# EDGAR Filing Document

**Accession Number:** 0001562577
**File Stem:** 0001562577-26-000142
**Filing Date:** 2026-4
**Character Count:** 84507
**Document Hash:** 8575e210d664bd252850095c68a1a4b1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001562577-26-000142.hdr.sgml**: 20260414

**ACCESSION NUMBER**: 0001562577-26-000142

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260414

**EFFECTIVENESS DATE**: 20260414

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MEMBERS Life Insurance Co
- **CENTRAL INDEX KEY:** 0001562577
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 391236386
- **STATE OF INCORPORATION:** IA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-276157
- **FILM NUMBER:** 26859423

**BUSINESS ADDRESS:**
- **STREET 1:** 2000 HERITAGE WAY
- **CITY:** WAVERLY
- **STATE:** IA
- **ZIP:** 50677
- **BUSINESS PHONE:** 608.238.5851

**MAIL ADDRESS:**
- **STREET 1:** 5910 MINERAL POINT ROAD
- **CITY:** MADISON
- **STATE:** WI
- **ZIP:** 53705

## Series and Classes Contracts Data

### MEMBERS Life Insurance Co (Series ID: S000089882)

| Class ID   | Class Name                   | Ticker Symbol   |
|:---|:---|:---|
| C000256712 | TruStage Zone Income Annuity |  |

**MEMBERS Life Insurance Company**

**SUPPLEMENT DATED MAY 1, 2026** 

**to**

**TruStage**<sup>®</sup> **Zone Income Annuity** 

**Prospectus Dated May 1, 2026**

This Rate Sheet Supplement (this "Supplement") updates the Base Withdrawal Percentages and Annual

Increase Percentages for the Guaranteed Lifetime Withdrawal Benefit (the "GLWB") under the TruStage<sup>®</sup>

Zone Income Annuity Contract (the "Contract"). Please read this Supplement carefully and retain it with

your Contract prospectus for future reference.

The below Base Withdrawal Percentages and Annual Increase Percentages for the GLWB are in effect for

new Contracts issued after December 10, 2022. Once your Contract and GLWB Rider are issued, the

Base Withdrawal Percentages and Annual Increase Percentages applicable to your Contract Issue Date

will not change for the life of your Contract.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Age of Younger Covered** <br>**Person as of the Contract** <br>**Issue Date** | **Base Withdrawal Percentage** | **Base Withdrawal Percentage** | **Annual Increase Percentage** | **Annual Increase Percentage** |
| **Age of Younger Covered** <br>**Person as of the Contract** <br>**Issue Date** | **Single Life** | **Joint Life** | **Single Life** | **Joint Life** |
| **21 - 44** | 2.50% | 2.00% | 0.40% | 0.40%  |
| **45** | 3.50% | 3.00% | 0.40%  | 0.40%  |
| **46** | 3.65% | 3.15% | 0.40%  | 0.40%  |
| **47** | 3.80% | 3.30% | 0.40%  | 0.40%  |
| **48** | 3.95% | 3.45% | 0.40%  | 0.40%  |
| **49** | 4.10% | 3.60% | 0.40%  | 0.40%  |
| **50** | 4.25% | 3.75% | 0.40%  | 0.40%  |
| **51** | 4.40% | 3.90% | 0.40%  | 0.40%  |
| **52** | 4.55% | 4.05% | 0.40%  | 0.40%  |
| **53** | 4.70% | 4.20% | 0.40%  | 0.40%  |
| **54** | 4.85% | 4.35% | 0.40%  | 0.40%  |
| **55** | 5.00% | 4.50% | 0.40%  | 0.40%  |
| **56** | 5.10% | 4.60% | 0.40%  | 0.40%  |
| **57** | 5.20% | 4.70% | 0.40%  | 0.40%  |
| **58** | 5.30% | 4.80% | 0.40%  | 0.40%  |
| **59** | 5.40% | 4.90% | 0.40%  | 0.40%  |
| **60** | 5.50% | 5.00% | 0.40%  | 0.40%  |
| **61** | 5.65% | 5.15% | 0.40%  | 0.40%  |
| **62** | 5.80% | 5.30% | 0.40%  | 0.40%  |
| **63** | 5.95% | 5.45% | 0.40%  | 0.40%  |
| **64** | 6.10% | 5.60% | 0.40%  | 0.40%  |
| **65** | 6.25% | 5.75% | 0.40%  | 0.40%  |
| **66** | 6.30% | 5.80% | 0.40%  | 0.40%  |
| **67** | 6.35% | 5.85% | 0.40%  | 0.40%  |
| **68** | 6.40% | 5.90% | 0.40%  | 0.40%  |
| **69** | 6.45% | 5.95% | 0.40%  | 0.40%  |
| **70** | 6.50% | 6.00% | 0.40%  | 0.40%  |

