieve high current income and moderate capital appreciation  | Federated Hermes Insurance Series Federated Hermes Managed Volatility Fund II – P (Adviser: Federated Hermes Global Investment Management Corp.; Sub-Adviser: Federated Hermes Investment Management Company).  | 0.97% <sup>i</sup> | 7.03%  | 6.56%  | 6.85%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seek high current income  | Federated Hermes Insurance Series Federated Hermes High Income Bond Fund II – P (Adviser: Federated Hermes Investment Management Company).  | 0.81% <sup>i</sup> | 8.23%  | 3.70%  | 5.59%  |
| Provide current income consistent with stability of principal and liquidity  | Federated Hermes Insurance Series Federated Hermes Government Money Fund II – S (Adviser: Federated Hermes Investment Management Company).  | 0.63% <sup>i</sup> | 3.73%  | 2.80%  | 1.73%  |
| Long-term capital appreciation  | Fidelity<sup>®</sup> Variable Insurance Products Contrafund<sup>®</sup> Portfolio – Service Class 2 (Adviser: Fidelity Management & Research Company (FMR); Sub-Advisors: FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund).  | 0.79%  | 21.24%  | 15.08%  | 15.49%  |
| High total return (Principal preservation is a secondary objective)  | Fidelity<sup>®</sup> Variable Insurance Products Freedom Retirement Portfolio – Service Class 2 (Formerly Fidelity<sup>®</sup> Variable Insurance Products Freedom Income Portfolio – Service Class 2) (Adviser: FMR Co., Inc. (FMRC)).  | 0.61%  | 9.31%  | 2.08%  | 4.17%  |
| High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | Fidelity® Variable Insurance Products Freedom 2010 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | 0.63%  | 10.26%  | 2.89%  | 5.46%  |
| High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | Fidelity<sup>®</sup> Variable Insurance Products Freedom 2015 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | 0.66%  | 11.66%  | 3.73%  | 6.33%  |
| High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | Fidelity<sup>®</sup> Variable Insurance Products Freedom 2020 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | 0.69%  | 12.99%  | 4.57%  | 7.11%  |
| High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | Fidelity<sup>®</sup> Variable Insurance Products Freedom 2025 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | 0.71%  | 14.23%  | 5.25%  | 7.75%  |
| High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | Fidelity<sup>®</sup> Variable Insurance Products Freedom 2030 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | 0.74%  | 15.16%  | 5.98%  | 8.61%  |
| High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | Fidelity<sup>®</sup> Variable Insurance Products Freedom 2035 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | 0.78%  | 16.42%  | 7.28%  | 9.72%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | Fidelity<sup>®</sup> Variable Insurance Products Freedom 2040 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | 0.82%  | 18.44%  | 8.73%  | 10.59%  |
| High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | Fidelity<sup>®</sup> Variable Insurance Products Freedom 2045 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | 0.85%  | 19.53%  | 9.16%  | 10.82%  |
| High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | Fidelity<sup>®</sup> Variable Insurance Products Freedom 2050 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | 0.85%  | 19.50%  | 9.15%  | 10.81%  |
| High total return  | Franklin Templeton Variable Insurance Products Trust, Franklin Global Real Estate VIP Fund – Class 2 (Adviser: Franklin Templeton Institutional, LLC).  | 1.25% <sup>i</sup> | 7.93%  | 2.36%  | 3.03%  |
| Long-term capital growth  | Franklin Templeton Variable Insurance Products Trust, Franklin Small-Mid Cap Growth VIP Fund – Class 2 (Adviser: Franklin Advisers, Inc.).  | 1.08% <sup>i</sup> | 2.52%  | 1.03%  | 9.89%  |
| Long-term capital appreciation  | Franklin Templeton Variable Insurance Products Trust, Templeton Developing Markets VIP Fund – Class 2 (Adviser: Templeton Asset Management Ltd.).  | 1.36% <sup>i</sup> | 46.27%  | 5.46%  | 10.40%  |
| Long-term capital growth  | Franklin Templeton Variable Insurance Products Trust, Templeton Foreign VIP Fund – Class 2 (Adviser: Templeton Investment Counsel, LLC).  | 1.07% <sup>i</sup> | 29.19%  | 8.25%  | 5.75%  |
| Capital growth  | LVIP American Century Capital Appreciation Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | 0.79% <sup>i</sup> | 6.72%  | 5.16%  | 11.47%  |
| Capital growth by investing in common stocks (Income is a secondary objective)  | LVIP American Century Disciplined Core Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | 0.71% <sup>i</sup> | 14.86%  | 8.78%  | 10.39%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Capital growth  | LVIP American Century International Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | 0.95% <sup>i</sup> | 15.98%  | 1.85%  | 6.42%  |
| Long-term capital growth (Income is a secondary objective)  | LVIP American Century Mid-Cap Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | 0.86% <sup>i</sup> | 8.99%  | 8.89%  | 9.12%  |
| Long-term capital growth  | LVIP American Century Ultra® Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | 0.75% <sup>i</sup> | 12.84%  | 11.68%  | 17.16%  |
| Long-term capital growth (Income is a secondary objective)  | LVIP American Century Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | 0.71% <sup>i</sup> | 16.82%  | 11.65%  | 10.23%  |
| Long-term total return using a strategy that seeks to protect against U.S. inflation  | LVIP American Century Inflation Protection Fund – Service Class (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.71% <sup>i</sup> | 6.33%  | 0.62%  | 2.61%  |
| Capital appreciation (Achieving current income by investing primarily in equity securities is a secondary objective)  | LVIP JPMorgan Mid Cap Value Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.).  | 0.74%  | 4.72%  | 9.63%  | 8.77%  |
| Capital growth over the long term  | LVIP JPMorgan Small Cap Core Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.).  | 0.77%  | 10.27%  | 6.40%  | 8.95%  |
| Provide high total return from a portfolio of selected equity securities  | LVIP JPMorgan U.S. Equity Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.).  | 0.63%  | 14.54%  | 13.69%  | 14.84%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Capital appreciation  | MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Growth Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | 0.73% <sup>i</sup> | 12.19%  | 11.10%  | 15.60%  |
| Capital appreciation  | MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Research Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | 0.74% <sup>i</sup> | 12.85%  | 11.15%  | 12.93%  |
| Total return with an emphasis on current income, but also considering capital appreciation  | MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Total Return Bond Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | 0.53% <sup>i</sup> | 7.17%  | 0.15%  | 2.63%  |
| Total return  | MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Total Return Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | 0.61% <sup>i</sup> | 11.16%  | 6.42%  | 7.63%  |
| Total return  | MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Utilities Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | 0.78% <sup>i</sup> | 15.01%  | 7.64%  | 9.49%  |
| Total return with an emphasis on high current income, but also considering capital appreciation  | MFS<sup>®</sup> Variable Insurance Trust II MFS<sup>®</sup> Income Portfolio – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | 0.67% <sup>i</sup> | 7.33%  | 0.66%  | 3.58%  |
| Provide income and capital appreciation with less volatility than the fixed income and equity markets as a whole  | Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Balanced ETF Portfolio – Class 2 Shares (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC).  | 0.76%  | 9.03%  | 3.83%  | 4.92%  |
| Capital appreciation with less volatility than the equity markets as a whole  | Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Moderately Aggressive ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC).  | 0.75%  | 11.65%  | 5.36%  | 6.13%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Capital appreciation with less volatility than the equity markets as a whole  | Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Moderate ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC).  | 0.75%  | 10.36%  | 4.74%  | 5.72%  |

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<sup>i</sup> Denotes Fund Portfolio and their investment adviser have entered into temporary expense reimbursements and/or fee waivers. See the prospectus for the Fund Portfolio for further information.

<sup>ii</sup> See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT – *Defined Outcome Funds Risks*" in the prospectus and the prospectuses for the Funds for a description of the risks associated with investing in the Invesco V.I. S&P 500 Buffer Funds.

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#### The Fixed Account
The following table describes the Fixed Account investment option that is currently available under the Contract. We may change certain features of the Fixed Account investment option or offer a new Fixed Account investment option. We will provide you with written notice before doing so. Depending on the optional benefits you choose, you may not be able to invest in the Fixed Account, as noted below.

The following is the Fixed Account investment option that is currently available under the Contract. We may change certain features of the Fixed Account investment option. We will provide you with written notice before doing so.

See **The Fixed Account** for additional information.

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| | |
|:---|:---|
| **Name** | **Minimum Guaranteed Interest Rate** |
| Fixed Account<br> 1 Year<sup>i</sup> | <br> 1.00% |
| Fixed Account (for Contracts issued prior to May 31, 2011 and for Contracts issued on or after May 31, 2011 in states where the state regulator has not approved a lower guaranteed interest rate) 1 Year<sup>i</sup> | 3.00% |

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<sup>i</sup> The Company reserves the right to shorten the period the interest rate applies to less than one year, except for the year in which such amount is received or transferred.

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If you elect the Five Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit you must allocate your premiums and Contract Value among the Designated Subaccounts on and after the rider effective date. You may not invest in the Fixed Account. Allocation percentages must be whole percentages only and the total allocation percentages in the Designated Subaccounts must equal 100%.

The table below lists available Subaccounts by Rider Effective Date.

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| | | |
|:---|:---|:---|
| **Designated Subaccount** | **GMWB Rider with a Rider Effective Date before May 29, 2012** | **GMWB Rider with a Rider Effective Date of May 29, 2012, or after** |
| American Funds Insurance Series<sup>®</sup> Managed Risk Asset Allocation Fund – Class P2 Shares | **X**  | **X**  |
| American Funds Insurance Series<sup>®</sup> Managed Risk Washington Mutual Investors Fund<sup>SM</sup> – Class P2 Shares | **X**  | **X**  |
| American Funds Insurance Series<sup>®</sup> Managed Risk Growth Fund – Class P2 Shares | **X**  | **X**  |
| American Funds Insurance Series<sup>®</sup> Managed Risk Growth-Income Fund – Class P2 Shares | **X**  | **X**  |
| American Funds Insurance Series<sup>®</sup> Managed Risk International Fund – Class P2 Shares | **X**  | **X**  |
| Fidelity<sup>®</sup> VIP Freedom 2010 Portfolio<sup>SM</sup> – Service Class 2 | **X**  |  |
| Fidelity<sup>®</sup> VIP Freedom 2015 Portfolio<sup>SM</sup> – Service Class 2 | **X**  |  |
| Fidelity<sup>®</sup> VIP Freedom 2020 Portfolio<sup>SM</sup> – Service Class 2 | **X**  |  |
| Fidelity<sup>®</sup> VIP Freedom Income Portfolio<sup>SM</sup> – Service Class 2 | **X**  |  |
| TOPS<sup>®</sup> Managed Risk Balanced ETF Portfolio – Class 2 Shares | **X**  | **X**  |
| TOPS<sup>®</sup> Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares | **X**  | **X**  |
| TOPS<sup>®</sup> Managed Risk Growth ETF Portfolio – Class 2 Shares | **X**  | **X**  |

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#### APPENDIX B – GMWB RIDER EXAMPLES
The following examples provide hypothetical illustrations of the benefits provided under the GMWB rider. These illustrations are not representative of future performance under your Contract. Actual values may be higher or lower than the amounts shown.

**Example 1.** Assume the rider was issued on the Contract Date, and assume a single premium of $100,000 at Covered Person's age 55, no additional premiums are paid, and withdrawals equal to the Guaranteed Withdrawal Amount are taken beginning in year 11. Also assume that the Contract Value is less than the Guaranteed Withdrawal Balance at the eligible step-up Dates, so there is no step-up and the Covered Person survives at least 31 years from the Rider Effective Date.

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Premiums** | **Guaranteed Withdrawal Amount** | **Lifetime Income Amount** | **Withdrawal Taken** | **Bonus** | **Guaranteed Withdrawal Balance** |
| 1 | $100000 | $5000<sup>A</sup> | N/A | $0 | $5000<sup>B</sup> | $100000<sup>A</sup> |
| 2 | 0 | 5250 | N/A | 0 | 5000 | 105000<sup>C</sup> |
| 3 | 0 | 5500 | N/A | 0 | 5000 | 110000 |
| 4 | 0 | 5750 | N/A | 0 | 5000 | 115000 |
| 5 | 0 | 6000 | N/A | 0 | 5000 | 120000 |
| 6 | 0 | 6250 | N/A | 0 | 5000 | 125000 |
| 7 | 0 | 6500 | N/A | 0 | 5000 | 130000 |
| 8 | 0 | 6750 | N/A | 0 | 5000 | 135000 |
| 9 | 0 | 7000 | N/A | 0 | 5000 | 140000 |
| 10 | 0 | 7250 | N/A | 0 | 5000 | 145000 |
| 11 | 0 | 7500 | $7500<sup>D</sup> | 7500 | 0 | 150000 |
| 12 | 0 | 7500 | 7500 | 7500 | 0 | 142500 |
| 13 | 0 | 7500 | 7500 | 7500 | 0 | 135000 |
| 14 | 0 | 7500 | 7500 | 7500 | 0 | 127500 |
| 15 | 0 | 7500 | 7500 | 7500 | 0 | 120000 |
| 20 | 0 | 7500 | 7500 | 7500 | 0 | 82500 |
| 25 | 0 | 7500 | 7500 | 7500 | 0 | 45000 |
| 30 | 0 | 7500 | 7500 | 7500 | 0 | 7500 |
| 31 | 0 | 0 | 7500 | 7500 | 0 | 0 |

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<sup>A</sup> The initial Guaranteed Withdrawal Balance is equal to the initial payment of $100,000. The initial Guaranteed Withdrawal Amount is equal to 5% of the initial Guaranteed Withdrawal Balance (0.05 x $100,000 = $5,000).

<sup>B</sup> There is no withdrawal during the first Contract Year so a bonus will be added to the Guaranteed Withdrawal Balance. The bonus amount is equal to 5% of the total premiums to date (0.05 x $100,000 = $5,000).

<sup>C</sup> Following a bonus, the Guaranteed Withdrawal Balance and the Guaranteed Withdrawal Amount are recalculated. The new Guaranteed Withdrawal Balance is equal to the Guaranteed Withdrawal Balance before the bonus increased by the amount of the bonus ($100,000 + $5,000 = $105,000). The Guaranteed Withdrawal Amount is equal to the greater of (a) the Guaranteed Withdrawal Amount prior to the bonus ($5,000) or 5% of the Guaranteed Withdrawal Balance after the bonus (0.05 X $105,000 = $5,250).

<sup>D</sup> The Lifetime Income Amount is calculated on the Contract Anniversary after the Covered Person's 65th birthday. The Lifetime Income Amount is initially equal to 5% of the Guaranteed Withdrawal Balance at that time (0.05 X $150,000 = $7,500). As long as you limit your future annual withdrawals to the Lifetime Income Amount of $7,500, the GMWB guarantees you annual payments of that amount for the rest of your life, no matter how long you live, even after you have recovered your investments in the Contract and even if your Contract Value reduces to zero.

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**Example 2.** Assume the rider was issued on the Contract Date, and assume an initial premium of $100,000 at Covered Person's age 65, an additional premium of $10,000 is made at the beginning of the Contract Year 2, a withdrawal equal to the Guaranteed Withdrawal Amount is taken in Contract Year 3, no withdrawals are taken in Contract Years 1, 2, 4, 5 (resulting in bonuses in those years). Also assume that the Contract Value is less than the Guaranteed Withdrawal Balance at the eligible step-up dates, so there is no step-up.

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Premiums** | **Guaranteed Withdrawal Amount** | **Lifetime Income Amount** | **Withdrawal Taken** | **Bonus** | **Guaranteed Withdrawal Balance** |
| 1 | $100000 | $5000 | $5000 | $0 | $5000 | $100000 |
| 2 | 10000<sup>A</sup> | 5750<sup>A</sup> | 5750 | 0 | 5500<sup>B</sup> | 115000 |
| 3 | 0 | 6025 | 6025 | 6025<sup>C</sup> | 0<sup>D</sup> | 120500 |
| 4 | 0 | 6025 | 6025 | 0 | 5500 | 114475<sup>C</sup> |
| 5 | 0 | 6025 | 6025 | 0 | 5500 | 119975 |

---

<sup>A</sup> There is an additional premium at the beginning of the second Contract Year. Prior to that premium, the Guaranteed Withdrawal Amount is $5,250, as in Example 1 above. Following the additional premium, the Guaranteed Withdrawal Amount is calculated as the lesser of (a) 5% of the Guaranteed Withdrawal Balance immediately after the premium (.05 X (105,000 + 10,000) = $5,750) or (b) the Guaranteed Withdrawal Amount immediately prior to the premium plus 5% of the premium ($5,250 + (0.05 X $10,000)) = $5,750).

<sup>B</sup> There is no withdrawal during the second Contract Year so a bonus will be added to the Guaranteed Withdrawal Balance. The bonus is equal to 5% of the total premiums paid to date (0.05 X $110,000 = $5,500).

<sup>C</sup> There is a withdrawal equal to the Guaranteed Withdrawal Amount $6,025 in year 3. This withdrawal does not exceed the Guaranteed Withdrawal Amount so the Guaranteed Withdrawal Amount is not reset, but the Guaranteed Withdrawal Balance is reduced by the amount of the withdrawal ($120,500 - $6,025 = $114,475).

<sup>D</sup> No bonus is payable in any year that a withdrawal is taken.

------

**Example 3.** Assume a single premium of $100,000 at age 63 with a Rider Effective Date of June 1, 2011, no additional premiums are made, the Guaranteed Withdrawal Balance steps-up at the end of Contract Year 3, withdrawals equal to the Guaranteed Withdrawal Amount are taken in Contract Years 1, 2, 3 and 4 and a withdrawal exceeding the Guaranteed Withdrawal Amount is taken at the end of Contract Year 5 which results in a reset. Since withdrawals are taken every year, there are no bonuses.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Premiums** | **Guaranteed Withdrawal Amount** | **Lifetime Income Amount** | **Withdrawal Taken** | **Hypothetical Contract Value** | **Guaranteed Withdrawal Balance** |
| 1 | $100000 | $5000 | N/A | $5000 | $102000 | $100000 |
| 2 | 0 | 5000 | N/A | 5000 | 103828 | 95000 |
| 3 | 0 | 5000 | $4500<sup>A</sup> | 5000 | 105781<sup>B</sup> | 90000 |
| 4 | 0 | 5289<sup>C</sup> | 5289<sup>C</sup> | 5289 | 94946 | 105781<sup>B</sup> |
| 5 | 0 | 5289 | 5289 | 10000<sup>D</sup> | 79898 | 100492 |
| 6 | 0 | 3995<sup>D</sup> | 3995<sup>D</sup> | 3995 | 75213 | 79898<sup>D</sup> |

---

<sup>A</sup> The Lifetime Income Amount is calculated on the Contract Anniversary after the Covered Person's 65th birthday. The Lifetime Income Amount is equal to 5% of the Guaranteed Withdrawal Balance on that Contract Anniversary (0.05 X $90,000 = $4,500). In this example, since withdrawals were taken prior to the Contract Anniversary following the Contract Year in which the Covered Person has reached age 65, the initial Lifetime Income Amount is less than the Guaranteed Withdrawal Amount.

<sup>B</sup> At the end of Contract Year 3, the Contract Value in this example, $105,781 is greater than the Guaranteed Withdrawal Balance ($90,000 - $5,000 = $85,000). The Guaranteed Withdrawal Balance will step-up to equal the Contract Value of $105,781.

<sup>C</sup> Following the Step-up of the Guaranteed Withdrawal Balance, the Guaranteed Withdrawal Amount is recalculated as the greater of (a) the Guaranteed Withdrawal Amount prior to the Step-up ($5,000) or (b) 5% of the Guaranteed Withdrawal Balance after the Step-up (0.05 X $105,781 = $5,289). The Lifetime Income Amount is also recalculated as the greater of (a) the Lifetime Income Amount prior to the Step-up ($4,500) or (b) 5% of the Guaranteed Withdrawal Balance after the Step-up (0.05 X $105,781 = $5,289).

<sup>D</sup> At the end of year 5, there is a withdrawal of $10,000, which is greater than both the Guaranteed Withdrawal Amount and the Lifetime Income Amount. Since this is an Excess Withdrawal, the Guaranteed Withdrawal Balance will be reset to the lesser of (a) the Contract Value after the withdrawal ($79,898) or (b) the Guaranteed Withdrawal Balance prior to the withdrawal minus the amount of the withdrawal ($100,492 - $10,000 = $90,492). Since the Guaranteed Withdrawal Balance was reset, the Guaranteed Withdrawal Amount and the Lifetime Income Amount will both be reset. The Guaranteed Withdrawal Amount will equal the lesser of (a) the Guaranteed Withdrawal Amount prior to the withdrawal ($5,289) or (b) 5% of the greater of the Contract Value after the withdrawal or the new Guaranteed Withdrawal Balance Value (0.05 X $79,898 = $3,995). The Lifetime Income Amount will equal the lesser of (a) the Lifetime Income Amount prior to the withdrawal ($5,289) or (b) 5% of the greater of the Contract Value after the withdrawal or the new Guaranteed Withdrawal Balance Value (0.05 X $79,898 = $3,995).

------

**Example 4.** Assume the rider was issued on the Contract Date, June 1, 2011, and assume a single premium of $50,000 at Covered Person's age 50, no additional premiums are paid, a withdrawal of $10,000 is taken at the end of Contract Year 5 and no other withdrawals are taken.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Premiums** | **Guaranteed Withdrawal Amount** | **Lifetime Income Amount** | **Withdrawal Taken** | **Bonus** | **Hypothetical Contract Value** | **Guaranteed Withdrawal Balance** |
| 1 | $50000 | $2500 | N/A | $0 | $2500 | $51870 | $50000 |
| 2 | 0 | 2625 | N/A | 0 | 2500 | 50003 | 52500 |
| 3 | 0 | 2750 | N/A | 0 | 2500 | 52961<sup>A</sup> | 55000 |
| 4 | 0 | 2875 | N/A | 0 | 2500 | 54311 | 57500 |
| 5 | 0 | 3000 | N/A | 10000<sup>B</sup> | 0 | 46748<sup>B</sup> | 60000 |
| 6 | 0 | 2337<sup>B</sup> | N/A | 0 | 2337<sup>C</sup> | 45741<sup>A</sup> | 46748<sup>B</sup> |
| 7 | 0 | 2454 | N/A | 0 | 2337 | 49579 | 49085 |
| 8 | 0 | 2571 | N/A | 0 | 2337 | 49280 | 51422 |
| 9 | 0 | 2687 | N/A | 0 | 2337 | 52609<sup>A</sup> | 53759 |
| 10 | 0 | 2804 | N/A | 0 | 2337 | 55031<sup>A</sup> | 56096 |

---

<sup>A</sup> The Contract Value on the eligible step-up dates shown (3rd, 6th, 9th, 10th Contract Anniversaries), is less than the Guaranteed Withdrawal Balance so no step-up occurs.

<sup>B</sup> At the end of year 5, there is a withdrawal of $10,000. Since this is an Excess Withdrawal, the Guaranteed Withdrawal Balance will be reset to the lesser of (a) the Contract Value after the withdrawal ($46,748) or (b) the Guaranteed Withdrawal Balance prior to the withdrawal minus the amount of the withdrawal ($60,000 - $10,000 = $50,000). Since the Guaranteed Withdrawal Balance was reset, the Guaranteed Withdrawal Amount will be reset. The Lifetime Income Amount has not been calculated yet so it will not be reset. The Guaranteed Withdrawal Amount will equal the lesser of (a) the Guaranteed Withdrawal Amount prior to the withdrawal ($3,000) or (b) 5% of the greater of the Contract Value after the withdrawal or the new Guaranteed Withdrawal Balance (0.05 X $46,748 = $2,337).

<sup>C</sup> There is no withdrawal during the sixth Contract Year so a bonus will be added to the Guaranteed Withdrawal Balance. Because a reset has occurred due to an Excess Withdrawal, the bonus will be 5% of the previously stepped-up or reset Guaranteed Withdrawal Balance (0.05 X $46,748 = $2,337).

------

**Example 5.** Assume the rider was issued on the Contract Date, and assume a single premium of $200,000 at Covered Person's age 75, no additional premiums are paid, and withdrawals equal to the Lifetime Income Amount begin in year 1. Since withdrawals are taken every year, there are no bonuses.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Premiums** | **Guaranteed Withdrawal Amount** | **Lifetime Income Amount** | **Withdrawal Taken** | **Bonus** | **Hypothetical Contract Value** | **Guaranteed Withdrawal Balance** |
| 1 | $200000 | $10000 | $10000 | $10000 | $0 | $176476 | $200000 |
| 2 | 0 | 10000 | 10000 | 10000 | 0 | 151890 | 190000 |
| 3 | 0 | 10000 | 10000 | 10000 | 0 | 126478 | 180000 |
| 4 | 0 | 10000 | 10000 | 10000 | 0 | 100396 | 170000 |
| 5 | 0 | 10000 | 10000 | 10000 | 0 | 84307 | 160000 |
| 6 | 0 | 10000 | 10000 | 10000 | 0 | 61597 | 150000 |
| 7 | 0 | 10000 | 10000 | 10000 | 0 | 49438 | 140000 |
| 8 | 0 | 10000 | 10000 | 10000 | 0 | 31299 | 130000 |
| 9 | 0 | 10000 | 10000 | 10000 | 0 | 19448 | 120000 |
| 10 | 0 | 10000 | 10000 | 10000 | 0 | 17308 | 110000 |
| 11 | 0 | 10000 | 10000 | 10000 | 0 | 6529 | 100000 |
| 12 | 0 | 10000 | 10000 | 10000 | 0 | 0<sup>A</sup> | 90000<sup>A</sup> |
| 13 | 0 | 10000 | 10000 | 10000 | 0 | 0 | 80000 |
| 14 | 0 | 10000 | 10000 | 10000 | 0 | 0 | 70000 |
| 15 | 0 | 10000 | 10000 | 10000 | 0 | 0 | 60000 |
| 16 | 0 | 10000 | 10000 | 10000 | 0 | 0 | 50000 |
| 17 | 0 | 10000 | 10000 | 10000 | 0 | 0 | 40000 |
| 18 | 0 | 10000 | 10000 | 10000 | 0 | 0 | 30000 |
| 19 | 0 | 10000 | 10000 | 10000 | 0 | 0 | 20000 |
| 20 | 0 | 10000 | 10000 | 10000 | 0 | 0 | 10000 |
| 21+ | 0 | 0<sup>B</sup> | 10000<sup>B</sup> | 10000 | 0 | 0 | 0<sup>B</sup> |

---

<sup>A</sup> During year 12, the Lifetime Income Amount withdrawal causes the Contract Value to reduce to zero. At that time, the Guaranteed Withdrawal Balance and the Lifetime Income Amount are both greater than zero and the Contract enters the Settlement Phase. No additional premiums will be accepted and no rider charge will be deducted. All other rights and benefits under the Contract terminate.

<sup>B</sup> The Lifetime Income Amount continues to be available as long as the Covered Person remains alive, even when the Guaranteed Withdrawal Balance reduces to zero.

------

**Example 6.** Assume the rider was issued on the Contract Date, and assume a single premium of $100,000 at Covered Person's age 55, no additional premiums are paid, and withdrawals equal to the Guaranteed Withdrawal Amount are taken beginning in year 5. Also assume that the Contract Value is less than the Guaranteed Withdrawal Balance at the eligible step-up dates, so there is no step-up.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Premiums** | **Guaranteed Withdrawal Amount** | **Lifetime Income Amount** | **Withdrawal Taken** | **Bonus** | **Guaranteed Withdrawal Balance** |
| 1 | $100000 | $5000 | N/A | $0 | $5000<sup>A</sup> | $100000 |
| 2 | 0 | 5250 | N/A | 0 | 5000 | 105000 |
| 3 | 0 | 5500 | N/A | 0 | 5000 | 110000 |
| 4 | 0 | 5750 | N/A | 0 | 5000 | 115000 |
| 5 | 0 | 6000 | N/A | 6000<sup>B</sup> | 0 | 120000 |
| 6 | 0 | 6000 | N/A | 6000 | 0 | 114000<sup>B</sup> |
| 7 | 0 | 6000 | N/A | 6000 | 0 | 108000 |
| 8 | 0 | 6000 | N/A | 6000 | 0 | 102000 |
| 9 | 0 | 6000 | N/A | 6000 | 0 | 96000 |
| 10 | 0 | 6000 | N/A | 6000 | 0 | 90000 |
| 11 | 0 | 6000<sup>D</sup> | $4200<sup>C</sup> | 4200<sup>D</sup> | 0 | 84000 |
| 12 | 0 | 6000 | 4200 | 4200 | 0 | 79800 |
| 13 | 0 | 6000 | 4200 | 4200 | 0 | 75600 |
| 14 | 0 | 6000 | 4200 | 4200 | 0 | 71400 |
| 15 | 0 | 6000 | 4200 | 4200 | 0 | 67200 |

---

<sup>A</sup> There is no withdrawal during the first five Contract Years so a bonus will be added to the Guaranteed Withdrawal Balance. The bonus is equal to 5% of the total premiums paid to date (0.05 X $100,000 = $5,000).

<sup>B</sup> There are withdrawals equal to the Guaranteed Withdrawal Amount ($6,000) beginning in year 5. These withdrawals do not exceed the Guaranteed Withdrawal Amount so the Guaranteed Withdrawal Amount is not reset, but the Guaranteed Withdrawal Balance is reduced by the amount of the withdrawal ($120,000 - $6,000 = $114,000).

<sup>C</sup> The Lifetime Income Amount is calculated on the Contract Anniversary after the Covered Person's 65th birthday. The Lifetime Income Amount is equal to 5% of the Guaranteed Withdrawal Balance on that Contract Anniversary (0.05 X $84,000 = $4,200). In this example, since withdrawals were taken prior to the Contract Anniversary following the Contract Year in which the Covered Person has reached age 65, the initial Lifetime Income Amount is less than the Guaranteed Withdrawal Amount.

<sup>D</sup> At the Covered Person's age 65, the Guaranteed Withdrawal Amount and the Lifetime Income Amount are not equal. The Guaranteed Withdrawal Amount of $6,000 can continue to be taken until the Guaranteed Withdrawal Balance reduces to zero. Or the Lifetime Income Amount of $4,200 can be taken as long as the Covered Person is alive. This example shows Lifetime Income Amount withdrawals beginning at age 65.

------

**Example 7.** Assume the rider was issued on the Contract Date, and assume premiums of $10,000 annually beginning at Covered Person's age 53 and premiums ending at age 64, no withdrawals are taken until age 65, and the Contract Value is less than the Guaranteed Withdrawal Balance at the eligible step-up dates, so there is no step-up.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Premiums** | **Guaranteed Withdrawal Amount** | **Lifetime Income Amount** | **Withdrawal Taken** | **Bonus** | **Guaranteed Withdrawal Balance** |
| 1 | $10000 | $500 | N/A | $0 | $500 | $10000 |
| 2 | 10000 | 1025 | N/A | 0 | 1000<sup>A</sup> | 20500 |
| 3 | 10000 | 1575 | N/A | 0 | 1500 | 31500 |
| 4 | 10000 | 2150 | N/A | 0 | 2000 | 43000 |
| 5 | 10000 | 2750 | N/A | 0 | 2500 | 55000 |
| 6 | 10000 | 3375 | N/A | 0 | 3000 | 67500 |
| 7 | 10000 | 4025 | N/A | 0 | 3500 | 80500 |
| 8 | 10000 | 4700 | N/A | 0 | 4000 | 94000 |
| 9 | 10000 | 5400 | N/A | 0 | 4500 | 108000 |
| 10 | 10000 | 6125 | N/A | 0 | 5000 | 122500 |
| 11 | 10000 | 6875 | N/A | 0 | 0<sup>B</sup> | 137500 |
| 12 | 10000 | 7375 | N/A | 0 | 0 | 147500 |
| 13 | 0 | 7375 | $7375<sup>C</sup> | 7375 | 0 | 147500 |

---

<sup>A</sup> There is no withdrawal during the second Contract Year so a bonus will be added to the Guaranteed Withdrawal Balance. The bonus is equal to 5% of the total premiums paid to date (0.05 X $20,000 = $1,000).

<sup>B</sup> The bonus is applied in the first 10 years following the rider effective date (and up to age 80 of the covered person) so the bonus is 0 in years 11 and on.

<sup>C</sup> The Lifetime Income Amount is calculated on the Contract Anniversary after the Covered Person's 65th birthday. The Lifetime Income Amount is equal to 5% of the Guaranteed Withdrawal Balance on that Contract Anniversary (0.05 X $147,500 = $7,375). At this point, the Lifetime Income Amount is payable until the death of the Covered Person.

------

**Example 8.** Assume a single premium of $100,000 at age 64 with a Rider Effective Date of June 1, 2012, no additional premiums are made, the Guaranteed Withdrawal Balance steps-up at the end of Contract Year 2, withdrawals equal to the Guaranteed Withdrawal Amount are taken in Contract Years 1, 2, 3 and 4 and a withdrawal exceeding the Guaranteed Withdrawal Amount is taken at the end of Contract Year 5 which results in a reset. Since withdrawals are taken every year, there are no bonuses.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Premiums** | **Guaranteed Withdrawal Amount** | **Lifetime Income Amount** | **Withdrawal Taken** | **Hypothetical Contract Value** | **Guaranteed Withdrawal Balance** |
| 1 | $100000 | $5000 | N/A | $5000 | $94523 | $100000 |
| 2 | 0 | 5000 | $4750<sup>A</sup> | 5000 | 102971 <sup>B</sup> | 95000 |
| 3 | 0 | 5148 <sup>C</sup> | 5148<sup>C</sup> | 5148 | 97001 | 102971<sup>B</sup> |
| 4 | 0 | 5148 | 5148 | 5148 | 91854 | 97823 |
| 5 | 0 | 5148 | 5148 | 10000<sup>D</sup> | 77867 | 92675 |
| 6 | 0 | 3893<sup>D</sup> | 3893<sup>D</sup> | 3893 | 71398 | 77867<sup>D</sup> |

---

<sup>A</sup> The Lifetime Income Amount is calculated on the Contract Anniversary after the Covered Person's 65th birthday. The Lifetime Income Amount is equal to 5% of the Guaranteed Withdrawal Balance on that Contract Anniversary (0.05 X $95,000 = $4,750). In this example, since withdrawals were taken prior to the Contract Anniversary following the Contract Year in which the Covered Person has reached age 65, the initial Lifetime Income Amount is less than the Guaranteed Withdrawal Amount.

<sup>B</sup> At the end of Contract Year 2, the Contract Value in this example, $102,971 is greater than the Guaranteed Withdrawal Balance ($95,000 - $5,000 = $90,000). The Guaranteed Withdrawal Balance will step-up to equal the Contract Value of $102,971.

<sup>C</sup> Following the Step-up of the Guaranteed Withdrawal Balance, the Guaranteed Withdrawal Amount is recalculated as the greater of (a) the Guaranteed Withdrawal Amount prior to the Step-up ($5,000) or (b) 5% of the Guaranteed Withdrawal Balance after the Step-up (0.05 X $102,971 = $5,148). The Lifetime Income Amount is also recalculated as the greater of (a) the Lifetime Income Amount prior to the Step-up ($4,750) or (b) 5% of the Guaranteed Withdrawal Balance after the Step-up (0.05 X $102,971 = $5,148).

<sup>D</sup> At the end of year 5, there is a withdrawal of $10,000, which is greater than both the Guaranteed Withdrawal Amount and the Lifetime Income Amount. Since this is an Excess Withdrawal, the Guaranteed Withdrawal Balance will be reset to the lesser of (a) the Contract Value after the withdrawal ($77,867) or (b) the Guaranteed Withdrawal Balance prior to the withdrawal minus the amount of the withdrawal ($92,675 - $10,000 = $82,675). Since the Guaranteed Withdrawal Balance was reset, the Guaranteed Withdrawal Amount and the Lifetime Income Amount will both be reset. The Guaranteed Withdrawal Amount will equal the lesser of (a) the Guaranteed Withdrawal Amount prior to the withdrawal ($5,148) or (b) 5% of the greater of the Contract Value after the withdrawal or the new Guaranteed Withdrawal Balance Value (0.05 X $77,867 = $3,893). The Lifetime Income Amount will equal the lesser of (a) the Lifetime Income Amount prior to the withdrawal ($5,148) or (b) 5% of the greater of the Contract Value after the withdrawal or the new Guaranteed Withdrawal Balance Value (0.05 X $77,867 = $3,893).