---

---

| | | | |
|:---|:---|:---|:---|
| **71** | 6.60% | 6.10% | 0.40%  |
| **72** | 6.70% | 6.20% | 0.40%  |
| **73** | 6.80% | 6.30% | 0.40%  |
| **74** | 6.90% | 6.40% | 0.40% |
| **75** | 7.00% | 6.50% | 0.40% |
| **76** | 7.05% | 6.55% | 0.40% |
| **77** | 7.10% | 6.60% | 0.40% |
| **78** | 7.15% | 6.65% | 0.40% |
| **79** | 7.20% | 6.70% | 0.40% |
| **80+** | 7.25% | 6.75% | 0.40% |

---

**This Supplement has no specified end date. These rates are effective for new Contracts until** 

**superseded by a subsequent Rate Sheet Supplement. We will file a new Rate Sheet Supplement at** 

**least 10 Business Days before new Base Withdrawal Percentages and Annual Increase** 

**Percentages go into effect.**

Please refer to Appendix C of the prospectus for historical Base Withdrawal Percentages and Annual

Increase Percentages for prior Contract Issue Dates.

To confirm the most current percentages or if you have any questions, please work with your financial

professional; contact us at 2000 Heritage Way, Waverly, IA 50677 or by calling 1-800-798-5500; or go to

www.sec.gov under File No. 333-276157.

**TruStage**<sup>™</sup> **Zone Income Annuity** 

**Issued by:**

**MEMBERS Life Insurance Company**

**INITIAL SUMMARY PROSPECTUS FOR NEW INVESTORS**

**DATED MAY 1, 2026**

This Initial Summary Prospectus summarizes key features of the TruStage™ Zone Income Annuity, an

individual or joint owned, single premium deferred modified guaranteed index annuity contract. Before you

invest, you should also review the prospectus for 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 https://www.trustage.com/regulatory-documents. You can also obtain this information at

no cost by calling 1-800-798-5500 or by emailing AnnuityAndPRTManagersMail@trustage.com.

**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 (less** 

**any withdrawals) or your total Contract Value, depending on the state in which your Contract was** 

**issued. You should review this prospectus, or consult with your investment professional, for** 

**additional information about the specific cancellation terms that apply.**

Additional information about certain investment products, including index-linked annuities, has been

prepared by the Securities and Exchange Commission's staff and is available at investor.gov/.

**Neither the SEC nor any state securities commission has approved or disapproved of these** 

**securities or determined if this Prospectus is truthful or complete. Any representation to the** 

**contrary is a criminal offense.** 

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| **[GLOSSARY](#i8f2dd73f7f7a4b0089ef70499faf3829)** | **[4](#i8f2dd73f7f7a4b0089ef70499faf3829)** |
| **[OVERVIEW OF THE CONTRACT](#i719cc648eabd41e5ae949fb71c98dc98)** | **[7](#i719cc648eabd41e5ae949fb71c98dc98)** |
| **[KEY INFORMATION](#i67c3271c9bb44eb2a5f4d62286ddacf7)** | **[13](#i67c3271c9bb44eb2a5f4d62286ddacf7)** |
| **[BENEFITS AVAILABLE UNDER THE CONTRACT](#i862a058d759543b9b03c08af59841174)** | **[19](#i862a058d759543b9b03c08af59841174)** |
| **[BUYING THE CONTRACT](#ib42cc43f3d7f4b17a807ad4b1c4fc76a)** | **[19](#ib42cc43f3d7f4b17a807ad4b1c4fc76a)** |
| **[MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#if326adc656fd4de185171f27c426bc47)** | **[20](#if326adc656fd4de185171f27c426bc47)** |
| **[ADDITIONAL INFORMATION ABOUT FEES](#i92a0168ccf7543658625583e9b803750)** | **[22](#i92a0168ccf7543658625583e9b803750)** |

---

---

| | |
|:---|:---|
| **APPENDIX - ALLOCATION OPTIONS AVAILABLE UNDER THE CONTRACT** | **A-1** |

---

**GLOSSARY**

**Accumulation Credit** – A unit of measure used to calculate Risk Control Account Value.

**Accumulation Credit Factor** – A dollar value for each Accumulation Credit in a Risk Control Account.

**Accumulation Period** – The phase of the Contract that begins on the Contract Issue Date and ends on

the Payout Date, or the date the Contract is terminated if earlier.

**Adjusted Index Value** – The Closing Index Value adjusted for the Cap or Floor for the current Contract

Year.

**Administrative Office** – MEMBERS Life Insurance Company, 2000 Heritage Way, Waverly, Iowa 50677.

Phone: 1-800-798-5500.

**Age** – Age as of last birthday.

**Allocation Level** – Specific levels identified in your Contract for the sole purpose of administering

allocation instructions according to the requirements of the Contract.

**Allocation Options** – All Risk Control Account and Declared Rate Account options available under the

Contract for allocating your Contract Value.

**Annual Free Withdrawal Amount** – The amount that can be withdrawn without incurring a Surrender

Charge or Market Value Adjustment each Contract Year. It is equal to 10% of the Contract Value

determined at the beginning of the Contract Year.

**Annual Increase Percentage** – The percentage that is added to the GLWB Percentage for each

completed Contract Year from the Contract Issue Date until the GLWB Payment Start Date, subject to a

maximum of 10 years.

**Annuitant (Joint Annuitant)** – The natural person(s) whose life (or lives) determines the amount of

income payments under the Contract.

**Authorized Request** – A signed and dated request that is in Good Order (as "Good Order" is defined

below). A request to change your allocation instructions must be signed by all Owners. A request to

change a party to the Contract, change the Payout Date or request a partial withdrawal or full surrender of

the Contract must be signed by all Owners. All Authorized Requests can be initiated by fax or mail. An

Authorized Request may also include a phone or electronic request except in the following situations: any

Contracts with restrictions such as an Irrevocable Beneficiary, collateral assignment, or trust; any

Contracts that include reference to divorce, bankruptcy, power of attorney, or similar legal agreement; any

Contracts with Joint Owners where both Owners are not available to speak over the phone; any

distribution made payable to another financial institution; when requesting partial withdrawals greater than

$25,000; when requesting to start GLWB Payments; and when requesting a full surrender of the Contract.

**Base Withdrawal Percentage** – The GLWB Percentage on the Contract Issue Date.

**Bailout Rate** – A specific rate that applies to the Bailout Provision.

**Bailout Provision** – If the Cap for your Risk Control Account is set below the Bailout Rate prominently

displayed on your Contract Data Page, the Bailout Provision allows you to withdraw the Risk Control

Account Value from that Risk Control Account during the 30-day period following the Contract

Anniversary. A Market Value Adjustment and Surrender Charges will not apply to such withdrawal.

**Beneficiary** – The person(s) (or entity) you named to receive proceeds payable due to the death of the

Owner. Before the Payout Date, if no Beneficiary survives the Owner, we will pay the Death Benefit

proceeds to the Owner's estate.

**Business Day** – Any day that the New York Stock Exchange is open for trading. All requests for

transactions that are received at our Administrative Office in Good Order on any Business Day prior to

market close, generally 4:00 P.M. Eastern Time, will be processed as of the end of that Business Day.

**Cap** – The maximum annual Index Return the Company will use in calculating interest credited to Risk

Control Account Value for a Contract Year. The Cap does not reflect deduction of the Contract Fee or the

GLWB Rider Fee.

**Company** – MEMBERS Life Insurance Company; also referred to as "we", "our" and "us".

**Contract** – The TruStage<sup>®</sup> Zone Income Annuity, an individual or joint owned, single premium deferred

modified guaranteed index annuity contract issued by MEMBERS Life Insurance Company.

**Contract Anniversary** – The same day and month as the Contract Issue Date for each year the Contract

remains in force. If a Contract Anniversary does not fall on a Business Day, any transactions required as

of that date will be processed on the next Business Day.

**Contract Fee** – An annual fee assessed against Contract Value in the Risk Control Account(s). This fee

equals a percentage of the Accumulation Credit Factor for the Risk Control Account at the start of a

Contract Year. This fee compensates us for the expenses, mortality risk and expense risk assumed by us.

**Contract Issue Date** – The date we use to determine Contract Years and Contract Anniversaries.

**Contract Value** – The total value of your Contract during the Accumulation Period. All values are

calculated as of the end of a Business Day.

**Contract Year** – Any twelve-month period beginning on the Contract Issue Date or Contract Anniversary

and continuing until the end of the day before the next Contract Anniversary.

**Covered Person(s)** – The natural person(s) whose Age and lifetime we base the GLWB Percentage and

GLWB Payments on under the GLWB Rider.

**Data Page** – Pages attached to your Contract that describe certain terms applicable to your specific

Contract.

**Death Benefit** – The greater of Contract Value or the Purchase Payment adjusted for withdrawals as of

the date Death Benefits are payable. We do not apply the Surrender Charge or Market Value Adjustment

in determining the Death Benefit payable.

**Declared Rate Account** – An Allocation Option to which we credit a single fixed annual rate of interest

referred to as the Interest Rate.

**Excess Withdrawal** – Any partial withdrawal other than a GLWB Payment. This includes the portion of a

withdrawal that, when added to other withdrawals during the Contract Year, is greater than the total GLWB

Payment for the current Contract Year. Excess Withdrawals include partial withdrawals prior to the GLWB

Payment Start Date and deductions for any applicable Surrender Charge and Market Value Adjustment.