------

**Example 9.** Assume the rider was issued on the Contract Date, June 1, 2012, and assume a single premium of $50,000 at Covered Person's age 50, no additional premiums are paid, a withdrawal of $10,000 is taken at the end of Contract Year 5 and no other withdrawals are taken.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Contract Year** | **Premiums** | **Guaranteed Withdrawal Amount** | **Lifetime Income Amount** | **Withdrawal Taken** | **Bonus** | **Guaranteed Withdrawal Balance** |
| 1 | $50000 | $2500 | N/A | $0 | $2500<br> $47300<sup>A</sup> | $50000 |
| 2 | 0 | 2625 | N/A | 0 | 2500<br> 49671<sup>A</sup> | 52500 |
| 3 | 0 | 2750 | N/A | 0 | 2500<br> 51802<sup>A</sup> | 55000 |
| 4 | 0 | 2875 | N/A | 0 | 2500<br> 52711<sup>A</sup> | 57500 |
| 5 | 0 | 3000 | N/A | 10000<sup>B</sup> | 0<br> 45326<sup>B</sup> | 60000 |
| 6 | 0 | 2266<sup>B</sup> | N/A | 0 | 2266<sup>C</sup><br> 45141<sup>A</sup> | 45326<sup>B</sup> |
| 7 | 0 | 2379 | N/A | 0 | 2266<br> 46151 <sup>A</sup> | 47592 |
| 8 | 0 | 2492 | N/A | 0 | 2266<br> 47128 <sup>A</sup> | 49858 |
| 9 | 0 | 2606 | N/A | 0 | 2266<br> 52009<sup>A</sup> | 52124 |
| 10 | 0 | 2719 | N/A | 0 | 2266<br> 53982<sup>A</sup> | 54390 |

---

<sup>A</sup> The Contract Value on the contract anniversary is less than the Guaranteed Withdrawal Balance so no step-up occurs.

<sup>B</sup> At the end of year 5, there is a withdrawal of $10,000. Since this is an Excess Withdrawal, the Guaranteed Withdrawal Balance will be reset to the lesser of (a) the Contract Value after the withdrawal ($45,326) or (b) the Guaranteed Withdrawal Balance prior to the withdrawal minus the amount of the withdrawal ($60,000 - $10,000 = $50,000). Since the Guaranteed Withdrawal Balance was reset, the Guaranteed Withdrawal Amount will be reset. The Lifetime Income Amount has not been calculated yet so it will not be reset. The Guaranteed Withdrawal Amount will equal the lesser of (a) the Guaranteed Withdrawal Amount prior to the withdrawal ($3,000) or (b) 5% of the greater of the Contract Value after the withdrawal or the new Guaranteed Withdrawal Balance (0.05 X $45,326 = $2,266).

<sup>C</sup> There is no withdrawal during the sixth Contract Year so a bonus will be added to the Guaranteed Withdrawal Balance. Because a reset has occurred due to an Excess Withdrawal, the bonus will be 5% of the previously stepped-up or reset Guaranteed Withdrawal Balance (0.05 X $45,326= $2,266).

------

To learn more about the Contract and the Variable Account, you should read the Statement of Additional Information (SAI) dated the same date as this prospectus. For a free copy of the SAI and to request other information about the Contract, please write to Us at Our Variable Administration Department, P.O. Box 219364, Kansas City, Missouri, or call Us at (800)-616-3670.

The SAI has been filed with the SEC and is incorporated by reference into this prospectus. The SEC maintains an Internet website (http://www.sec.gov) that contains the SAI and other information about Us and the Contract. Information about Us and the Contract (including the SAI) may also be reviewed and copied at the SEC's Public Reference Room in Washington, D.C., or may be obtained, upon payment of a duplicating fee, by electronic request at the email address maintained by the SEC (publicinfo@sec.gov). Additional information on the operation of the Public Reference Room may be obtained by calling the SEC at 1-202-551-8090.

#### Investment Company Act of 1940 Registration File No. 811-08994
Contract Identifier C000024866

![](image1.gif)

#### 3520 Broadway Kansas City, Missouri 64111
*Kansas City Life's Century II Variable Product Series is distributed by Sunset Financial Services, Inc., a wholly owned subsidiary of Kansas City Life Insurance Company.*

------

#### Kansas City Life Insurance Company

#### 3520 Broadway

#### P.O. Box 219364

#### Kansas City, Missouri 64121-9364
(800) 616-3670

#### Statement of Additional Information

#### Kansas City Life Variable Annuity Separate Account

#### Individual Flexible Premium Deferred Variable Annuity Contract
This Statement of Additional Information contains information in addition to the information described in the Prospectus for an individual flexible premium deferred variable annuity contract ("Contract") we offer. This Statement of Additional Information is not a Prospectus and you should read it only in conjunction with the Prospectus for the Contract and the prospectuses for the Funds. The Prospectus is dated the same as this Statement of Additional Information. Terms defined in the Prospectus have the same meaning in this Statement of Additional Information. You may obtain a copy of the Prospectus by writing or calling Kansas City Life at the address or phone number shown above.

Kansas City Life's financial statements and the financial statements for the Variable Account are incorporated into this Statement of Additional Information by reference to the Variable Account's Form [N-VPFS](https://www.sec.gov/Archives/edgar/data/940338/000094033826000012/vanvpfs-2026.htm), File No. 811-08994, filed with the SEC on April 28, 2026.

#### The date of this Statement of Additional Information is May 1, 2026.

------

**---

| | |
|:---|:---|
| **STATEMENT OF ADDITIONAL INFORMATION **TABLE OF CONTENTS**** | **STATEMENT OF ADDITIONAL INFORMATION **TABLE OF CONTENTS**** |
| [**KANSAS CITY LIFE AND THE VARIABLE ACCOUNT**](#KANSASCITYLIFEANDTHEVARIA) | 1 |
| [KANSAS CITY LIFE INSURANCE COMPANY](#SAIKANSASCITYLIFEINSURANCECO) | 1 |
| [KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT](#saiKANSASCITYLIFEVARIABLEANN) | 1 |
| [**ADDITIONAL CONTRACT PROVISIONS**](#ADDITIONALCONTRACTPROVISI) | 1 |
| [THE CONTRACT](#THECONTRACT) | 1 |
| [INCONTESTABILITY](#INCONTESTABILITY) | 1 |
| [MISSTATEMENT OF AGE OR SEX](#MISSTATEMENTOFAGEORSEX) | 1 |
| [NON-PARTICIPATION](#NON-PARTICIPATION) | 1 |
| [TAX STATUS OF THE CONTRACTS](#TAXSTATUSOFTHECONTRACTS) | 1 |
| [**CONTROL OF THE CONTRACT**](#CONTROLOFTHECONTRACT) | 2 |
| [OWNERSHIP](#OWNERSHIP) | 2 |
| [CHANGE OF OWNERSHIP](#CHANGEOFOWNERSHIP) | 2 |
| [ASSIGNMENT](#ASSIGNMENT) | 2 |
| [BENEFICIARY](#BENEFICIARY) | 3 |
| [SIMULTANEOUS DEATH OF BENEFICIARY AND ANNUITANT](#SIMULTANEOUSDEATHOFBENEFI) | 3 |
| [SALE OF THE CONTRACTS](#SsaiALEOFTHECONTRACTS) | 3 |
| [**CALCULATION OF YIELDS AND TOTAL RETURNS**](#CALCULATIONOFYIELDSANDTOT) | 4 |
| [FEDERATED HERMES GOVERNMENT MONEY FUND II SUBACCOUNT YIELDS](#FEDERATEDHERMESGOVERNMENT) | 4 |
| [OTHER SUBACCOUNT YIELDS](#OTHERSUBACCOUNTYIELDS) | 5 |
| [STANDARD SUBACCOUNT AVERAGE ANNUAL TOTAL RETURNS](#STANDARDSUBACCOUNTAVERAGE) | 5 |
| [OTHER TOTAL RETURNS](#OTHERTOTALRETURNS) | 5 |
| [**SAFEKEEPING OF ACCOUNT ASSETS**](#SAFEKEEPINGOFACCOUNTASSET) | 5 |
| [**STATE REGULATION**](#STATEREGULATION) | 6 |
| [**RECORDS AND REPORTS**](#RECORDSANDREPORTS) | 6 |
| [**LEGAL MATTERS**](#LEGALMATTERS) | 6 |
| [**EXPERTS**](#EXPERTS) | 6 |
| [**OTHER INFORMATION**](#OTHERINFORMATION) | 6 |
| [**FINANCIAL STATEMENTS**](#saiFINANCIALSTATEMENTS) | 6 |

---

**

------

#### KANSAS CITY LIFE AND THE VARIABLE ACCOUNT

#### KANSAS CITY LIFE INSURANCE COMPANY
Kansas City Life Insurance Company is a stock life insurance company, which was organized under the laws of the State of Missouri on May 1, 1895. Kansas City Life is currently licensed to transact life insurance business in 49 states and the District of Columbia.

We are regulated by the Department of Insurance of the State of Missouri as well as by the insurance departments of all other states and jurisdictions in which we do business. We submit annual statements on our operations and finances to insurance officials in such states and jurisdictions. We also file the forms for the Contract described in this Prospectus with insurance officials in each state and jurisdiction in which Contracts are sold.

#### KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT
We established the Variable Account as a separate investment account under Missouri law on January 23, 1995. This Variable Account supports the Contracts and may be used to support other variable annuity insurance contracts and for other purposes as permitted by law. The Variable Account is registered with the Securities and Exchange Commission ("SEC") as a unit investment trust under the Investment Company Act of 1940 (the "1940 Act") and is a "separate account" within the meaning of the federal securities laws. We have established other separate investment accounts that may also be registered with the SEC.

The Variable Account is divided into Subaccounts. The Subaccounts available under the Contract invest in shares of corresponding Fund Portfolios. The Variable Account may include other Subaccounts not available under the Contracts and not otherwise discussed in this Prospectus. We own the assets in the Variable Account.

#### ADDITIONAL CONTRACT PROVISIONS

#### THE CONTRACT
The entire Contract is made up of the contract and the application. The statements made in the application are deemed representations and not warranties. We cannot use any statement to deny a claim or to void the Contract unless it is in the application and we attach a copy of the application to the Contract at issue.

#### INCONTESTABILITY
We will not contest the Contract after it has been in force during the Annuitant's lifetime for two years from the Contract Date of the Contract.

#### MISSTATEMENT OF AGE OR SEX
If the age or sex of the Annuitant has been misstated, the amount that we will pay is the amount that the Proceeds would have purchased at the correct age and sex.

If we make an overpayment because of an error in age or sex, the overpayment plus interest at 3% (compounded annually) will be a debt against the Contract. If you do not repay this amount, we will reduce future payments accordingly.

If an underpayment is made because of an error in age or sex, we will calculate any annuity payments at the correct age and sex and we will adjust future payments. We will pay the underpayment with interest at 3% (compounded annually) in a single sum.

#### NON-PARTICIPATION
The Contract is not eligible for any dividends and will not participate in our surplus earnings.

#### TAX STATUS OF THE CONTRACTS
Tax law imposes several requirements that variable annuities must satisfy in order to receive the tax treatment normally accorded to annuity contracts.

------

***Diversification Requirements****.* The Internal Revenue Code ("Code") requires that the investments of each investment division of the separate account underlying the Contracts be "adequately diversified" in order for the Contracts to be treated as annuity contracts for federal income tax purposes. It is intended that the Variable Account, through each Portfolio of the Funds, will satisfy these diversification requirements.

***Owner Control***. In certain circumstances, owners of variable annuity contracts have been considered, for federal income tax purposes, to be the owners of the assets of the separate account supporting their contracts due to their ability to exercise investment control over those assets. When this is the case, the contract owners have been currently taxed on income and gains attributable to the variable account assets. There is little guidance in this area, and some features of the Contract, such as the flexibility of an Owner to allocate premium payments and transfer amounts among the investment divisions of the separate account, have not been explicitly addressed in published rulings. While we believe that the Contract does not give an Owner investment control over separate account assets, we reserve the right to modify the Contract as necessary to prevent an Owner from being treated as the owner of the separate account assets supporting the Contract.

***Required Distributions****.* In order to be treated as an annuity contract for federal income tax purposes, section 72(s) of the Code requires any Non-Qualified Contract to contain certain provisions specifying how your interest in the Contract will be distributed in the event of the death of an Owner of the Contract. Specifically, section 72(s) requires that: (a) if any Owner dies on or after the annuity starting date, but prior to the time the entire interest in the Contract has been distributed, the entire interest in the Contract will be distributed at least as rapidly as under the method of distribution being used as of the date of such Owner's death; and (b) if any Owner dies prior to the annuity starting date, the entire interest in the Contract will be distributed within five years after the date of such Owner's death. These requirements will be considered satisfied as to any portion of an Owner's interest which is payable to or for the benefit of a designated Beneficiary and which is distributed over the life of such designated Beneficiary or over a period not extending beyond the life expectancy of that Beneficiary, provided that such distributions begin within one year of the Owner's death. The designated Beneficiary refers to a natural person designated by the Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death. However, if the designated Beneficiary is the surviving spouse of the deceased Owner, the Contract may be continued with the surviving spouse as the new Owner.

The Non-Qualified Contracts contain provisions that are intended to comply with these Code requirements, although no regulations interpreting these requirements have yet been issued. We intend to review such provisions and modify them if necessary to assure that they comply with the applicable requirements when such requirements are clarified by regulation or otherwise.

Other rules may apply to Qualified Contracts.

#### CONTROL OF THE CONTRACT

#### OWNERSHIP
The Annuitant is the Owner unless otherwise provided in the application. As Owner, you may exercise every right provided by your Contract. These rights and privileges end at the Annuitant's death.

The consent of the Beneficiary is required to exercise these rights if you have not reserved the right to change the Beneficiary.

#### CHANGE OF OWNERSHIP
You may change the ownership of this Contract by giving Written Notice to us. The change will be effective on the date your Written Notice was signed but will have no effect on any payment made or other action taken by us before we receive it. We may require that the Contract be submitted for endorsement to show the change.

Certain federal income tax consequences may apply to a change of ownership on Non-Qualified Contracts. You should consult with your tax adviser before requesting any changes of ownership on a Non-Qualified Contract.

#### ASSIGNMENT
An assignment is a transfer of some or all of your rights under this Contract. No assignment will be binding on us unless made in writing and filed at our Home Office. We assume no responsibility for the validity or effect of any assignment.

Certain federal income tax consequences may apply to an assignment. You should consult with your tax adviser before requesting an assignment.

------

#### BENEFICIARY
The Beneficiary is shown on the application or in the last Beneficiary designation filed with us. Death benefit Proceeds will be paid to the Beneficiary except as provided below.

If any Beneficiary dies before the Annuitant, that Beneficiary's interest will pass to any other Beneficiaries according to their respective interest.

If all Beneficiaries die before the Annuitant, we will pay death benefit Proceeds to you, if living, otherwise to your estate or legal successors.

Unless you have waived the right to do so, you may change the Beneficiary by filing a Written Notice in a form satisfactory to us. In order to be effective, the Written Notice for change of Beneficiary must be signed while your Contract is in force and the Annuitant is living. The change will be effective on the date your Written Notice was signed but will have no effect on any payment made or other action taken by us before we receive it.

The interest of any Beneficiary will be subject to:

&nbsp;&nbsp;&nbsp;&nbsp;• any assignment of this Contract which is binding on us; and

&nbsp;&nbsp;&nbsp;&nbsp;• any optional settlement agreement in effect at the Annuitant's death.

#### SIMULTANEOUS DEATH OF BENEFICIARY AND ANNUITANT
We will pay death benefit Proceeds as though the Beneficiary died before the Annuitant if:

&nbsp;&nbsp;&nbsp;&nbsp;• the Beneficiary dies at the same time as or within 15 days of the Annuitant's death; and

&nbsp;&nbsp;&nbsp;&nbsp;• we have not paid the Proceeds to the Beneficiary within this 15-day period.

#### SALE OF THE CONTRACTS
We offer the Contracts to the public on a continuous basis through Sunset Financial Services, Inc. ("Sunset Financial"). We anticipate continuing to offer the Contracts, but reserve the right to discontinue the offering.

Sunset Financial is responsible for distributing the Contracts pursuant to an Underwriting Agreement with us. Sunset Financial serves as principal underwriter for the Contracts. Sunset Financial, incorporated in the state of Washington on April 23, 1964, is a wholly owned subsidiary of Kansas City Life Insurance Company, and has its principal business address at P.O. Box 219365, Kansas City, Missouri 64121-9365. Sunset Financial is registered as a broker-dealer with the Securities and Exchange Commission under the Securities Exchange Act of 1934 (the "1934 Act"), and is a member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). Sunset Financial is a member of the Securities Investor Protection Corporation.

Sunset Financial will enter into selling agreements with other broker-dealers for sales of the Contracts through their registered representatives. Registered representatives must be licensed as insurance agents and appointed by us.

We pay commissions on behalf of Sunset Financial to Sunset Financial and other non-affiliated broker-dealers who have entered into selling agreements with Sunset Financial for sales of the Contracts.

Sunset Financial received sales compensation with respect to the variable contracts issued by Kansas City Life through Kansas City Life Variable Annuity Separate Account in the following amounts during the periods indicated, of which Sunset Financial retained the full amount:

---

| | |
|:---|:---|
| Fiscal Year | Aggregate Amount of Commissions Paid to and Retained by Sunset Financial |
| 2023 | $117253.97 |
| 2024 | $122838.58 |
| 2025 | $131022.14 |

---

As described in the Prospectus for the Contract, we provide sales compensation to other broker-dealers that entered into selling agreements to sell the Contracts through their registered representatives ("selling firms"). In 2025, the selling firms listed below received the largest payments, ranging from $71,002.02 to $1,026,890.70, with respect to the variable contracts issued by Kansas City Life through Kansas City Life Variable Annuity Separate Account. Selling firms for which total payments of less than $15,000 were made during each of the last three fiscal years have been omitted.

---

| |
|:---|
| Selling Firm |
| Osaic |
| CreativeOne |
| United Planners |

---

------

#### CALCULATION OF YIELDS AND TOTAL RETURNS
From time to time, we may disclose yields, total returns, and other performance data pertaining to the Contracts for a Subaccount. Such performance data will be computed, or accompanied by performance data computed, in accordance with the standards defined by the Securities and Exchange Commission ("SEC").

Because of the charges and deductions imposed under a Contract, the yield for the Subaccounts will be lower than the yield for their respective Portfolios. The calculations of yields, total returns, and other performance data do not reflect the effect of any premium tax that may be applicable to a particular Contract. Premium taxes currently range from 0% to 3.5% of premium based on the state in which the Contract is sold.

#### FEDERATED HERMES GOVERNMENT MONEY FUND II SUBACCOUNT YIELDS
From time to time, advertisements and sales literature may quote the current annualized yield of the Federated Hermes Government Money Fund II Subaccount for a seven-day period in a manner that does not take into consideration any realized or unrealized gains or losses, or income other than investment income, on shares of the Federated Hermes Government Money Fund II or on its portfolio securities.

This current annualized yield is computed by determining the net change (exclusive of realized gains and losses on the sale of securities and unrealized appreciation and depreciation and exclusive of income other than investment income) at the end of the seven-day period in the value of a hypothetical account under a Contract having a balance of one unit of the Federated Hermes Government Money Fund II Subaccount at the beginning of the period, dividing such net change in account value by the value of the hypothetical account at the beginning of the period to determine the base period return, and annualizing this quotient on a 365-day basis.