Required Minimum Distributions ("RMDs") are Excess Withdrawals if taken prior to the GLWB Payment

Start Date. After the GLWB Payment Start Date, RMDs are not Excess Withdrawals.

**Floor** – The minimum annual Index Return the Company will use in calculating interest credited to Risk

Control Account Value for the life of the Contract.

**General Account** – All of the Company's assets other than the assets in its separate accounts.

**GLWB** or **Guaranteed Lifetime Withdrawal Benefit** – A withdrawal benefit feature that is part of your

Contract. Subject to certain conditions, the Guaranteed Lifetime Withdrawal Benefit provides for GLWB

Payments to be made each year for the life of the Covered Person(s) in the form of partial withdrawals

without reducing the value of GLWB Payments in future years. The GLWB Payments are guaranteed

regardless of investment performance and will continue even if the Contract Value is reduced to zero from

GLWB Payments.

**GLWB Benefit Base** – The amount upon which the GLWB Payment is based.

**GLWB Rider Fee** – An annual fee assessed against the GLWB Benefit Base while the Guaranteed

Lifetime Withdrawal Benefit is in effect. The fee compensates us for the expenses, mortality risk, and

expense risk assumed by us for providing the Guaranteed Lifetime Withdrawal Benefit.

**GLWB Payment(s)** – The payment made each year under the Guaranteed Lifetime Withdrawal Benefit

that is equal to the GLWB Percentage multiplied by the GLWB Benefit Base.

**GLWB Percentage** – The percentage applied to the GLWB Benefit Base to determine the GLWB

Payment.

**GLWB Payment Start Date** – The date GLWB Payments begin.

**Good Order** – A request or transaction generally is considered in "Good Order" if we receive it at our

Administrative Office within the time limits, if any, prescribed in this Prospectus for a particular transaction

or instruction, it includes all information and supporting legal documentation necessary for us to execute

the requested instruction or transaction, and is signed by the individual or individuals authorized to

provide the instruction or engage in the transaction. A request or transaction may be rejected or delayed if

not in Good Order. This information and documentation necessary for a transaction or instruction

generally includes, to the extent applicable: the completed application or instruction form; your contract

number; the transaction amount (in dollars or percentage terms); the signatures of all Owners (exactly as

indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or

supporting documentation that we may require, including any consents. With respect to the Purchase

Payment, Good Order also generally includes receipt by us of sufficient funds to affect the purchase. We

may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we

reserve the right to change or waive any Good Order requirement at any time. If you have any questions,

you should contact us or your financial professional before submitting the form or request.

**Income Payout Option** – The choices available under the Contract for payout of your Contract Value.

**Index, Indices** – The reference index (or indices) we use in determining interest credited to the Risk

Control Account Value.

**Index Return** – The change in the Index for the current Contract Year, adjusted for the Cap or Floor**.**

**Initial Index Value** – The value for the reference Index as of the start of a Contract Year.

**Interest Rate** – The fixed rate of interest credited to the Declared Rate Account. The Interest Rate will

never be less than the Minimum Interest Rate.

**Internal Revenue Code (IRC)** – The Internal Revenue Code of 1986, as amended.

**Irrevocable Beneficiary** – A Beneficiary who must consent to being changed or removed as a

Beneficiary.

**Market Value Adjustment** – The amount of an adjustment (increase or decrease) that may be applied to

a full surrender or partial withdrawal, also referred to as the MVA.

**Minimum Interest Rate** – The minimum rate of interest we will credit Contract Value held in the Declared

Rate Account.

**Owner (Joint Owner)** – The person(s) (or entity) who owns the Contract and, in the case of a person(s),

whose death determines the Death Benefit. The Owner is also the person(s) (or entity) who receives

income payments during the Payout Period while the Annuitant is living. If there are multiple Owners,

each Owner will be a Joint Owner of the Contract and all references to Owner will mean Joint Owners.

The Owner has all rights, title and interest in the Contract. The Owner may exercise all rights and options

stated in the Contract, subject to the rights of any Irrevocable Beneficiary or assignee. The Owner is also

referred to as "you" or "your."

**Payout Date** – The date the first income payment is paid from the Contract to the Owner.

**Purchase Payment** – A single payment that we require to issue the Contract. We do not allow any

additional Purchase Payments under the Contract.

**Qualified Contract** – An annuity that is part of an individual retirement plan, pension plan or employer-

sponsored retirement program that is qualified for special treatment under the IRC.

**Rate Sheet Supplement** – a periodic supplement to this Prospectus that provides the current Base

Withdrawal Percentages and Annual Increase Percentages for the Guaranteed Lifetime Withdrawal

Benefit for newly-issued Contracts.

**Required Minimum Distributions** – The Required Minimum Distribution (RMD) defined by the IRC for

this Contract and as determined by us.

**Risk Control Account** – An interest crediting option to which you may allocate your Contract Value. We

credit interest under each Risk Control Account based in part on the performance of a reference Index,

subject to a Cap and Floor. There are two types of Risk Control Accounts, the Secure Account and the

Growth Account.

**Risk Control Account Value** – The amount of Contract Value in a Risk Control Account.

**SEC** – The U.S. Securities and Exchange Commission.

**Spouse** – The person to whom you are legally married. The term Spouse includes the person with whom

you have entered into a legally-sanctioned marriage that grants you the rights, responsibilities, and

obligations married couples have in accordance with applicable state laws*.* Individuals who do not meet

the definition of Spouse may have adverse tax consequences when exercising provisions under this

Contract and any attached endorsements or riders. Additionally, individuals in other arrangements that are

not recognized as marriage under the relevant state law will not be treated as married or as Spouses as

defined in this Contract for federal tax purposes. Consult with a tax advisor for more information on this

subject and before exercising benefits under the Contract and any attached endorsements or riders.

**Surrender Charge** – The charge associated with surrendering either some or all of the Contract Value

during the first six Contract Years.

**Surrender Value** – The amount you are entitled to receive if you elect to surrender the Contract during

the Accumulation Period.

**Terminally Ill, Terminal Illness** – A life expectancy of 12 months or less due to any illness or accident.

**Valuation Period** – The period beginning at the close of one Business Day and continuing to the close of

the next succeeding Business Day.

**OVERVIEW OF THE CONTRACT**

The following is a summary of the key features of the Contract. This summary does not include all the

information you should consider before purchasing a Contract. You should carefully read the entire

Prospectus, which contains more detailed information concerning the Contract and the Company, before

making an investment decision.

You should speak with a financial professional about the Contract's features, benefits, risks and fees, and

whether it is appropriate for you based upon your financial situation and objectives. The Company is not

an investment adviser and does not provide any investment advice to you in connection with your

Contract

The availability of Allocation Options, Contract benefits, and other Contract features described in this

Prospectus may vary by state and depending on the broker-dealer through which the Contract is sold.

**Purpose**

The Contract is an individual or joint owned, single premium deferred modified guaranteed index annuity

contract. Your Contract can help you save for retirement because your Contract Value can earn interest

from the Risk Control Accounts and/or the Declared Rate Account on a tax-deferred basis, and it provides

the opportunity for guaranteed lifetime payments. You generally will not pay taxes on your earnings until

you withdraw them.

The Contract is designed for long-term investors and is not intended for someone who needs ready

access to cash.

**Purchase and Contract Periods**

You may purchase the Contract with a single Purchase Payment of at least $10,000. **We do not allow** 

**additional Purchase Payments**.

There are two periods to your Contract: an Accumulation Period and a Payout Period.

***Accumulation Period.*** The Accumulation Period begins on the Contract Issue Date and continues until

the Payout Date. During the Accumulation Period, you allocate your Contract Value to the Risk Control

Accounts and the Declared Rate Account. Each of these types of Allocation Options is briefly described

below. **Additional information about each Allocation Option is provided in Appendix A.**

***Payout Period.*** The Payout Period begins on the Payout Date and continues until we make the last

payment as provided by the Income Payout Option chosen. On the first day of the Payout Period, the

Contract Value will be applied to the Income Payout Option you selected unless the GLWB Benefit is in

effect and the GLWB Payment would be higher. When the Payout Period begins, you will no longer be

able to make withdrawals. The Death Benefit terminates when the Contract Value is applied to an Income

Payout Option, at which time the Death Benefit depends on the terms of the Income Payout Option.

**Allocation Options**

Your Purchase Payment and Contract Value will be allocated according to your allocation instructions on

file with us for the applicable allocation levels. There are two allocation levels: Level A (Allocation Option

Level) and Level R (Risk Control Account Level).

---

| | | | |
|:---|:---|:---|:---|
| **Allocation Options for Contracts issued on or after May 25, 2024** | **Allocation Options for Contracts issued on or after May 25, 2024** | **Allocation Options for Contracts issued on or after May 25, 2024** | **Allocation Options for Contracts issued on or after May 25, 2024** |
| **Interest** <br>**Term\***<br>| **Level A**<br>**Allocation Option Level**<br>| **Level R**<br>**Risk Control Account Level**<br>| **Crediting Strategy\*\*** |
| 1 year | Declared Rate | N/A | Fixed Interest Rate <br>(guaranteed for 1 year)<br>|
| 1 year | S&P 500 Index | Secure Account | 0% Floor, Cap |
| 1 year | S&P 500 Index | Growth Account | -10% Floor, Cap |
| 1 year | Dimensional US Small Cap <br>Value Systematic Index | Secure Account | 0% Floor, Cap |
| 1 year | Dimensional US Small Cap <br>Value Systematic Index | Growth Account | -10% Floor, Cap |
| 1 year | Barclays Risk Balanced Index | Secure Account | 0% Floor, Cap |
| 1 year | Barclays Risk Balanced Index | Growth Account | -10% Floor, Cap |
| 1 year | MSCI EAFE Index | Secure Account | 0% Floor, Cap |
| 1 year | MSCI EAFE Index | Growth Account | -10% Floor, Cap |

---

\*The Interest Term is the period for which interest is calculated for an Allocation Option.