The net change in account value reflects:

&nbsp;&nbsp;&nbsp;&nbsp;• net income from the Federated Hermes Government Money Fund II attributable to the hypothetical account; and

&nbsp;&nbsp;&nbsp;&nbsp;• charges and deductions imposed under the Contract which are attributable to the hypothetical account.

The charges and deductions include the per unit charges for the hypothetical account for:

&nbsp;&nbsp;&nbsp;&nbsp;• the asset-based administration charge; and

&nbsp;&nbsp;&nbsp;&nbsp;• the mortality and expense risk charge.

Because of the charges and deductions imposed under the Contract, the yield for the Federated Hermes Government Money Fund II Subaccount will be lower than the yield for the Federated Hermes Government Money Fund II.

The current and effective yields on amounts held in the Federated Hermes Government Money Fund II Subaccount normally will fluctuate on a daily basis. **Therefore, the disclosed yield for any given past period is not an indication or representation of future yields or rates of return**. The Federated Hermes Government Money Fund II Subaccount's actual yield is affected by:

&nbsp;&nbsp;&nbsp;&nbsp;• changes in interest rates on money market securities;

&nbsp;&nbsp;&nbsp;&nbsp;• average portfolio maturity of the Federated Hermes Government Money Fund II;

&nbsp;&nbsp;&nbsp;&nbsp;• the types and quality of portfolio securities held by the Federated Hermes Government Money Fund II; and

&nbsp;&nbsp;&nbsp;&nbsp;• the Federated Hermes Government Money Fund II's operating expenses.

Yields on amounts held in the Federated Hermes Government Money Fund II Subaccount may also be presented for periods other than a seven-day period.

------

#### OTHER SUBACCOUNT YIELDS
From time to time, sales literature or advertisements may quote the current annualized yield of one or more of the Subaccounts (except the Federated Hermes Government Money Fund II Subaccount) for a Contract for 30-day or one-month periods. The annualized yield of a Subaccount refers to income generated by the Subaccount during a 30-day or one-month period that is assumed to be generated each period over a 12-month period.

The yield is computed by:

&nbsp;&nbsp;&nbsp;&nbsp;• dividing the net investment income of the Portfolio attributable to the Subaccount units less Subaccount expenses for the period; by

&nbsp;&nbsp;&nbsp;&nbsp;• the maximum offering price per unit on the last day of the period times the daily average number of units outstanding for the period; by

&nbsp;&nbsp;&nbsp;&nbsp;• compounding that yield for a six-month period; and by

&nbsp;&nbsp;&nbsp;&nbsp;• multiplying that result by two. Expenses attributable to the Subaccount include the asset-based administration charge and mortality and expense risk charge.

Because of the charges and deductions imposed under the Contracts, the yield for the Subaccount will be lower than the yield for the corresponding Fund's Portfolio.

The yield on the amounts held in the Subaccounts normally will fluctuate over time. **Therefore, the disclosed yield for any given past period is not an indication or representation of future yields or rates of return**. A Subaccount's actual yield is affected by the types and quality of portfolio securities held by the corresponding Portfolio and its operating expenses.

#### STANDARD SUBACCOUNT AVERAGE ANNUAL TOTAL RETURNS
From time to time, sales literature or advertisements may also quote standard subaccount average annual total returns for the Subaccounts for various periods of time.

When a Subaccount has been in operation for one, five and 10 years, respectively, the standard subaccount average annual total return for these periods will be provided. Standard subaccount average annual total returns for other periods of time may, from time to time, also be disclosed.

Standard subaccount average annual total returns represent the average annual compounded rates of return that would equate an initial investment of $10,000 under a Contract to the redemption value of that investment as of the last day of each of the periods. The ending date for each period for which total return quotations are provided will be for the most recent month-end practicable, considering the type and media of the communication that will be stated in the communication.

We will calculate standard subaccount average annual total returns using Subaccount unit values which we calculate on each valuation day based on:

&nbsp;&nbsp;&nbsp;&nbsp;• the performance of the Subaccount's underlying Portfolio;

&nbsp;&nbsp;&nbsp;&nbsp;• the deduction fee for the asset-based administration charge; and

&nbsp;&nbsp;&nbsp;&nbsp;• mortality and expense risk charge.

#### OTHER TOTAL RETURNS
***Adjusted Historic Portfolio Average Annual Total Return***. From time to time, sales literature or advertisements may also quote total returns for periods prior to the date the Variable Account began operations. Such performance information will be calculated based on the performance of the Portfolios and the assumption that the Subaccounts were in existence for the same periods as those indicated for the Portfolios, with the level of Contract charges currently in effect.

#### SAFEKEEPING OF ACCOUNT ASSETS
We hold the title to the assets of the Variable Account. The assets are kept physically segregated and held separate and apart from our Account assets and from the assets in any other separate account.

Records are maintained of all purchases and redemptions of Portfolio shares held by each of the Subaccounts.

Our officers and employees are covered by an insurance company blanket bond issued by Fidelity and Deposit Company of Maryland to Kansas City Life in the amount of $5,000,000. The bond insures against dishonest and fraudulent acts of officers and employees.

------

**#### STATE REGULATION
We are subject to regulation and supervision by the Department of Insurance of the State of Missouri, which periodically examines our affairs. We are also subject to the insurance laws and regulations of all jurisdictions where we are authorized to do business. A copy of the Contract form has been filed with, and where required approved by, insurance officials in each jurisdiction where the Contracts are sold. We are required to submit annual statements of our operations, including financial statements, to the insurance departments of the various jurisdictions in which we do business for the purposes of determining solvency and compliance with local insurance laws and regulations.** 

#### RECORDS AND REPORTS
We will retain all records and accounts relating to the Variable Account. As presently required by the Investment Company Act of 1940 and regulations promulgated thereunder, reports containing such information as may be required under the Act or by any other applicable law or regulation will be sent to Contract Owners semi-annually at the Owner's last known address of record.

#### LEGAL MATTERS
All matters relating to Missouri law pertaining to the Contracts, including the validity of the Contracts and Kansas City Life's authority to issue the Contracts, have been passed upon by A. Craig Mason Jr., General Counsel of Kansas City Life. Eversheds Sutherland (US) LLP of Washington, D.C. has provided legal advice on certain matters relating to the federal securities laws.

#### EXPERTS
The consolidated financial statements of Kansas City Life Insurance Company as of December 31, 2025 and 2024 and for each of the years in the three-year period ended December 31, 2025; the statement of net assets of the Kansas City Life Variable Annuity Separate Account (Variable Account) as of December 31, 2025, and the related statement of operations for the year then ended, the statements of changes in net assets for each of the years in the two-year period then ended and financial highlights for each of the years in the five-year period then ended, are incorporated into the Statement of Additional Information by reference to the Variable Account's Form [N-VPFS](https://www.sec.gov/Archives/edgar/data/940338/000094033826000012/vanvpfs-2026.htm), File No. 811-08994, filed with the SEC on April 28, 2026 in reliance upon the report of Forvis Mazars, LLP, independent registered public accounting firm, appearing elsewhere herein, and upon the authority of said firm as experts in accounting and auditing.

#### OTHER INFORMATION
A registration statement has been filed with the SEC under the Securities Act of 1933, as amended, with respect to the Contracts discussed in this Statement of Additional Information. Not all the information set forth in the registration statement, amendments and exhibits thereto has been included in this Statement of Additional Information. Statements contained in this Statement of Additional Information concerning the content of the Contracts and other legal instruments are intended to be summaries. For a complete statement of the terms of these documents, reference should be made to the instruments filed with the SEC.

#### FINANCIAL STATEMENTS
The audited statements of assets and liabilities of the subaccounts that comprise the Kansas City Life Variable Annuity Separate Account as of December 31, 2025 and the related statements of operations for the year or period then ended, and the statements of changes in net assets for each of the years or periods in the two-year period then ended as well as the Report of Independent Registered Public Accounting Firm are incorporated into the Statement of Additional Information by reference to the Variable Account's Form [N-VPFS](https://www.sec.gov/Archives/edgar/data/940338/000094033826000012/vanvpfs-2026.htm), File No. 811-08994, filed with the SEC on April 28, 2026.

The audited consolidated balance sheets as of December 2025 and 2024 and the related consolidated statements of comprehensive income, stockholders' equity, and cash flows for each of the years in the three-year period ended December 31, 2025 of Kansas City Life Insurance Company, as well as the Independent Auditor's Report, are incorporated into the Statement of Additional Information by reference to the Variable Account's Form [N-VPFS](https://www.sec.gov/Archives/edgar/data/940338/000094033826000012/vanvpfs-2026.htm), File No. 811-08994, filed with the SEC on April 28, 2026. Kansas City Life's audited consolidated financial statements should be considered only as bearing on its ability to meet its obligations under the Contracts. They should not be considered as bearing on the investment performance of the assets held in the Variable Account.

Kansas City Life's consolidated financial statements should be distinguished from financial statements of the Variable Account. You should consider Kansas City Life's consolidated financial statements only as an indication of Kansas City Life's ability to meet its obligations under the Contracts. Please note that in addition to Fixed Account allocations, general account assets are used to guarantee the payment of living and death benefits under the Contracts. To the extent that Kansas City Life is required to pay you amounts in addition to your Contract Value under these benefits, such amounts will come from general account assets. You should be aware that Kansas City Life's invested assets, primarily including fixed income securities, are subject to customary risks of credit defaults and changes in fair value. Factors that may affect the overall default rate on and fair value of Kansas City Life's invested assets include interest rate levels and changes, availability and cost of liquidity, financial market performance, and general economic conditions, as well as particular circumstances affecting the businesses of individual borrowers and tenants. Kansas City Life's consolidated financial statements include a further discussion of risks inherent within general account investments. However, you should not consider Kansas City Life's consolidated financial statements as having an effect on the investment performance of the assets held in the Variable Account.

------

#### PART C

#### &nbsp;&nbsp;&nbsp;&nbsp; OTHER INFORMATION

**#### Item 27. Financial Statements and Exhibits
&nbsp;&nbsp;&nbsp;&nbsp;(a) Board of Directors Resolutions.

Resolutions of the board of directors of Kansas City Life Insurance Company ("Kansas City Life") establishing Kansas City Life Variable Annuity Separate Account (the "Variable Account"). (1)

&nbsp;&nbsp;&nbsp;&nbsp;(b) Custodian Agreements.

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;(c) Underwriting Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) [Distribution Agreement between Kansas City Life Insurance Company and Sunset Financial Services, Inc.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/distributionagreement.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) [Amendment to Distribution Agreement between Kansas City Life Insurance Company and Sunset Financial Services, Inc.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/amendmenttodistributionagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;(d) Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) [Contract Form J159.](https://www.sec.gov/Archives/edgar/data/940338/000094033802000018/kclnscvactrtfminit2002.htm) (4)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) [Form of GMWB Rider and Schedule Pages.](https://www.sec.gov/Archives/edgar/data/940338/000120928607000136/century_ex4b.txt) (6)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) [Contract Form J187.](https://www.sec.gov/Archives/edgar/data/940338/000094033811000029/contractformj187.htm) (10)

&nbsp;&nbsp;&nbsp;&nbsp;(e) Applications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) [Contract Application.](https://www.sec.gov/Archives/edgar/data/940338/000094033800000005/0000940338-00-000005-0005.txt) (3)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) [ICC17A165.](https://www.sec.gov/Archives/edgar/data/940338/000094033822000004/icc17a165.htm) (15)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) [A182.](https://www.sec.gov/Archives/edgar/data/940338/000094033822000004/a182.htm) (15)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) [ICC21A200.](https://www.sec.gov/Archives/edgar/data/940338/000094033822000004/icc21a200.htm) (15)

&nbsp;&nbsp;&nbsp;&nbsp;(f) Insurance Company's Certificate of Incorporation and By-Laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Restated Articles of Incorporation of Kansas City Life. (1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) [By-Laws of Kansas City Life.](https://www.sec.gov/Archives/edgar/data/948972/000094897200000008/0000948972-00-000008-0006.txt) (2)

&nbsp;&nbsp;&nbsp;&nbsp;(g) Reinsurance Contracts.

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;(h) Participation Agreements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) [Participation Agreement between AIM Variable Insurance Funds, Inc., A I M Distributors Inc., Kansas City Life Insurance Company, and Sunset Financial Services, Inc.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/aimpartagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. [Amendment to Participation Agreement between AIM Variable Insurance Funds, Inc., A I M Distributors Inc., Kansas City Life Insurance Company, and Sunset Financial Services, Inc.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/aimpartagmtamd1.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. [Amendment to Participation Agreement between AIM Variable Insurance Funds, Inc., A I M Distributors Inc., Kansas City Life Insurance Company, and Sunset Financial Services, Inc.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/aimpartagmtamd2.htm) (7) 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. [Administrative Services Agreement between Kansas City Life Insurance Company and A I M Advisors, Inc.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/aimadminservagmt.htm) (7)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) [Participation Agreement between Kansas City Life Insurance Company, TCI Portfolios, Inc., and Investors Research Corporation.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/amcentpartagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. [Amendment to Participation Agreement between Kansas City Life Insurance Company, TCI Portfolios, Inc., and Investors Research Corporation.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/amcentpartagmtamd1.htm) (7)

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. [Amendment to Participation Agreement between Kansas City Life Insurance Company, TCI Portfolios, Inc., and Investors Research Corporation.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/amcentpartagmtamd2.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. [Amendment to Participation Agreement between Kansas City Life Insurance Company, TCI Portfolios, Inc., and Investors Research Corporation.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/amcentpartagmtamd3.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. [Novation Agreement between American Century Investment Services, Inc., American Century Services, LLC., and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/940338/000094033810000020/amcentnovationagmt.htm) (8)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. [Amendment to Fund Participation Agreement between Kansas City Life Insurance Company, American Century Investment Services, Inc., and American Century Services, LLC.](https://www.sec.gov/Archives/edgar/data/940338/000094033816000060/americancentury.htm) (13)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) [Amended and Restated Participation Agreement between Calamos Advisors Trust, Calamos Asset Management, Inc., Calamos Financial Services, Inc., and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/calamospartagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. [Amendment to Amended and Restated Participation Agreement between Calamos Advisors Trust, Calamos Asset Management, Inc., Calamos Financial Services, Inc., and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/calamospartagmtamd1.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. [Administrative Services Agreement between Calamos Asset Management, Inc. and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/calmosadmservagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) [Participation Agreement between Kansas City Life Insurance Company and each of Dreyfus Variable Investment Fund, The Dreyfus Socially Responsible Growth Fund, Inc. and Dreyfus Life and Annuity Index Fund, Inc. (d/b/a Dreyfus Stock Index Fund).](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/dreyfuspartagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. [Amendment to Participation Agreement between Kansas City Life Insurance Company and each of Dreyfus Variable Investment Fund, The Dreyfus Socially Responsible Growth Fund, Inc. and Dreyfus Life and Annuity Index Fund, Inc. (d/b/a Dreyfus Stock Index Fund).](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/dreyfuspartagmtamd.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. [Amendment to Fund Participation Agreement between Kansas City Life Insurance Company and each of Dreyfus Variable Investment Fund, The Dreyfus Socially Responsible Growth Fund, Inc. and Dreyfus Life and Annuity Index Fund, Inc. (d/b/a Dreyfus Stock Index Fund).](https://www.sec.gov/Archives/edgar/data/940338/000094033811000023/dreyfusamendment.htm) (9)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) [Participation Agreement between Federated Securities Corp., Federated Insurance Series, and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/940338/000094033810000020/federatedpartagmt.htm) (8)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. [Amendment to Participation Agreement between Federated Securities Corp., Federated Insurance Series, and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/940338/000094033810000020/federatedpartagmtamd1.htm) (8)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) [Participation Agreement between Variable Insurance Products Funds, Fidelity Distributors Corporation, and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/fidelitypartagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. [Amendment to Participation Agreement between Variable Insurance Products Funds, Fidelity Distributors Corporation, and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/fidelitypartagmtamd1.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. [Amendment to Participation Agreement between Variable Insurance Products Funds, Fidelity Distributors Corporation, and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/fidelitypartagmtamd2.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. [Amendment to Participation Agreement between Variable Insurance Products Funds, Fidelity Distributors Corporation, and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/940338/000094033810000020/fidelitypartagmtamd3.htm) (8)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. [Amendment to Participation Agreement between Variable Insurance Products Funds, Fidelity Distributors Corporation, and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/940338/000094033818000010/fidelity.htm) (14)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) [Participation Agreement between Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., Kansas City Life Insurance Company, and Sunset Financial Services, Inc.](https://www.sec.gov/Archives/edgar/data/0000940338/000094033810000020/0000940338-10-000020-index.htm) (8)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. [Amendment to Participation Agreement between Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., Kansas City Life Insurance Company, and Sunset Financial Services, Inc.](https://www.sec.gov/Archives/edgar/data/940338/000094033811000023/franklintempletonamendment.htm) (9)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. [Amendment to Participation Agreement between Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., Kansas City Life Insurance Company, and Sunset Financial Services, Inc.](https://www.sec.gov/Archives/edgar/data/940338/000094033814000023/franklintempelton.htm) (12)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(8) [Participation Agreement between Kansas City Life Insurance Company, JPMorgan Insurance Trust, JPMorgan Investment Advisors Inc., J. P. Morgan Investment Management Inc., and JPMorgan Funds Management, Inc.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/jpmpartagmt.htm) (7)

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(9) [Participation Agreement between MFS Variable Insurance Trust, Kansas City Life Insurance Company, and Massachusetts Financial Services Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/mfspartagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. [Amendment to Participation Agreement between MFS Variable Insurance Trust, Kansas City Life Insurance Company, and Massachusetts Financial Services Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/mfspartagmtamd1.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. [Amendment to Participation Agreement between MFS Variable Insurance Trust, Kansas City Life Insurance Company, and Massachusetts Financial Services Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/mfspartagmtamd2.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. [Amendment to Participation Agreement between MFS Variable Insurance Trust, Kansas City Life Insurance Company, and Massachusetts Financial Services Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/mfspartagmtamd3.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. [Amendment to Participation Agreement between MFS Variable Insurance Trust, Kansas City Life Insurance Company, and Massachusetts Financial Services Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/mfspartagmtamd4.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(10) [Participation Agreement between Seligman Portfolios, Inc., Seligman Advisors, Inc., and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/seligmanpartagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. [Amendment to Participation Agreement between Seligman Portfolios, Inc., Seligman Advisors, Inc., and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/seligmanpartagmtamd1.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. [Amendment to Participation Agreement between Seligman Portfolios, Inc., Seligman Advisors, Inc., and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/seligmanpartagmtamd2.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. [Assignment and Assumption Agreement between Kansas City Life Insurance Company ("Kansas City Life"), Seligman Portfolios, Inc., Columbia Management Investment Advisers, LLC (formerly named RiverSource Investments, LLC, and successor to Seligman Advisors, Inc.) ("Columbia"), and Columbia Funds Variable Insurance Trust.](https://www.sec.gov/Archives/edgar/data/940338/000094033811000023/columbiaagreement.htm) (9)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. [Assignment and Assumption Agreement between Kansas City Life Insurance Company ("Kansas City Life"), Columbia Management Investment Advisers, LLC (formerly named RiverSource Investments, LLC, and successor to Seligman Advisors, Inc.) ("Columbia"), Seligman Portfolios, Inc. and RiverSource Variable Series Trust.](https://www.sec.gov/Archives/edgar/data/940338/000094033811000023/riversourceagreement.htm) (9)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(11) [Participation Agreement between Northern Lights Variable Trust and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/940338/000094033812000026/northernlightspartagmt.htm) (11)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(12) [Fund Participation and Service Agreement between Kansas City Life Insurance Company, American Funds Distributors, Inc., American Funds Service Company, Capital Research and Management Company, and the American Funds Insurance Series.](https://www.sec.gov/Archives/edgar/data/940338/000094033816000060/americanfunds1.htm) (13)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(13) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Fund Participation Agreement between Lincoln Variable Insurance Products Trust, Lincoln Financial Distributors, Inc., Lincoln Financial Investments Corporation, and Kansas City Life Insurance Company (16)](https://www.sec.gov/Archives/edgar/data/940338/000113322823003051/bciiva-html6264_ex99h13.htm) 

&nbsp;&nbsp;&nbsp;&nbsp;a. [Administrative Service Agreement between Lincoln Financial Investments Corporation and Kansas City Life Insurance Company](https://www.sec.gov/Archives/edgar/data/940338/000113322823003051/bciiva-html6264_ex99i3.htm) (16)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. [Amendment to Administrative Service Agreement between Lincoln Financial Investments Corporation and Kansas City Life Insurance Company](https://www.sec.gov/Archives/edgar/data/940338/000113322823003051/bciiva-html6264_ex99i3.htm) (17)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(14) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Amendment to Fund Participation Agreement between Lincoln Variable Insurance Products Trust, Lincoln Financial Distributors, Inc., Lincoln Financial Investments Corporation, and Kansas City Life Insurance Company](https://www.sec.gov/Archives/edgar/data/940338/000113322823003051/bciiva-html6264_ex99i3.htm)(17)

&nbsp;&nbsp;&nbsp;&nbsp;(i) Administrative Contracts.