\*\*The Declared Rate Account Interest Rate will never be below the Minimum Interest Rate. The Floor will

not change during the life of your Contract. In return for accepting some risk of loss to your Risk Control

Account Value allocated to the Growth Account, the Cap for the Growth Account is higher than the Cap

for the Secure Account. We set the Cap each year for the next Contract Year. The Cap will always be at

least 1%.

On each Contract Anniversary, as part of automatic rebalancing, we will reallocate your Contract Value

based on your most recent allocation instructions that we have on file. Although you may reallocate

among Allocation Options each year, Excess Withdrawals and surrenders on any date other than each

sixth Contract Anniversary may be subject to a Market Value Adjustment and Surrender Charge.

We may offer additional Risk Control Accounts with the same or additional Indices at our discretion. We

may also discontinue a Risk Control Account, effective as of a Contract Anniversary. In any case, we will

notify you of the addition or discontinuation of a Risk Control Account. Such a change will be subject to

any applicable regulatory approval that may be required.

***Declared Rate Account.*** The portion of your Contract Value allocated to the Declared Rate Account is

credited interest daily based on a fixed annual interest rate. The applicable daily interest rate is the rate

that, when compounded, equals the Interest Rate. The initial Interest Rate is available at least two weeks

in advance of the Contract Issue Date and will be provided by your financial professional or by calling the

Company at 1-800-798-5500. For Contracts issued on or after May 25, 2024, the Interest Rate is

guaranteed for one year. We will notify you of any applicable change to the Interest Rate at least two

weeks prior to the change. The Interest Rate will never be less than the Minimum Interest Rate.

***Risk Control Accounts****.* The portion of your Contract Value allocated to a Risk Control Account is

credited with interest, if any, based in part on the investment performance of an external Index (shown in

the table above), subject to a Cap and Floor unique to each Risk Control Account. For each Risk Control

Account, the Index Return, which can be positive or negative, is calculated by comparing the change in

the Index from each Contract Anniversary (the first day of the Contract Year) to the last day of the

Contract Year. When funds are withdrawn from a Risk Control Account prior to the Contract Anniversary

for a surrender, partial withdrawal, annuitization, GLWB Payments or Death Benefit payment, Index

interest is calculated up to the date of withdrawal.

**The Indices can go up or down based on the securities prices of the companies that comprise the** 

**reference Index. Except for the Barclays Risk Balanced, each Index associated with the Risk** 

**Control Accounts is a "price return index," which means the Index performance does not include** 

**dividends paid on the securities comprising the Index. This will reduce Index performance and will** 

**cause the Index to underperform a direct investment in the underlying securities.** The Barclays

Risk Balanced Index reinvests dividends but deducts certain fees. These deductions will reduce Index

performance, and the Index will underperform similar portfolios from which these fees and costs are not

deducted. Because the Index Return is calculated and applied at a single point in time, you may

experience negative or flat performance even though the Index experienced gains through some, or most,

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

Each Risk Control Account has two investment options, a Secure Account and a Growth Account, which

have different Floors and Caps. The Floors may provide protection by limiting the amount of negative

Index interest credited to you for negative Index performance, but the Caps may limit the amount of

interest you can earn from positive Index performance. During the life of your Contract, an Allocation

Option with a Floor of 0% will always be available, and we will continue to make a Secure Account and

Growth Account option available for each Risk Control Account that is available to you. **Otherwise, we** 

**may add, change, or discontinue Allocation Options and Indices from time to time. The remaining** 

**Allocation Options may have terms that are unacceptable to you and may not provide any** 

**protection from Index losses, which could result in the loss of the entire amount of your Contract** 

**Value.** 

• The Floor is the maximum amount of negative Index interest we will credit you each Contract

Year. The Floor will not change during the life of your Contract. Negative Index performance will

reduce your Risk Control Account Value by up to the amount of the Floor. For example, if the

reference Index performance is -25% and the Floor is -10%, we will credit -10% in Index interest

at the end of the Contract Year, meaning your Risk Control Account Value will decrease by 10%

due to negative Index performance. The Secure Account provides the most protection from

negative investment performance. The Secure Account has a Floor of 0%, which means that

negative Index performance will not reduce your Risk Control Account Value. The Growth Account

has a Floor of -10%, which means that negative Index performance could reduce your Risk

Control Account Value by up to 10% each year. **It is possible that you will not earn any** 

**interest in a Risk Control Account or that we may credit negative interest to the Growth** 

**Account. There is a risk of loss of principal and previously credited interest with the** 

**Growth Account of up to 10% (with a Floor of -10%) each Contract Year due to negative** 

**Index performance. The Floor does not limit losses from the Contract Fee, the GLWB Rider** 

**Fee, Surrender Charge, Market Value Adjustment, or taxes**.

• The Cap is the maximum amount of positive Index interest we will credit you at the end of a

Contract Year. Positive Index performance will increase your Risk Control Account Value by up to

the amount of the Cap. For example, if the reference Index performance is 12% and the Cap is

4%, we will credit 4% in Index interest at the end of the Contract Year, meaning your Risk Control

Account Value will increase by 4% due to positive Index performance. In return for accepting

some risk of loss to your Contract Value allocated to the Growth Account, the Cap declared for

the Growth Account will be higher than the Cap declared for the Secure Account for the same

period and reference Index, which allows the potential for greater increases to your Risk Control

Account Value allocated to a Growth Account. The initial Cap is available at least two weeks in

advance of the Contract Issue Date and will be provided by your financial professional or by

calling the Company at 1-800-798-5500. We declare new Caps for each Contract Year, which we

guarantee for the next Contract Year. We will notify you of the Caps for the upcoming Contract

Year at least two weeks prior to the Contract Anniversary. The minimum Cap is 1%. With the Cap,

you may receive only a portion of any positive Index performance.

The same Index will generally be used for each Risk Control Account for the duration of the Contract Year.

However, if the publication of an Index is discontinued, or calculation of the Index is materially changed,

we will substitute a suitable Index that will be used for the remainder of the Contract Year and will notify

you of the change in advance. If we substitute an Index, the performance of the new Index may differ from

the original Index, which may, in turn, affect the index interest credited and your Contract Value.

**Withdrawal Options and Market Value Adjustment**

**This Contract may not be appropriate for you if you intend to take partial withdrawals other than** 

**GLWB Payments ("Excess Withdrawals"), or surrender your Contract.** However, the Contract offers

the following liquidity features during the Accumulation Period.

• Annual Free Withdrawal Amount – Each Contract Year, you may withdraw up to 10% of your

Contract Value determined as of the beginning of the Contract Year without incurring a Surrender

Charge or Market Value Adjustment. Any unused Annual Free Withdrawal Amount will not carry

over to any subsequent Contract Year.

• Partial Withdrawals – You may make partial withdrawals during the Accumulation Period by

Authorized Request. Any applicable Surrender Charge and Market Value Adjustment will affect

the amount available for a partial withdrawal.

• Full Surrender – You may surrender your Contract during the Accumulation Period by Authorized

Request. Upon full surrender, a Surrender Charge and Market Value Adjustment may apply.

• GLWB Payments – GLWB Payments are considered withdrawals. GLWB Payments are not

subject to a Surrender Charge or Market Value Adjustment. Each GLWB Payment will reduce the

Death Benefit, Surrender Value, Contract Value, and the Annual Free Withdrawal Amount by the

amount of the GLWB Payment.

All withdrawals other than GLWB Payments are Excess Withdrawals that could significantly reduce the

Death Benefit, GLWB Benefit Base, and GLWB Payment, perhaps by more than the amount of the

withdrawal, and could terminate the Contract. Additionally, Excess Withdrawals or surrenders of Contract

Value on any date other than each sixth Contract Anniversary will be subject to a Market Value

Adjustment, which may be positive or negative and could result in the loss of principal previously credited

interest. A negative Market Value Adjustment may significantly decrease the amount you receive upon

surrender or partial withdrawal. **It is possible in extreme circumstances to lose up to 90% of your** 

**principal and previously credited interest per year due to the Market Value Adjustment, regardless** 

**of the Allocation Option to which you allocated Contract Value.** Withdrawals and surrenders may

also be subject to a Surrender Charge. Withdrawals and surrenders are subject to federal income taxes

and may be subject to a 10% additional tax if taken before the Owner is age 59½.

**Guaranteed Lifetime Withdrawal Benefit**

The Guaranteed Lifetime Withdrawal Benefit is automatically included with your Contract. An annual fee is

deducted from your Contract for the Guaranteed Lifetime Withdrawal Benefit. Subject to certain

conditions, the Guaranteed Lifetime Withdrawal Benefit provides GLWB Payments based on a

percentage of your GLWB Benefit Base for the life of a Covered Person(s). There are restrictions on who

can become a Covered Person, and the Owner cannot request to remove a Covered Person or to add or

change a Covered Person except as described in this Prospectus. Also, joint life GLWB Payments are not

available for non-natural owners.