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;(j) Other Material Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) [Rule 22c-2 Agreement between AIM Investment Services, Inc. and Kansas City Life Insurance Company dated June 2, 2006.](https://www.sec.gov/Archives/edgar/data/948972/000120928607000104/century_vul.txt) (5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) [Rule 22c-2 Agreement between American Century Investment Services, Inc. and Kansas City Life Insurance Company dated June 28, 2006.](https://www.sec.gov/Archives/edgar/data/948972/000120928607000104/century_vul.txt) (5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) [Rule 22c-2 Agreement between Calamos Financial Services, LLC. and Kansas City Life Insurance Company dated April 16, 2007.](https://www.sec.gov/Archives/edgar/data/948972/000120928607000104/century_vul.txt) (5)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) [Rule 22c-2 Agreement between Dreyfus Service Corporation and Kansas City Life Insurance Company dated September 19, 2006.](https://www.sec.gov/Archives/edgar/data/948972/000120928607000104/century_vul.txt) (5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) [Rule 22c-2 Agreement between MFS Fund Distributors, Inc.("MFD") and Kansas City Life Insurance Company dated September 19, 2006.](https://www.sec.gov/Archives/edgar/data/948972/000120928607000104/century_vul.txt) (5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) [Rule 22c-2 Agreement between Seligman Group of Funds and Kansas City Life Insurance Company dated April 3, 2007.](https://www.sec.gov/Archives/edgar/data/948972/000120928607000104/century_vul.txt) (5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) [Supplemental Payment Agreement between Kansas City Life Insurance Company, JPMorgan Investment Advisors Inc., and J.P. Morgan Investment Management Inc.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/jpmsupppymtagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(8) [Indemnification Agreement between Massachusetts Financial Services Company and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/mfsindemagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(9) [Shareholder Servicing Agreement between Seligman Advisors, Inc. and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/948972/000094897209000028/seligmanshareservagmt.htm) (7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(10) [Rule 22c-2 Agreement between American Funds Service Company and Kansas City Life Insurance Company dated April 13, 2016.](https://www.sec.gov/Archives/edgar/data/940338/000094033816000060/americanfunds2.htm) (13)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(11) [Rule 22c-2 Agreement between American Funds Service Company and Kansas City Life Insurance Company dated April 13, 2016.](https://www.sec.gov/Archives/edgar/data/940338/000094033816000060/americanfunds2.htm) (13)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(12) [Business Agreement between Kansas City Life Insurance Company, Sunset Financial Services, Inc., American Funds Distributors, Inc., and Capital Research and Management Company.](https://www.sec.gov/Archives/edgar/data/940338/000094033816000060/americanfunds3.htm) (13)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(13) [Distribution Services Agreement between Lincoln Financial Distributors, Inc., and Kansas City Life Insurance Company.](https://www.sec.gov/Archives/edgar/data/940338/000113322823003051/bciiva-html6264_ex99h13.htm)(17)

&nbsp;&nbsp;&nbsp;&nbsp;(k) Legal Opinion.

[Opinion and Consent of Counsel.](opinionandconsent-legal.htm) (18)

&nbsp;&nbsp;&nbsp;&nbsp;(l) Other Opinions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Consent of Eversheds Sutherland (US) LLP. (18)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) [Consent of Forvis Mazars, LLP.](consent-forvis.htm) (18)

&nbsp;&nbsp;&nbsp;&nbsp;(m) Omitted Financial Statements.

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;(n) Initial Capital Agreements.

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;(o) [Form of Initial Summary Prospectus.](freedomvaisp-2026.htm) (18)

&nbsp;&nbsp;&nbsp;&nbsp;(p) Power of Attorney Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;(q) Letter Regarding Change in Certifying Accountant Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;(r) Historical Current Limits on Index Gains Not Applicable.

---------------

(1) Incorporated by reference to the Registrant's registration statement filed with the Securities and Exchange Commission on March 3, 1995 (File No. 33-89984).

(2) [Incorporated herein by reference to the Form S-6 Registration Statement filed with the Securities and Exchange Commission on October 31, 2000 (File No. 333-49000).](https://www.sec.gov/Archives/edgar/data/0000948972/000094897200000008/0000948972-00-000008-index.htm)

(3) [Incorporated herein by reference to the Form N-4 Registration Statement (File No. 333-52290) for Kansas City Life Variable Annuity Separate Account filed on December 20, 2000.](https://www.sec.gov/Archives/edgar/data/0000940338/000094033800000005/0000940338-00-000005-index.htm)

(4) [Incorporated herein by reference to the Form N-4 Registration Statement (File No. 333-98805) for Kansas City Life Variable Annuity Separate Account filed on August 27, 2002.](https://www.sec.gov/Archives/edgar/data/0000940338/000094033802000018/0000940338-02-000018-index.htm)

(5) [Incorporated herein by reference to Post-Effective Amendment No. 17 to the Registration Statement on Form N-6 for Kansas City Life Variable Life Separate Account filed with the Securities and Exchange Commission on April 30, 2007 (File No. 033-95354).](https://www.sec.gov/Archives/edgar/data/0000940338/000120928607000097/0001209286-07-000097-index.htm)

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(6) [Incorporated herein by reference to Registrant's Post-Effective Amendment No. 15 to the Registration Statement on Form N-4 (File No. 33-89984) filed on May 22, 2007.](https://www.sec.gov/Archives/edgar/data/0000940338/000120928607000136/0001209286-07-000136-index.htm)

(7) [Incorporated herein by reference to Post-Effective Amendment No. 1 to the Registration Statement on Form N-6 for Kansas City Life Variable Life Separate Account filed with the Securities and Exchange Commission on April 28, 2009 (File No. 333-150926).](https://www.sec.gov/Archives/edgar/data/0000948972/000094897209000028/0000948972-09-000028-index.htm)

(8) [Incorporated herein by reference to Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on April 27, 2010 (File No. 333-165116).](https://www.sec.gov/Archives/edgar/data/0000940338/000094033810000020/0000940338-10-000020-index.htm)

(9) [Incorporated herein by reference to Post-Effective Amendment No. 21 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on April 29, 2011 (File No. 033-89984).](https://www.sec.gov/Archives/edgar/data/0000940338/000094033811000023/0000940338-11-000023-index.htm)

(10) [Incorporated herein by reference to Post-Effective Amendment No. 12 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on April 29, 2011 (File No. 333-98805).](https://www.sec.gov/Archives/edgar/data/0000940338/000094033811000029/0000940338-11-000029-index.htm)

(11) [Incorporated herein by reference to Post-Effective Amendment No. 22 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on April 27, 2012 (File No. 033-89984).](https://www.sec.gov/Archives/edgar/data/0000940338/000094033812000026/0000940338-12-000026-index.htm)

(12) [Incorporated herein by reference to Post-Effective Amendment No. 24 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on May 1, 2014 (File No. 033-89984).](https://www.sec.gov/Archives/edgar/data/0000940338/000094033814000023/0000940338-14-000023-index.htm)

(13) [Incorporated herein by reference to Post-Effective Amendment No. 27 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on April 26, 2016 (File No. 033-89984).](https://www.sec.gov/Archives/edgar/data/0000940338/000094033816000060/0000940338-16-000060-index.htm)

(14) [Incorporated herein by reference to Post-Effective Amendment No. 29 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on April 27, 2018 (File No.033-89984).](https://www.sec.gov/Archives/edgar/data/0000940338/000094033818000010/0000940338-18-000010-index.htm)

(15) [Incorporated herein by reference to Post-Effective Amendment No. 27 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on February 14, 2022 (File No. 333-52290).](https://www.sec.gov/Archives/edgar/data/940338/000094033822000004/0000940338-22-000004-index.htm)

(16) [Incorporated herein by reference to Post-Effective Amendment No. 34 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on April 27, 2023 (File No. 033-89984)](https://www.sec.gov/Archives/edgar/data/940338/000113322823003051/0001133228-23-003051-index.html).

(17) [Incorporated herein by reference to Post-Effective Amendment No. 35 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on April 26, 2024 (File No. 033-89984)](https://www.sec.gov/Archives/edgar/data/940338/000113322824004704/0001133228-24-004704-index.htm).

(18) Filed herewith.

#### Item 28. Directors and Officers of the Insurance Company

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| | |
|:---|:---|
| **Name and Principal Business Address\*** | **Position and Offices with Insurance Company** |
| Kevin G. Barth | Director |
| R. Philip Bixby | Chairman of the Board and Director |
| Walter E. Bixby | President, CEO, Vice Chairman of the Board and Director |
| William R. Blessing | Director |
| Michael Braude | Director |
| James T. Carr | Director |
| John C. Cozad | Director |
| Eileen M. Hutchinson<br>| Director |
| Octavia Love | Treasurer |
| David S. Kimmel | Director |
| Richard W. Seagraves<br>| Director |
| Jennifer K. Pieper | Vice President and Controller |
| A. Craig Mason Jr. | Senior Vice President, General Counsel, Secretary and Director |
| Mark A. Milton | Senior Vice President, Actuary and Director |
| Stephen E. Ropp | Senior Vice President, Operations |
| William A. Schalekamp | Director |
| David A. Laird | Senior Vice President, Finance, CFO and Director |

---

\* The principal business address of all the persons listed above is 3520 Broadway, Kansas City, Missouri 64111-2565.

------

#### Item 29. Persons Controlled by or Under Common Control with the Insurance Company or Registered Separate Account

---

| | | |
|:---|:---|:---|
| **Name** | **Jurisdiction** | **Percent of Voting Securities Owned** |
|  Sunset Financial Services, Inc. | Washington | Ownership of all voting securities by the Insurance Company |
|  KCL Service Company | Missouri | Ownership of all voting securities by the Insurance Company |
|  Old American Insurance Company | Missouri | Ownership of all voting securities by the Insurance Company |
|  Kansas City Life Financial Group, Inc. | Missouri | Ownership of all voting securities by the Insurance Company |
|  Grange Life Insurance Company | Ohio | Ownership of all voting securities by the Insurance Company |

---

#### Item 30. Indemnification
The By-Laws of Kansas City Life Insurance Company provide, in part, in Article XII:

1. The Company shall indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit, or proceeding, whether civil, criminal, administrative or investigative, other than an action by or in the right of the Company, by reason of the fact that he or she is or was a Director, Officer or employee of the Company, or is or was serving at the request of the Company as a Director, Officer or employee of another company, partner ship, joint venture, trust or other enterprise, against expenses, including attorneys' fees, judgments, fines and amounts paid in settlement actually and reasonably incurred by him or her in connection with such action, suit or proceeding if he or she acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the Company, and with respect to any criminal action or proceeding, had no reasonable cause to believe his or her conduct was unlawful. The termination of any action, suit or proceeding by judgment, order, settlement, conviction or upon a plea of nolo contender or its equivalent, shall not, of itself, create a presumption that the person did not act in good faith and in a manner which he or she reasonably believed to be in or not opposed to the best interests of the Company, and, with respect to any criminal action or proceeding, had reasonable cause to believe that his or her conduct was unlawful.

2. The Company shall indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action or suit by or in the right of the company to procure a judgment in its favor by reason of the fact that he or she is or was a director, officer or employee of the company, or is or was serving at the request of the company as a director, officer or employee of another company, partnership, joint venture, trust or other enterprise against expenses, including attorneys' fees, actually and reasonably incurred by him or her in connection with the defense or settlement of the action or suit if he or she acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the company; except that no indemnification shall be made in respect of any claim, issue or matter as to which such person shall have been adjudged to be liable for negligence or misconduct in the performance of his or her duty to the company unless and only to the extent that the court in which the action or suit was brought determines upon application that, despite the adjudication of liability and in view of all the circumstances of the case, the person is fairly and reasonably entitled to indemnity for such expenses which the court shall deem proper.

3. To the extent that a Director, Officer or employee of the Company has been successful on the merits or otherwise in defense of any action, suit or proceeding referred to in Sections 1 and 2 of this Article, or in defense of any claim, issue or matter therein, he or she shall be indemnified against expenses, including attorneys' fees, actually and reasonably incurred by him or her in connection with the action, suit or proceeding.

4. Any indemnification under Sections 1 and 2 of this Article, unless ordered by a court, shall be made by the Company only as authorized in the specific case upon a determination that indemnification of the director, Officer or employee is proper in the circumstances because he or she has met the applicable standard of conduct set forth in this Article. The

------

determination shall be made by the Board of Directors of the Company by a majority vote of a quorum consisting of Directors who were not parties to the action, suit or proceeding, or, if such a quorum is not obtainable, or, even if obtainable a quorum of disinterested Directors so directs, by independent legal counsel in a written opinion, or by the Stockholders of the Company.

5. Expenses incurred in defending a civil or criminal action, suit or proceeding may be paid by the Company in advance of the final disposition of the action, suit or proceeding as authorized by the Board of Directors in the specific case up on receipt of an undertaking by or on behalf of the Director, Officer or employee to repay such amount unless it shall ultimately be determined that he or she is entitled to be indemnified by the Company as authorized in this Article.

6. The indemnification provided by this Article shall not be deemed exclusive of any other rights to which those seeking indemnification may be entitled under the Articles of Incorporation or Bylaws, or any agreement, vote of Stockholders or disinterested Directors or otherwise, both as to action in his or her official capacity and as to action in another capacity while holding such office, and shall continue as to a person who has ceased to be a director, officer or employee and shall inure to the benefit of the heirs, executors and administrators of such a person.

7. The Company shall have the power to give any further indemnity, in addition to the indemnity authorized or contemplated under this Article, including subsection 6, to any person who is or was a Director, Officer, employee or agent of the Company, or to any person who is or was serving at the request of the Company as a Director, Officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, provided such further indemnity is either (i) authorized, directed, or provided for in the Articles of Incorporation of the Company or any duly adopted amendment thereof or (ii) is authorized, directed, or provided for in any bylaw or agreement of the Company which has been adopted by a vote of the Stockholders of the Company, and provided further that no such indemnity shall indemnify any person from or on account of such person's conduct which was finally adjudged to have been knowingly fraudulent, deliberately dishonest, or willful misconduct . Nothing in this paragraph shall be deemed to limit the power of the Company under subsection 6 of this Bylaw to enact Bylaws or to enter into agreement without Stockholder adoption of the same.

8. The Company may purchase and maintain insurance on behalf of any person who is or was a Director, Officer, employee or agent of the Company, or is or was serving at the request of the Company as a Director, Officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against any liability asserted against him or her and incurred by him or her in any such capacity, or arising out of his or her status as such, whether or not the Company would have the power to indemnify him or her against such liability under the provisions of this Article.

9. For the purpose of this Article, references to "the Company" include all constituent corporations absorbed in a consolidation or merger as well as the resulting or surviving corporation so that any person who is or was a Director, Officer, employee or agent of such constituent corporation or is or was serving at the request of such constituent corporation as a Director, Officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise shall stand in the same position under the provisions of this Article with respect to the resulting or surviving corporation as he or she would if he or she had served the resulting or surviving corporation in the same capacity.

10. For purposes of this Article, the term "other enterprise" shall include employee benefit plans; the term "fines" shall include any excise taxes assessed on a person with respect to an employee benefit plan; and the term "serving at the request of the Company" shall include any service as a Director, Officer or employee of the Company which imposes duties on, or involves services by, such Director, Officer or employee with respect to an employee benefit plan, its participants, or beneficiaries; and a person who acted in good faith and in a manner he or she reasonable believed to be in the interest of the participants and beneficiaries of an employee benefit plan shall be deemed to have acted in a manner "not opposed to the best interests of the Company" as referred to in this Article.

11. Any Director, Officer or employee of the Company shall be indemnified under this Article for any act taken in good faith and upon reliance upon the books and records of the Company, upon financial statements or other reports prepared by the Officers of the Company, or on financial statements prepared by the Company's independent accountants, or on information or documents prepared or provided by legal counsel to the Company.

12. To the extent that the indemnification of Officers, Directors or employees as permitted under Section 351.355 (as amended or superseded) of The General and Business Corporation Law of Missouri, as in effect from time to time, provides for greater indemnification of those individuals than the provisions of this Article XII, then the Company shall indemnify its Directors, Officers, employees as provided in and to the full extent allowed by Section 351.355.

------

13. The indemnification provided by this Article shall continue as to a person who has ceased to be a Director or Officer of the Company and shall inure to the benefit of the heirs, executors, and administrators of such a person. All rights to indemnification under this Article shall be deemed to be provided by a contract between the Company and the person who serves in such capacity at any time while these Bylaws and other relevant provisions of the applicable law, if any, are in effect. Any repeal or modification thereof shall not affect any rights or obligations then existing.

14. If this Article or any portion or provision hereof shall be invalidated on any ground by any court of competent jurisdiction, then the Company shall nevertheless indemnify each person entitled to indemnification pursuant to this Article to the full extent permitted by any applicable portion of this Article that shall not have been invalidated, or to the fullest extent provided by any other applicable law.

Missouri law authorizes Missouri corporations to provide indemnification to directors, officers and other persons.

Kansas City Life owns a directors and officers liability insurance policy covering liabilities that directors and officers of Kansas City Life and its subsidiaries and affiliates may incur in acting as directors and officers.

Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

#### Item 31. Principal Underwriter
(a) In addition to Kansas City Life's Variable Separate Account, Sunset Financial Services Inc. is the registrant's principal underwriter for policies offered by Kansas City Life Insurance Variable Annuity Separate Account.

(b) Officers and Directors of Sunset Financial:

---

| | |
|:---|:---|
| **Name and Principal Business Address\*** | **Positions and Offices with Sunset Financial Services, Inc.** |
| R. Philip Bixby | Chairman of the Board and Director |
| Walter E. Bixby | Director |
| Janice L. Brandt | Vice President and Chief Compliance Officer |
| Susanna J. Denney | Vice President, Chief Operations Officer |
| Jennifer K. Pieper | Vice President, Treasurer, and Controller |
| A. Craig Mason Jr. | Secretary and Director |
| Mark A. Milton | Director |
| Kristen Peil | Assistant Vice President |
| Kelly T. Ullom | President and Director |
| David A. Laird | Director |

---

\* The principal business address of all of the persons listed above is P.O. Box 219365, Kansas City, Missouri, 64121-9365.

(c) Compensation from the Registrant. The following commissions and other compensation were received by each principal underwriter, directly or indirectly, from the Registrant during the Registrant's last fiscal year:

---

| | | | | |
|:---|:---|:---|:---|:---|
| (1)<br> **Name of Principal Underwriter** | (2)<br> **Net Underwriting Discounts and Commissions** | (3)<br> **Compensation on Redemption** | (4)<br> **Brokerage Commissions** | (5)<br> **Other Compensation** |
| Sunset Financial Services, Inc. | $159330.53 |  | N/A | N/A |

---

------

#### Item 31A. Information about Contracts with Index-Linked Options and Fixed Options Subject to a Contract Adjustment

#### Not Applicable.

#### Item 32. Location of Accounts and Records
All of the accounts, books, records or other documents required to be kept by Section 31(a) of the Investment Company Act of 1940 and rules thereunder, are maintained by Kansas City Life at 3520 Broadway, Kansas City, Missouri 64111-2565.

#### Item 33. Management Services
All management contracts are discussed in Part A or Part B of this registration statement.

#### Item 34. Fee Representation
Kansas City Life Insurance Company represents that the aggregate charges under the Contracts are reasonable in relation to the services rendered, the expenses expected to be incurred and the risks assumed by Kansas City Life Insurance Company.

#### Representation Required in Connection with Offering the Contract as Funding Vehicles for 403(b) Retirement Plans
Kansas City Life represents that in connection with its offering of the Contracts as funding vehicles for retirement plans meeting the requirements of Section 403(b) of the Internal Revenue Code of 1986, it is relying on no-action letters dated November 28, 1988, to the American Council of Life Insurance (Ref. No. IP-6-88)(the "ACLI Letter"), and dated August 30, 2012, to ING Life and Annuity Company (the "ING Letter"), regarding Sections 22(e), 27(c)(1), and 27(d) of the Investment Company Act of 1940, and that it has complied with paragraphs numbered (1) through (4) of the ACLI Letter, as modified by the ING Letter, and the additional terms of the ING Letter.

------

#### SIGNATURES
Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant, Kansas City Life Variable Annuity Separate Account, certifies that it meets all of the requirements of Securities Act Rule 485(b) for effectiveness of this Registration Statement and has duly caused this Post-Effective Amendment No. 29 to the Registration Statement to be signed on its behalf by the undersigned thereunto duly authorized, and its seal to be hereunto affixed and attested, all in the City of Kansas City and the State of Missouri on the 27th day of April, 2026.

---

| | |
|:---|:---|
|  | Kansas City Life Variable Annuity Separate Account |
|  | (Registered Separate Account) |
| <br> (SEAL) | By: ________<u>/s/ Walter E. Bixby</u>_____________________________________<br> Walter E. Bixby, President, CEO, Vice Chairman of the Board and Director |
|  | Kansas City Life Insurance Company |
|  | (Insurance Company) |
| Attest:____<u>/s/ A. Craig Mason Jr.</u>_______________<br> A. Craig Mason Jr., Secretary and Director | By: _________<u>/s/ Walter E. Bixby</u>____________________________________<br> Walter E. Bixby, President, CEO, Vice Chairman of the Board and Director |

---

Pursuant to the requirements of the Securities Act of 1933, this Post-Effective Amendment No. 29 to the Registration Statement has been signed below by the following persons in the capacities and on the date(s) indicated.

---

| | | |
|:---|:---|:---|
| Signature | Title | Date |
| ________<u>/s/ Walter E. Bixby</u>_______<br> Walter E. Bixby | President, CEO, Vice Chairman of the Board and Director (Principal Executive Officer) | April 27, 2026 |
| _______<u>/s/ David A. Laird</u>__________<br> David A. Laird | Senior Vice President, Finance, CFO and Director<br> (Principal Financial Officer) | April 27, 2026 |
| ______<u>/s/ Jennifer K. Pieper</u>________<br> Jennifer K. Pieper | Vice President and Controller<br> (Principal Accounting Officer) | April 27, 2026 |
| _________<u>/s/ R. Philip Bixby</u>________<br> R. Philip Bixby | Chairman of the Board and Director<br>| April 27, 2026 |
| ______<u>/s/ A. Craig Mason Jr</u>_______<br> A. Craig Mason Jr. | Secretary and Director | April 27, 2026 |
| ________<u>/s/ Kevin G. Barth</u>________<br> Kevin G. Barth | Director | April 27, 2026 |
| _______<u>/s/ William R. Blessing</u>_____<br> William R. Blessing | Director | April 27, 2026 |
| _______<u>/s/ Michael Braude</u>________<br> Michael Braude | Director | April 27, 2026 |
| _______<u>/s/ James T. Carr</u>__________<br> James T. Carr | Director | April 27, 2026 |
| _______<u>/s/ John C. Cozad</u>__________<br> John C. Cozad | Director | April 27, 2026 |
| ______<u>/s/ Eileen M. Hutchinson</u>______<br> Eileen M. Hutchinson | Director | April 27, 2026 |
| ______________________________<br> David S. Kimmel | Director | April 27, 2026 |
| ________<u>/s/ Mark A. Milton</u>_________<br> Mark A. Milton | Director | April 27, 2026 |
| ______________________________<br> William A. Schalekamp | Director | April 27, 2026 |
| _____<u>/s/ Richard W. Seagraves</u>______<br> Richard W. Seagraves<br>| Director | April 27, 2026 |

---

------

#### Exhibit Index
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(k) [Opinion and Consent of Counsel.](opinionandconsent-legal.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(l) (1) Consent of Eversheds Sutherland (US) LLP.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) [Consent of Forvis Mazars, LLP.](consent-forvis.htm)

(o)[Form of Initial Summary Prospectus](freedomvaisp-2026.htm).

------

## Ex-99

![](image2.gif)

April 30, 2026

Kansas City Life Insurance Company

3520 Broadway

Kansas City, MO 64111-2565

Re: Registration Statement

To Whom It May Concern:

In connection with the proposed registration under the Securities Act of 1933, as amended, of individual variable annuity contracts (the "Contracts") and interests in the Kansas City Life Variable Annuity Separate Account (the "Separate Account"), I have examined the documents relating to the establishment of the Separate Account by the Board of Directors of Kansas City Life Insurance Company (the "Company") as a separate account for assets applicable to variable annuity contracts, pursuant to Section 376.309 RSMo., as amended, and the Registration Statement, on Form N-4 (the "Registration Statement"), and I have examined such other documents and reviewed such matters of law as I deem necessary for this opinion, and I advise you that in my opinion:

1. The Separate Account is a separate account of the Company duly created and validly existing pursuant to the laws of the State of Missouri.

2. The Contracts, when issued in accordance with the Prospectus constituting a part of the Registration Statement and upon compliance with applicable local law, will be legal and binding obligations of the Company in accordance with their respective terms.

3. The portion of the assets held in the Separate Account equal to reserves and other contract liabilities with respect to the Separate Account are not chargeable with liabilities arising out of any other business the Company may conduct.

I consent to the filing of this opinion as an exhibit to the Registration Statement and the use of my name under the heading "Legal Matters" in the Prospectus constituting a part of the Registration Statement and to the references to me wherever appearing herein.

Yours very truly,

A. Craig Mason Jr.

## Ex-99

#### Consent of Independent Registered Public Accounting Firm
We consent to the reference to our firm under the caption "Experts" in the Statement of Additional Information included in this Post-Effective Amendment No. 29 to the Registration Statement Form N-4 (No. 333-98805) of the Kansas City Life Variable Annuity Separate Account and related Prospectus of Century II Freedom Variable Annuity, filed with the Securities and Exchange Commission.

We also consent to the use of our reports (1) dated March 9, 2026, with respect to the consolidated financial statements of Kansas City Life Insurance Company and subsidiaries and (2) dated April 28, 2026, with respect to the financial statements of the subaccounts of the Kansas City Life Variable Annuity Separate Account, each for the year ended December 31, 2025, both incorporated into the Statement of Additional Information by reference to Form N-VPFS (No. 811-08994) of Kansas City Life Variable Annuity Separate Account filed with the Securities and Exchange Commission on April 28, 2026.

/s/ Forvis Mazars, LLP

#### Kansas City, Missouri

#### April 30, 2026

## Ex-99

---

| | |
|:---|:---|
| <br>![](image2.jpg)  | <br>Washington, DC 20001-3980 <br>D: 202.383.0118 <br> F: 202.637.3593 <br>|

---

April 30, 2026

Board of Directors

Kansas City Life Insurance Company

3520 Broadway

Kansas City, Missouri 64111

Re:

Kansas City Life Variable Annuity Separate Account

File No. 333-98805

Directors:

We hereby consent to the reference to our name under the caption "Legal Matters" in the Statement of Additional Information filed as part of Post-Effective Amendment No. 29 to the Registration Statement on Form N-4 for Kansas City Life Variable Annuity Separate Account (File No. 333-98805). In giving this consent, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act of 1933.

Sincerely,

Eversheds Sutherland (US) LLP

****<br> /s/ Thomas E. Bisset

Thomas E. Bisset

Eversheds Sutherland (US) LLP is part of a global legal practice, operating through various separate and distinct legal entities, under Eversheds Sutherland. For a full description of the structure and a list of offices, please visit www.eversheds-sutherland.com. <br>

## Ex-99

#### CENTURY II FREEDOM VARIABLE ANNUITY INITIAL SUMMARY PROSPECTUS FOR NEW INVESTORS

#### INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT
**KANSAS CITY LIFE VARIABLE ANNUITY SEPARATE ACCOUNT OF**

**KANSAS CITY LIFE INSURANCE COMPANY**

---

| | |
|:---|:---|
| **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Street Address:**  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Send correspondence to:**  |
| **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3520 Broadway**  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Variable Administration**  |
| **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Kansas City, Missouri 64111-2565**  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; P.O. Box 219364**  |
| **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Telephone (816) 753-7000**  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Kansas City, Missouri 64121-9364**  |
|  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Telephone (800) 616-3670**  |

---

This Summary Prospectus describes the Century II Freedom Variable Annuity Contract (the "Contract"), an individual flexible premium deferred variable annuity contract offered by Kansas City Life Insurance Company ("Kansas City Life" or the "Company"). Before you invest, you should also review the Statutory Prospectus of the Contract, which contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the Contract online at vpx.broadridge.com/GetContract1.asp?doctype=pros&cid=kcl&fid=NRVA02781. You can also obtain this information at no cost by calling 1-800-616-3670 or by sending an email request to statecompliance@kclife.com**.**

The Contract is a complex investment that involves risks, including loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Amounts withdrawn from the Contract may be subject to taxes and tax penalties. Withdrawals may also have an impact on guarantees under the FivePlus<sup>SM</sup> Guaranteed Withdrawal Benefit, if elected. Guarantees under the Contract are subject to the Company's financial strength and claims paying ability.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**You may cancel your Contract within 10 days of receiving it without paying fees or penalties. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total contract value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.** 

**The Securities and Exchange Commission has not approved or disapproved these securities or passed upon the accuracy or adequacy of this Prospectus. Any representation to the contrary is a criminal offense.**

**The Subaccounts and the Fixed Account are not deposits or obligations of, or guaranteed or endorsed by, any bank, nor are federally insured by the Federal Deposit Insurance Corporation or any other government agency. An investment in the Contract involves certain risks including the loss of premium payments (principal).**

**The date of this Prospectus is May 1, 2026.**

------

#### SUMMARY PROSPECTUS CONTENTS

---

| | |
|:---|:---|
| **[GLOSSARY](#_Toc196747880)** | **[1](#_Toc196747880)** |
| **[OVERVIEW OF THE CONTRACT](#_Toc196747881)** | **[3](#_Toc196747881)** |
| &nbsp;&nbsp;[Purpose](#_Toc196747882) | [3](#_Toc196747882) |
| &nbsp;&nbsp;[Phases of the Contract](#_Toc196747883) | [3](#_Toc196747883) |
| &nbsp;&nbsp;[Contract Features](#_Toc196747884) | [3](#_Toc196747884) |
| **[IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#_Toc196747885)** | **[4](#_Toc196747885)** |
| **[BENEFITS AVAILABLE UNDER THE CONTRACT](#_Toc196747886)** | **<u>7</u>** |
| **[BUYNG THE CONTRACT](#_Toc196747887)** | **<u>8</u>** |
| **[MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#_Toc196747888)** | **<u>8</u>** |
| &nbsp;&nbsp;[SURRENDERS AND WITHDRAWALS](#_Toc196747889) | 8 |
| **[ADDITIONAL INFORMATION ABOUT FEES](#_Toc196747890)** | **<u>9</u>** |
| &nbsp;&nbsp;[Transaction Expenses](#_Toc196747891) | <u>9</u> |
| &nbsp;&nbsp;[Annual Contract Expenses](#_Toc196747892) | <u>9</u> |
| &nbsp;&nbsp;[Annual Portfolio Operating Expenses](#_Toc196747893) | <u>10</u> |
| &nbsp;&nbsp;[Example of Charges](#_Toc196747894) | 10 |
| **[APPENDIX A – Investment options AVAILABLE UNDER THE CONTRACT](#_Toc196747895)** | **[11](#_Toc196747895)** |

---

------

#### GLOSSARY
Many terms used within this Prospectus are described within the text where they appear. The descriptions of those terms are not repeated in this section.

---

| | |
|:---|:---|
| &nbsp;&nbsp; Annuitant  | &nbsp;&nbsp; The person on whose life the Contract's annuity benefit is based.  |
| &nbsp;&nbsp; Contract Anniversary  | &nbsp;&nbsp; The same day and month as the Contract Date each year that the Contract remains in force.  |
| &nbsp;&nbsp; Cash Surrender Value  | &nbsp;&nbsp; This equals the Contract Value at the time of surrender less any applicable loan balance and premium taxes payable. There are no surrender charges associated with this Contract.  |
| &nbsp;&nbsp; Contract Date  | &nbsp;&nbsp; The date from which Contract months, Contract Years, and Contract Anniversaries are measured.  |
| &nbsp;&nbsp; Contract Value  | &nbsp;&nbsp; The sum of the Variable Account Value and the Fixed Account Value.  |
| &nbsp;&nbsp; Contract Year  | &nbsp;&nbsp; Any period of twelve months starting with the Contract Date or any Contract Anniversary.  |
| &nbsp;&nbsp; Fixed Account  | &nbsp;&nbsp; An account that is one option we offer for allocation of your premiums. It is part of our general account and is not part of, or dependent on, the investment performance of the Variable Account.  |
| &nbsp;&nbsp; Fixed Account Value  | &nbsp;&nbsp; Measure of value accumulating in the Fixed Account.  |
| &nbsp;&nbsp; Guaranteed Minimum Death Benefit  | &nbsp;&nbsp; This Contract provides for a Guaranteed Minimum Death Benefit. This benefit is paid at the death of the Annuitant.  |
| &nbsp;&nbsp; Home Office  | &nbsp;&nbsp; When the term "Home Office" is used in this Prospectus in connection with transactions under the Contract, it means our Variable Administration office. Transaction requests and other types of Written Notices should be sent to P.O. Box 219364, Kansas City, Missouri 64121-9364. The telephone number at our Variable Administration office is 800-616-3670.  |
| &nbsp;&nbsp; Issue Age  | &nbsp;&nbsp; The Annuitant's age on his/her last birthday as of the Contract Date.  |
| &nbsp;&nbsp; Life Payment Option  | &nbsp;&nbsp; A payment option based upon the life of the Annuitant.  |
| &nbsp;&nbsp; Maturity Date  | &nbsp;&nbsp; The date when the Contract terminates and we either pay the Proceeds under a payment option or pay you the Cash Surrender Value in a lump sum. The latest Maturity Date is the later of the Contract Anniversary following the Annuitant's 85th birthday and the tenth Contract Anniversary. Certain states and Qualified Contracts may place additional restrictions on the maximum Maturity Date.  |
| &nbsp;&nbsp; Non-Life Payment Option  | &nbsp;&nbsp; A payment option that is not based upon the life of the Annuitant.  |
| &nbsp;&nbsp; Non-Qualified Contract  | &nbsp;&nbsp; A Contract that is not a Qualified Contract.  |
| &nbsp;&nbsp; Owner  | &nbsp;&nbsp; The person entitled to exercise all rights and privileges provided in the Contract. The terms "you" and "your" refer to the Owner.  |

---

------

---

| | |
|:---|:---|
| Premium Year | Refers to the 12-month period following the date a particular premium is credited to your Contract. |
| Proceeds | The total amount we are obligated to pay under the terms of the Contract. |
| Qualified Contract | A Contract issued in connection with plans that qualify for special federal income tax treatment under sections 401, 403, 408 or 408A of the Internal Revenue Code of 1986, as amended (the "Code"). |
| Subaccount | The divisions of the Variable Account. The assets of each Subaccount are invested in a Portfolio of a designated Fund. |
| Valuation Day | Each day the New York Stock Exchange is open for business. Currently, the New York Stock Exchange is closed on the following holidays: New Year's Day, Martin Luther King, Jr. Day, President's Day, Good Friday, Memorial Day, Juneteenth National Independence Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. The New York Stock Exchange and Kansas City Life recognize holidays that fall on a Saturday on the previous Friday. Kansas City Life will recognize holidays that fall on a Sunday on the following Monday. |
| Valuation Period | The interval of time beginning at the close of normal trading on the New York Stock Exchange on one Valuation Day and ending at the close of normal trading on the New York Stock Exchange on the next Valuation Day. Currently, the close of normal trading is 3:00 p.m. Central Time. The term "Valuation Period" is used in this Prospectus to specify, among other things, when a transaction order or request is deemed to be received by us at our Variable Administration office. |
| Variable Account Value | The Variable Account Value is equal to the sum of all Subaccount values of a Contract. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We, Our, Us, Kansas City Life, the Company  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Kansas City Life Insurance Company  |
| Written Notice/Written Request | A Written Notice or Written Request in a form satisfactory to us that is signed by the Owner and received at the Home Office. Under certain circumstances as described in this Prospectus, Written Notice/Written Request may be satisfied by telephone, facsimile, electronic mail, and Internet. |

---

------

#### OVERVIEW OF THE CONTRACT

#### Purpose
The Contract is designed for investors seeking long-term tax-deferred accumulation of funds. The goal for this accumulation is generally retirement, but may be for other long-term investment purposes. We offer the Contract as both a Qualified Contract and a Non-Qualified Contract. (See Prospectus "FEDERAL TAX STATUS")

#### Phases of the Contract
Your Contract has two phases.

**Phase 1: Accumulation and Investment Phase:** During the first phase, you will have the opportunity to allocate premiums to the Subaccounts and the Fixed Account. The Fixed Account has a minimum guaranteed interest rate of 1%. The assets of each Subaccount are invested in a corresponding Portfolio. **More information about each of these investment options is provided in the Appendix A – Investment Options Available Under the Contract, which is located at the back of this prospectus.**

**Phase 2: Payout of Proceeds Phase.** The Contract offers a variety of ways, in addition to a lump sum, for you to receive Proceeds payable under the Contract. During this phase, you will have the option to annuitize (receive a stream of income payments). If you annuitize, you will be unable to make withdrawals, and death benefits and living benefits will terminate.

#### Contract Features
**Death Benefit.** A death benefit will be paid at the death of either the Annuitant or an Owner of the Contract. Once a death benefit has been paid, the Contract is terminated. If you are also the Annuitant, the death benefit Proceeds payable will be those payable on the death of the Annuitant. However, if the Contract is issued with an Owner and an Annuitant who are not the same individual, the benefit will be paid at the first death.

**FIVE Plus**<sup>SM</sup> **Guaranteed Minimum Withdrawal Benefit.** If you are concerned that poor investment performance or market volatility in the Subaccounts may adversely impact the amount of money you can withdraw from the Contract, we offer for an additional charge an optional GMWB rider. The GMWB provides alternative guarantees - which guarantee you receive depends on the amount of the withdrawals you take and the age of the Covered Person. First, the GMWB guarantees the return of all of the amounts you have invested in the Contract, as long as you limit your withdrawals each Contract Year to the Guaranteed Withdrawal Amount (this guarantee is available both before and after the Lifetime Income Date). Second, on and after the Lifetime Income Date, as long as you limit your annual withdrawals to the Lifetime Income Amount, the GMWB guarantees you annual payments of that amount for the rest of the Covered Person's life, no matter how long the Covered Person lives, even after you have recovered your investments in the Contract and even if your Contract Value reduces to zero. However, the maximum amount you may be able to withdraw as a Lifetime Income Amount may be less than if you continued to take withdrawals as a Guaranteed Withdrawal Amount. The GMWB has a maximum fee of 1.20%.

**Dollar Cost Averaging Plan.** If you elect this plan, it enables you to automatically transfer amounts from the Federated Hermes Government Money Fund II Subaccount to other Subaccounts. The goal of the Dollar Cost Averaging Plan is to make you less susceptible to market fluctuations by allocating on a regularly scheduled basis instead of allocating the total amount all at one time. We do not guarantee that the Dollar Cost Averaging Plan will result in a gain or prevent a loss.

**Portfolio Rebalancing Plan.** The Portfolio Rebalancing Plan is an optional feature available with the Contract. Under this plan we will redistribute the accumulated balance of each Subaccount to equal a specified percentage of the Variable Account Value. The purpose of the Fund Portfolio Company Rebalancing Plan is to automatically diversify your portfolio mix. The plan automatically adjusts your portfolio mix to be consistent with your current premium allocation instructions.

**Partial and Full Cash Surrenders.** You may request a partial or full surrender of the Contract at any time before the Annuitant's death and before the Maturity Date (although if you withdraw early, you may have to income taxes, including a tax penalty if you are younger than age 59 ½). You can also participate in the Systematic Partial Surrender Plan. The Systematic Partial Surrender Plan enables you to authorize an automatic regular payment of a partial surrender amount.

**Contract Loans.** If your Contract is a section 403(b) TSA Qualified Contract, you may have the option of taking a Contract loan at any time after the first Contract Year if permitted by your employer's section 403(b) plan.

**Tax Treatment.** You can transfer money between investment options without tax implications, and earnings (if any) on your investments are generally tax-deferred. You are taxed only when: (1) you make a withdrawal; (2) you receive an income payment from the Contract; or (3) upon payment of a death benefit.

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#### IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

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| | | |
|:---|:---|:---|
| **FEES, EXPENSES, AND ADJUSTMENTS**  | **FEES, EXPENSES, AND ADJUSTMENTS**  | **FEES, EXPENSES, AND ADJUSTMENTS**  |
| ***ARE THERE CHARGES OR ADJUSTMENTS FOR EARLY*** <br> ***WITHDRAWALS?***  | **No.** This product does not have a surrender charge. Withdrawals, however, may be subject to taxes or tax penalties.  | **No.** This product does not have a surrender charge. Withdrawals, however, may be subject to taxes or tax penalties.  |
| ***ARE THERE TRANSACTION CHARGES?***  | **Yes.** You may be charged for certain transactions (such as when you complete more than six transfers during a Contract Year). <br> *Reference Fee Table and Charges and Deductions - Transfer Processing Fee.*  | **Yes.** You may be charged for certain transactions (such as when you complete more than six transfers during a Contract Year). <br> *Reference Fee Table and Charges and Deductions - Transfer Processing Fee.*  |
| ***ARE THERE ONGOING FEES AND EXPENSES?***  | **Yes.** The table below describes the fees and expenses that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.  | **Yes.** The table below describes the fees and expenses that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.  |
| | **Annual Fee**  | **Annual Fee**  |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Contract  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Contract <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.66% <sup>1</sup> |
|  | <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Company fees and expenses  | <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Company fees and expenses <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.27% <sup>2</sup><br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.37% <sup>2</sup> |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Optional benefits available for an additional charge (for a single optional benefit, if elected)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Optional benefits available for an additional charge (for a single optional benefit, if elected) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.95% <sup>3</sup> |
|  | <sup>1</sup>As a percentage of average annual Variable Account Value during the accumulation period.<br><sup>2</sup>As a percentage of Portfolio assets.<br><sup>3</sup>As a percentage of the Guaranteed Withdrawal Balance. | <sup>1</sup>As a percentage of average annual Variable Account Value during the accumulation period.<br><sup>2</sup>As a percentage of Portfolio assets.<br><sup>3</sup>As a percentage of the Guaranteed Withdrawal Balance. |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender charges that substantially increase costs**.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender charges that substantially increase costs**.  |
|  | **Lowest Annual Cost:** <br> **$2,245**  | **Highest Annual Cost:** <br> **$4,368**  |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assumes: <br> ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000 <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Least expensive Portfolio Company fees and expenses <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No optional benefits <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No sales charges <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional purchase payments, transfers, or withdrawals <br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assumes: <br> ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000 <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Most expensive combination of optional benefits, and Portfolio Company fees and expenses <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No sales charges <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional purchase payments, transfers, or withdrawals  |
|  | *Reference Fee Table, Charges and Deductions, and Appendix A – Investment Options Available under the Contract.*  | *Reference Fee Table, Charges and Deductions, and Appendix A – Investment Options Available under the Contract.*  |

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| | |
|:---|:---|
| **RISKS**  | **RISKS**  |
| ***IS THERE A RISK OF LOSS FROM POOR PERFORMANCE?***  | **Yes.** You can lose money by investing in this Contract, including loss of principal. <br> *Reference Principal Risks of Investing in the Contract.*  |
| ***IS THIS A SHORT-TERM INVESTMENT?***  | **No.** This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals may be subject to taxes and tax penalties. In addition, the tax deferral is more beneficial to investors with a long-time horizon. <br> *Reference Principal Risks of Investing in the Contract and Federal Tax Status.*  |
| ***WHAT ARE THE RISKS ASSOCIATED WITH THE INVESTMENT OPTIONS?***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of each Subaccount. The Subaccounts and the Fixed Account each have their own unique risks. You should review all investment options before making an investment decision. <br> *Reference Principal Risks of Investing in the Contract, The Fixed Account and Appendix A – Investment Options Available Under the Contract.*  |
| ***WHAT ARE THE RISKS RELATED TO THE INSURANCE COMPANY?***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment in the Contract is subject to the risks related to Kansas City Life. Any obligations, guarantees, and benefits of the Contract, including the Fixed Account investment option, are subject to the claims-paying ability of Kansas City Life. If Kansas City Life experiences financial distress, it may not be able to meet its obligations to you. More information about the financial condition of Kansas City Life, including its financial strength rating, is available upon request by contacting the Home Office. <br> *Reference Kansas City Life, The Variable Account and The Funds - Financial Condition of Kansas City Life.*  |
| **RESTRICTIONS**  | **RESTRICTIONS**  |
| ***ARE THERE RESTRICTIONS ON THE INVESTMENT OPTIONS?***  | **Yes.** The amount allocated to the Fixed Account may not exceed 15% of the total Contract Value. If a transfer to the Fixed Account causes the value to exceed 15% of total Contract Value, we may transfer the excess to the Federated Hermes Government Money Fund II Subaccount. The first six transfers during each Contract Year are free. We will assess a transfer processing fee of $25 for each additional transfer during such Contract Year. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We reserve the right to remove or substitute Portfolio Companies as investment options. We also reserve the right to limit the number and amount of additional premium payments you may make and to suspend or modify the transfer privilege, where permitted under applicable law. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you elect the GMWB rider, you may not invest in the Fixed Account, the Portfolio Companies in which you may invest will be limited, and we may change the Portfolio Companies that are eligible for investment in the future. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not all Portfolio Companies may be available in all states. <br> *Reference The Fixed Account, Charges and Deductions - Transfer Processing Fee, Kansas City Life, The Variable Account, and the Funds - The Funds, Optional Rider, and Appendix A – Investment Options Available under the Contract.*  |
| ***ARE THERE ANY RESTRICTIONS ON CONTRACT BENEFITS?***  | **Yes.** The Contract offers a number of benefits. Certain benefits, such as the GMWB, are subject to additional charges. Benefits may not be available for all Issue Ages nor added after issue. Optional riders may not be available in all states. The GMWB limits the Portfolio Companies in which you may invest under the Contract, and we may change the Portfolio Companies that are eligible for investment in the future. If you take withdrawals that exceed limits specified by the GMWB rider in a Contract Year, the value of the GMWB may be reduced by more than the amount of the withdrawal or the rider may terminate. If you take withdrawals from your Contract Value, the amount payable under the GMDB may be reduced by more than the amount of the withdrawal. We may stop offering the GMWB at any time. Certain 403(b) contracts may impose restrictions on distributions. <br> *Reference Principal Risks of Investing in the Contract, Benefits Available Under the Contract, Optional Rider, Description of the Contract - Death Benefit Before Maturity Date, Description of the Contract – Contract Loans, and Appendix A – Investment Options Available under the Contract.* |

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| | |
|:---|:---|
| **TAXES**  | **TAXES**  |
| ***WHAT ARE THE CONTRACT'S TAX IMPLICATIONS?***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Earnings on your contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½. The tax advantages provided by a variable annuity are already available with tax-qualified plans, including IRAs and Roth IRAs. You should purchase the Contract within a tax-qualified plan only for reasons other than tax deferral. We encourage you to consult your own tax adviser before making a purchase of the Contract. <br> *Reference Principal Risks of Investing in the Contract and Federal Tax Status.*  |
| **CONFLICTS OF INTEREST**  | **CONFLICTS OF INTEREST**  |
| ***HOW ARE INVESTMENT PROFESSIONALS COMPENSATED?*** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Commissions are paid to broker-dealers for the sale of Contracts. In addition, we may pay an asset-based commission or other amounts in certain circumstances. All or some of the payments received from Funds under distribution plans pursuant to Rule 12b-1 may be passed on to selling firms. This conflict of interest may influence your investment professional to recommend this Contract over another investment. <br> *Reference Sale of the Contracts.*  |
| ***SHOULD I EXCHANGE MY CONTRACT?*** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some broker-dealers may have a financial incentive to offer a new contract in place of your existing insurance. You should replace (exchange) your existing contract only if you determine that the new contract is better for you than continuing to own your existing contract after comparing the features, fees, and risks of both contracts and considering any fees or penalties to terminate the existing contract. <br> *Reference Description of the Contract - Replacement of Contracts.*  |

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#### BENEFITS AVAILABLE UNDER THE CONTRACT
**The following table summarizes information about the benefits available under the contract.**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit**  | **Purpose**  | **Is Benefit Standard or Optional**  | **Maximum Fee**  | **Brief Description or Restrictions / Limitations**  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Five Plus Guaranteed Minimum Withdrawal Benefit  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Guarantees return of amounts invested in the Contract or minimum annual income payments provided that the conditions of the rider are satisfied  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.10% (monthly) 1.20%(annually) of the Guaranteed Withdrawal Balance  | ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Covered Person must be between age 20 and 80 <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; In order to receive certain benefits, the Covered Person must attain age 65 and remain living <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Must invest only in Designated Subaccounts, which may reduce investment return <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cannot invest in the Fixed Account <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional premiums may be limited <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals that exceed specified limits in a Contract Year may reduce the value of the GMWB by more than the amount of the withdrawal or the rider may terminate <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Death Benefit  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provides death benefit equal to the Cash Surrender Value if the Owner predeceases the Annuitant  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Standard  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Charge  | ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Only applies if Owner and Annuitant are not the same individual <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Guaranteed Minimum Death Benefit Option  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provides death benefit equal to the greater of: <br> ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Premiums paid, adjusted for proportionately adjusted for partial surrenders, less any loan balance; or <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Value, less any loan balance <br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Standard  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Charge  | ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Available at issue and any time after <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contract Loan  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Allows you to borrow from the Contract using your Contract Value as collateral  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Standard  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% net loan interest (as a percentage of amounts held in the loan account)  | ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Only available under section 403(b) TSA Qualified Contracts, if permitted by employer's section 403(b) plan <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Only one loan per Contract Year <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum and maximum loan amounts apply <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Loans may have adverse tax consequences <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Dollar Cost Averaging Plan  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Allows you to automatically transfer amounts from the Federated Hermes Government Money Fund II Subaccount to other Subaccounts on a monthly basis  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Standard  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Charge  | ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum $250 transfer amount each month <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not allowed at the same time as Portfolio Rebalancing <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Rebalancing Plan  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Automatically redistributes the accumulated balance of each Subaccount to equal a specified percentage of the Variable Account Value on a quarterly basis  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Standard  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Charge  | ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not allowed at the same time as Dollar Cost Averaging <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Systematic Partial Surrender Plan  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Automatically surrenders a specified dollar amount from the Contract on a monthly, quarterly, semi-annual or annual basis  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Standard  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Charge  | ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum $100 partial surrender amount <br>● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Partial surrenders may have adverse tax consequences <br>|

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#### BUYNG THE CONTRACT
The maximum Issue Age for which we issue a Contract is 85. However, for Qualified Contracts with an Issue Age of 70½ or greater, tax laws may require that distributions begin immediately. We may issue Contracts above the maximum Issue Age under certain circumstances. We may issue Contracts in connection with retirement plans that may or may not qualify for special federal tax treatment under the Code.

The minimum initial premium that we accept is a single premium of $25,000. You may pay additional premium payments at any time while the Annuitant is alive and before the Maturity Date. These payments must be at least $50. We may limit the number and amount of additional premium payments (where permitted).

At the time of application, you select how we will allocate premiums among the Subaccounts and the Fixed Account. You can change the allocation percentages at any time by sending Written Notice to us. You may also change your allocation by telephone, facsimile, and electronic mail if you have provided proper authorization. (See Prospectus "TELEPHONE, FACSIMILE, ELECTRONIC MAIL, AND INTERNET AUTHORIZATIONS")

Our procedures for allocation of premiums during the free-look period vary by state, based on the amount that each state requires to be refunded if the Contract is returned within the free-look period:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

● for Contracts sold to residents of states that allow refund of Contract Value, we will immediately allocate premiums according to the allocation you requested; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

● for Contracts sold as an Individual Retirement Annuity or to residents of states that require either the refund of premiums paid or the refund of the greater of Contract Value or premiums paid, we will allocate premiums received during a 15-day period following the Contract Date to the Federated Hermes Government Money Fund II Subaccount for that 15-day period. At the end of this 15-day period, we will allocate the amount in the Federated Hermes Government Money Fund II Subaccount according to your allocation instructions.

We will allocate the initial premium within two business days of when we receive the premium at our Home Office. In order to allocate the premium in this time frame, you must properly complete the application and it must include all the information necessary to process it, including payment of the initial premium. If the application is not properly completed, we will retain the premium for up to five business days while we attempt to complete the application. If the application is not complete at the end of the 5-day period, we will inform you of the reason for the delay. We will also return the initial premium immediately, unless you specifically consent to our keeping the premium until the application is complete. Once the application is complete, we will allocate the initial premium within two business days. There may be delays in our receipt of application that are outside of our control because of the failure of the registered representative to forward the application to us promptly, because the application was sent to the wrong address, or because of delays in determining that the Contract is suitable for you. Any such delays will affect when your Contract is issued and when your premium is allocated among the Subaccounts and/or the Fixed Account.

We will allocate subsequent premiums at the end of the Valuation Period in which we receive the premium payment at our Home Office. Premiums received at our Home Office before the New York Stock Exchange closes are priced using the Subaccount accumulation unit value determined at the close of that regular business session of the New York Stock Exchange (usually 3:00 p.m. Central Time). If we receive a premium payment after the New York Stock Exchange closes, we will process the order using the Subaccount accumulation unit value determined at the close of the next regular session of the New York Stock Exchange. We will credit amounts to the Subaccounts only on a Valuation Day, that is, on a date the New York Stock Exchange is open for trading.

#### MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT

#### SURRENDERS AND WITHDRAWALS
***Partial Surrenders*.** You may surrender part of the Cash Surrender Value at any time before your death, the Annuitant's death or the Maturity Date. You may submit a Written Notice to the Home Office or provide notice by telephone if you have provided proper authorizations to us. (See Prospectus "TELEPHONE, FACSIMILE, ELECTRONIC MAIL, AND INTERNET AUTHORIZATIONS") We will price a partial surrender request received in good order before the New York Stock Exchange closes using the Subaccount accumulation unit value determined at the close of that regular business session of the New York Stock Exchange (usually 3:00 p.m. Central Time). For requests received in good order after the New York Stock Exchange closes, we will price such partial surrender request using the Subaccount accumulation unit value determined at the close of the next regular session of the New York Stock Exchange. There are no surrender charges associated with a partial surrender.

***Systematic Partial Surrender Plan*.** The Systematic Partial Surrender Plan enables you to authorize an automatic regular payment of a partial surrender amount. If you wish to participate in the plan, you should instruct us to surrender a particular dollar amount from the Contract on a monthly, quarterly, semi-annual or annual basis.

***Full Surrender*.** You may request a surrender of the Contract for its Cash Surrender Value at any time before the earlier of your death, the Annuitant's death, or the Maturity Date. The Cash Surrender Value will equal the Contract Value less:

● any loan balance;

● any premium taxes payable; and

● any withholding taxes.

We will price a surrender request received in good order before the New York Stock Exchange closes for normal trading using the Subaccount accumulation unit value determined at the close of that regular business session of the New York Stock Exchange (usually 3:00 p.m. Central Time). For requests received in good order after the New York Stock Exchange closes, we will price such surrender request using the Subaccount accumulation unit value determined at the close of the next regular session of the New York Stock Exchange.

**Certain federal income tax consequences may apply to a partial surrender or full surrender of the Contract. You should consult your tax adviser before requesting these transactions. (See Prospectus "FEDERAL TAX STATUS") Partial surrenders and full surrenders may significantly reduce the value of death benefits and living benefits.**

***Restrictions on Distributions from Certain Contracts*.** Certain restrictions apply to surrenders and partial surrenders from Contracts used as funding vehicles for Code section 403(b) retirement plans.

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#### ADDITIONAL INFORMATION ABOUT FEES
**The following tables describe the fees and expenses that you will pay when buying, owning, surrendering, or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.** 

**The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract value between investment options. State premium taxes may also be deducted.** 

#### Transaction Expenses

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| | |
|:---|:---|
| &nbsp;&nbsp; Sales Load on Premium Payments  |  |
| &nbsp;&nbsp; Maximum Surrender Charge  |  |
| &nbsp;&nbsp; Transfer Processing Fee  | &nbsp;&nbsp; After the first 6 transfers in a Contract Year, we will charge $25 for each additional transfer during that Contract Year. There is no fee for the first 6 transfers during a Contract Year.  |

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**The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Portfolio Company fees and expenses).** 

**If you choose to purchase an optional benefit, you will pay additional charges, as shown below.**

#### Annual Contract Expenses

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| | |
|:---|:---|
|  | &nbsp;&nbsp; **<u>Maximum Charges</u>**  |
| &nbsp;&nbsp; Administration Fee  |  |
| &nbsp;&nbsp; ***Variable Account Annual Expenses (as a % of average annual Variable Account Value during the accumulation period)***  |  |
| &nbsp;&nbsp; Base Contract Expenses  | &nbsp;&nbsp; 1.65%<sup>4</sup>  |
| &nbsp;&nbsp; ***Optional Rider Charges***  |  |
| &nbsp;&nbsp; FIVE Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit (as a percentage of the Guaranteed Withdrawal Balance)  | &nbsp;&nbsp; 1.20%<sup>5</sup> (0.10% monthly)  |
| &nbsp;&nbsp; Net Loan Interest Charge (as a percentage of amounts held in the loan account)  | &nbsp;&nbsp; 5.00%<sup>6</sup>  |

---

&nbsp;&nbsp;&nbsp;&nbsp; <sup>3</sup> As a percentage of the Guaranteed Withdrawal Balance.

&nbsp;&nbsp;&nbsp;&nbsp; <sup>4</sup> The Base Contract Expenses include a Mortality and Expense Risk Charge of 1.40% and an Asset Based Administrative Charge of 0.25%.

&nbsp;&nbsp;&nbsp;&nbsp; <sup>5</sup> The current annual charge for the FIVE Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit is 0.95% multiplied by the Guaranteed Withdrawal Balance (assessed monthly; the monthly rate is 0.079%).

&nbsp;&nbsp;&nbsp;&nbsp; <sup>6</sup> The maximum guaranteed net cost of loans (available under section 403(b) TSA Qualified Contracts) is 5% annually. The maximum guaranteed net cost of a loan is the difference between the maximum loan interest charged (8%) and the minimum amount credited to the loan account (3%).

------

**The next item shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the Contract. A complete list of Portfolio Companies available under the Contract, including their annual expenses, may be found at the back of this document.** 

#### Annual Portfolio Operating Expenses <sup>7</sup>

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| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp; **<u>Minimum</u>**  | &nbsp;&nbsp; **<u>Maximum</u>**  |
| &nbsp;&nbsp; **Range of Portfolio Operating Expenses** (expenses that are deducted from Portfolio assets, including management fees, distribution or service fees (12b-1 fees), and other expenses-before any contractual waiver of fees and expenses)  | &nbsp;&nbsp; 0.27%  | &nbsp;&nbsp; 1.37%  |

---

&nbsp;&nbsp;&nbsp;&nbsp; <sup>7</sup> The portfolio expenses used to prepare this table were provided to Kansas City Life by the Fund(s) or their investment advisers. The expenses shown are those incurred for the year ended December 31, 2025. Current or future expenses may be greater or less than those shown. If required by applicable law, Kansas City Life may deduct any redemption fees imposed by the Funds.

#### Example of Charges
**This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts with variable options. The example shows the maximum costs of investing in the Contract, including Owner transaction expenses, an annual Guaranteed Minimum Withdrawal Benefit ("GMWB") charge of 1.20% multiplied by the Guaranteed Withdrawal Balance, Variable Account charges, and highest annual portfolio operating expenses for the year ended December 31, 2025.** 

**The example assumes all Contract Value is allocated to the Subaccounts. Your costs could differ from those shown below if you invest in the Fixed Account.**

**The example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:**

If the Contract is surrendered, annuitized or not surrendered at the end of the applicable period:

**Maximum Portfolio Expenses with GMWB**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1 year  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3 years  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5 years  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10 years  |
| &nbsp;&nbsp; $4242  | &nbsp;&nbsp; $12808  | &nbsp;&nbsp; $21487  | &nbsp;&nbsp; $43682  |

---

The example does not reflect transfer fees or premium taxes (which may range up to 3.5%, depending on the jurisdiction).

**Please remember that the example is an illustration and does not represent past or future expenses. Your actual expenses may be higher or lower than those shown. Similarly, your rate of return may be more or less than the 5% assumed in the example.**

**You should not consider the assumed expenses in the example to represent past or future expenses. Actual expenses may be greater or less than those shown. The assumed 5% annual rate of return is hypothetical and you should not view it as a representation of past or future annual returns. Actual returns may be greater or less than the assumed amount.**

**The various Funds themselves or their investment advisers provided the expense information regarding the Portfolios. The Funds and their investment advisers are not affiliated with us. While we have no reason to doubt the accuracy of these figures provided by these non-affiliated Funds, we have not independently verified the figures.**

------

**APPENDIX A – Investment options AVAILABLE UNDER THE CONTRACT**

The following is a list of Portfolio Companies available under the Contract. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies, as noted below. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at https://www.kclife.com/prospectus/default.htm. You can also request this information at no cost by calling us at (800)-616-3670 or by sending an email request to statecompliance@kclife.com.

The current expenses and performance information below reflects the fees and expenses of the Portfolio Companies but do not reflect the other fees and charges that the Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. American Franchise Fund – Series I Shares (Adviser: Invesco Advisers, Inc.).  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.67%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.35%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.87%  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term growth of capital  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. Core Equity Fund – Series I Shares (Adviser: Invesco Advisers, Inc.).  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.80%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16.17%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.81%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.73%  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term growth of capital by investing in health care companies  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. Health Care Fund - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.98%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.33%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.80%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.58%  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)<sup>i</sup><sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - December - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70%<sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.81%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)<sup>i</sup><sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - June - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70%<sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.65%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)<sup>i</sup><sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - March - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70%<sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.64%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  |

---

------

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund) <sup>ii</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - September - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.78%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term growth of capital  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. Technology Fund – Series I Shares (Adviser: Invesco Advisers, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.96%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20.47%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.30%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.78%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide high total return (including income and capital gains) consistent with preservation of capital over the long term  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Asset Allocation Fund – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.54%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.97%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.77%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. Providing growth of capital is a secondary objective  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Capital Income Builder<sup>®</sup> – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.52% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20.41%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.08%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.59%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Capital World Bond Fund<sup>®</sup> – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.73%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.39%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -2.50%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.23%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term growth of capital  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Global Growth Fund – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.65% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21.62%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.23%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.17%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Achieve long-term growth of capital and income  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Growth-Income Fund – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.53%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18.06%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.90%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.92%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> New World Fund<sup>®</sup> – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.82% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28.29%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.33%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.25%  |

---

------

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide high total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Asset Allocation Fund – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.90%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.67%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.43%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.17%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Produce income and to provide an opportunity for growth of principal consistent with sound common stock investing, while seeking to manage volatility and provide downside protection  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Washington Mutual Investors Fund<sup>SM</sup> – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.88%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.65%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.04%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.18%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Growth of capital while seeking to manage volatility and provide downside protection  | American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Growth Fund – Class P2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.93%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.41%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.96%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.74%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Achieve long-term growth of capital and income while seeking to manage volatility and provide downside protection  | American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Growth-Income Fund – Class P2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.88%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.17%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.70%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.98%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide long-term growth of capital while seeking to manage volatility and provide downside protection  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk EUPAC Fund – Class P2 Shares (Formerly American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk International Fund – Class P2 Shares) (Adviser: Capital Research and Management Company<sup>SM</sup>; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.06% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.09%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -0.29%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.90%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The fund seeks long-term capital growth consistent with the preservation of capital. Its secondary goal is current income.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; BNY Mellon Variable Investment Fund Appreciation Portfolio – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Fayez Sarofim Co., LLC (Sarofim & Co.)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.07%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.37%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.92%  |

---

------

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The fund seeks capital growth.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; BNY Mellon Variable Investment Fund Small Cap Portfolio – Initial Shares (Formerly BNY Mellon Variable Investment Fund Opportunistic Small Cap Portfolio – Initial Shares) (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management North America, LLC)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.83%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.99%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.26%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.83%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The fund seeks to match the total return of the S&P 500® Index.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; BNY Mellon Stock Index Fund, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Mellon Investments Corporation)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.27%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17.53%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.11%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.52%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The fund seeks long-term capital appreciation. <br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; BNY Mellon Sustainable U.S. Equity Portfolio, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management Limited).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.97%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.93%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.56%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High long-term total return through growth and current income  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Calamos<sup>®</sup> Advisors Trust, Calamos Growth and Income Portfolio (Adviser: Calamos Advisors LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.27%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17.40%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.90%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.72%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Growth of capital  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Mid Cap Growth Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.07% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.86%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.26%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.89%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Seligman Global Technology Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.20% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34.37%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18.42%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22.70%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Small Cap Value Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.10% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.30%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.97%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Achieve high current income and moderate capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federated Hermes Insurance Series Federated Hermes Managed Volatility Fund II – P (Adviser: Federated Hermes Global Investment Management Corp.; Sub-Adviser: Federated Hermes Investment Management Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.97% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.03%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.56%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.85%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Seek high current income  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federated Hermes Insurance Series Federated Hermes High Income Bond Fund II – P (Adviser: Federated Hermes Investment Management Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.81% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.23%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.70%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.59%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide current income consistent with stability of principal and liquidity  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federated Hermes Insurance Series Federated Hermes Government Money Fund II – S (Adviser: Federated Hermes Investment Management Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.63% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.73%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.80%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.73%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Contrafund<sup>®</sup> Portfolio – Service Class 2 (Adviser: Fidelity Management & Research Company (FMR); Sub-Advisors: FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.79%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21.24%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.08%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.49%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom Retirement Portfolio – Service Class 2 (Formerly Fidelity<sup>®</sup> Variable Insurance Products Freedom Income Portfolio – Service Class 2) (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.61%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.31%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.08%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.17%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity® Variable Insurance Products Freedom 2010 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.63%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.26%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.89%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.46%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2015 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.73%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.33%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2020 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.69%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.99%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.57%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.11%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2025 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.23%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.25%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.75%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2030 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.16%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.98%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.61%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2035 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.78%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16.42%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.28%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.72%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2040 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.82%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18.44%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.73%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.59%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2045 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19.53%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.16%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.82%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2050 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19.50%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.15%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.81%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Franklin Templeton Variable Insurance Products Trust, Franklin Global Real Estate VIP Fund – Class 2 (Adviser: Franklin Templeton Institutional, LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.25% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.93%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.36%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.03%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Franklin Templeton Variable Insurance Products Trust, Franklin Small-Mid Cap Growth VIP Fund – Class 2 (Adviser: Franklin Advisers, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.08% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.52%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.03%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.89%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Franklin Templeton Variable Insurance Products Trust, Templeton Developing Markets VIP Fund – Class 2 (Adviser: Templeton Asset Management Ltd.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.36% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46.27%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.46%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.40%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Franklin Templeton Variable Insurance Products Trust, Templeton Foreign VIP Fund – Class 2 (Adviser: Templeton Investment Counsel, LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.07% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 29.19%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.25%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.75%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Capital Appreciation Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.79% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.72%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.16%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.47%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth by investing in common stocks (Income is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Disciplined Core Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.86%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.78%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.39%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century International Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.95% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.98%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.42%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth (Income is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Mid-Cap Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.86% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.99%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.89%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.12%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Ultra® Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.84%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.68%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17.16%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth (Income is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | 0.71% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16.82%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.65%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.23%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term total return using a strategy that seeks to protect against U.S. inflation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Inflation Protection Fund – Service Class (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.71% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.33%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.62%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.61%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation (Achieving current income by investing primarily in equity securities is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP JPMorgan Mid Cap Value Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.72%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.63%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.77%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth over the long term  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP JPMorgan Small Cap Core Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.77%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.27%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.40%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.95%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide high total return from a portfolio of selected equity securities  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP JPMorgan U.S. Equity Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.63%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.54%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.69%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.84%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Growth Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.73% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.19%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.10%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.60%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Research Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.15%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.93%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total return with an emphasis on current income, but also considering capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Total Return Bond Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.53% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.17%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.15%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.63%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total return  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Total Return Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.61% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.16%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.42%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.63%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total return  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Utilities Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.78% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.01%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.64%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.49%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total return with an emphasis on high current income, but also considering capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust II MFS<sup>®</sup> Income Portfolio – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.67% <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.33%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.58%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide income and capital appreciation with less volatility than the fixed income and equity markets as a whole  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Balanced ETF Portfolio – Class 2 Shares (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.76%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.03%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.83%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.92%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation with less volatility than the equity markets as a whole  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Moderately Aggressive ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.65%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.36%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.13%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation with less volatility than the equity markets as a whole  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Moderate ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.36%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.74%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.72%  |

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&nbsp;&nbsp;&nbsp;&nbsp; <sup>i</sup> Denotes Fund Portfolio and their investment adviser have entered into temporary expense reimbursements and/or fee waivers. See the prospectus for the Fund Portfolio for further information.

&nbsp;&nbsp;&nbsp;&nbsp; <sup>ii</sup> See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT – *Defined Outcome Funds Risks*" in the prospectus and the prospectuses for the Funds for a description of the risks associated with investing in the Invesco V.I. S&P 500 Buffer Funds.

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**The Fixed Account**

The following table describes the Fixed Account investment option that is currently available under the Contract. We may change certain features of the Fixed Account investment option. We will provide you with written notice before doing so. Depending on the optional benefits you choose, you may not be able to invest in the Fixed Account, as noted below.

See **The Fixed Account** for additional information.

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| | |
|:---|:---|
| **Name**  | **Minimum Guaranteed Interest Rate**  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed Account (for Contracts issued on or after May 31, 2011) <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1 Year <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.00%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fixed Account (for Contracts issued prior to May 31, 2011 and for Contracts issued on or after May 31, 2011 in states where the state regulator has not approved a lower guaranteed interest rate) <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1 Year <sup>i</sup> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.00%  |

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&nbsp;&nbsp;&nbsp;&nbsp; <sup>i</sup> The Company reserves the right to shorten the period the interest rate applies to less than one year, except for the year in which such amount is received or transferred.

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If you elect the Five Plus<sup>SM</sup> Guaranteed Minimum Withdrawal Benefit you must allocate your premiums and Contract Value among the Designated Subaccounts on and after the rider effective date. You may not invest in the Fixed Account. Allocation percentages must be whole percentages only and the total allocation percentages in the Designated Subaccounts must equal 100%.

The table below lists available Subaccounts.

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| |
|:---|
| &nbsp;&nbsp; **Designated Subaccount**  |
| &nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Asset Allocation Fund – Class P2 Shares  |
| &nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Washington Mutual Investors Fund<sup>SM</sup> – Class P2 Shares  |
| &nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Growth Fund – Class P2 Shares  |
| &nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Growth-Income Fund – Class P2 Shares  |
| &nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk International Fund – Class P2 Shares  |
| &nbsp;&nbsp; TOPS<sup>®</sup> Managed Risk Balanced ETF Portfolio – Class 2 Shares  |
| &nbsp;&nbsp; TOPS<sup>®</sup> Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares  |
| &nbsp;&nbsp; TOPS<sup>®</sup> Managed Risk Growth ETF Portfolio – Class 2 Shares  |

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This Summary Prospectus incorporates by reference the Contract's Statutory Prospectus and Statement of Additional Information (SAI), both dated May 1, 2026, as amended or supplemented. The SAI may be obtained, free of charge, in the same manner as the prospectus.

**Investment Company Act of 1940 Registration File No. 811-08994**

Contract Identifier C000024866

![](image1.gif)

**3520 Broadway<br>Kansas City, Missouri 64111**

*Kansas City Life's Century II Variable Product Series is distributed by Sunset Financial Services, Inc., a wholly owned subsidiary of Kansas City Life Insurance Company.*

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