The GLWB Payment is calculated on the GLWB Payment Start Date. Beginning May 25, 2024, GLWB

Payments can begin as early as the 50th birthday of the youngest Covered Person or two Business Days

after the Contract Issue Date. You may take the full GLWB Payment or partial GLWB Payment amount

through the systematic withdrawal program. If you take less than the GLWB Payment, the remaining

GLWB Payment not taken will not carry over to future years. Payments can begin as late as the

anticipated Payout Date shown on your Contract Data Page. Upon reaching the Payout Date, we will

begin income payments (which will be the greater of the GLWB Payment or the income payment under

the Income Payout Option you elect) unless the Contract is surrendered.

The GLWB Payments are guaranteed regardless of investment performance and will continue even if the

Contract Value is reduced to zero from GLWB Payments. The GLWB Payment is a withdrawal of your own

Contract Value unless the Contract Value is reduced to zero. The probability of you outliving your Contract

Value and receiving the GLWB Payment from our General Account may be minimal. Withdrawals taken

before the GLWB Payment Start Date, including RMDs, and withdrawals taken after the GLWB Payment

Start Date that exceed the GLWB Payment amount, will reduce the GLWB Benefit Base and the GLWB

Payment, perhaps significantly, and could terminate the Contract. GLWB Payments continue during the

life of the Covered Person(s) unless the Guaranteed Lifetime Withdrawal Benefit Rider is terminated. The

Death Benefit is still payable after GLWB Payments begin but will be reduced by the GLWB Payments.

Once established, the GLWB Benefit Base and GLWB Payment can only decrease if you take an Excess

Withdrawal. If an Excess Withdrawal causes the Surrender Value to be less than $2,000, your Contract

will terminate and GLWB Payments will cease. Before processing the full surrender, we will attempt to

contact you or your financial professional to provide the opportunity for you to take a lesser withdrawal to

maintain a Surrender Value of at least $2,000. If we are unable to contact you within one Business Day

after receiving your request, we will process the full surrender.

GLWB Payments are subject to federal income tax and may be subject to a 10% additional tax if elected

prior to age 59½.

The Base Withdrawal Percentages and Annual Increase Percentages for the GLWB effective for newly

issued Contracts are set forth in a Rate Sheet Supplement. You should not purchase a Contract without first

obtaining the Rate Sheet Supplement applicable to your Contract Issue Date.

**Other Contract Features**

***Rebalancing / Reallocation***. You can provide instructions to reallocate your Contract Value among the

available Allocation Options by submitting new allocation instructions by Authorized Request. On each

Contract Anniversary, we will automatically rebalance your Contract Value between Allocation Options to

return your Contract Values to those reflected in the instructions on file with us. Any new allocation

change request will supersede any prior allocation instructions. You cannot discontinue the automatic

rebalancing of Contract Value on Contract Anniversaries.

***Bailout Provision.*** If the Cap for your Risk Control Account is set <u>below</u> the Bailout Rate specified on

your Data Page for that Risk Control Account, the Bailout Provision allows you to withdraw the Risk

Control Account Value from that Risk Control Account during the 30-day period following the Contract

Anniversary by Authorized Request. A Market Value Adjustment and Surrender Charge will not apply to

such withdrawal. If the Cap for your Risk Control Account is less than the Bailout Rate, we may at our

discretion restrict allocations into that Risk Control Account.

A withdrawal under the Bailout Provision will reduce the GLWB Benefit Base, which is used to determine

the GLWB Payment, and the Purchase Payment, which is used to determine the Death Benefit, perhaps

by more than the amount of withdrawal. Such withdrawals will be subject to federal income tax and may

be subject to a 10% additional tax.

***Death Benefit.*** The Death Benefit during the Accumulation Period is equal to the greater of Contract

Value or the Purchase Payment adjusted for withdrawals as of the date the Death Benefit is payable.

**Withdrawals reduce the Death Benefit, and in some cases, withdrawals could reduce the Death** 

**Benefit by substantially more than the amount of the withdrawal because of the Company's** 

**calculation of withdrawals on a proportionate basis when adjusting the Purchase Payment used to** 

**determine the Death Benefit.** We do not apply the Surrender Charge or Market Value Adjustment in

determining the Death Benefit payable.

***Income Payout Options.*** You have several income options to choose from during the Payout Period.

***Right to Examine.*** You may cancel your Contract within 10 days after you receive the Contract (30 days

if it is a replacement Contract) and return it to your financial professional or to us to receive either your

Purchase Payment or your Contract Value, depending upon applicable state law.

Please call your financial professional or the Company at 1-800-798-5500 if you have questions about

how your Contract works.

**KEY INFORMATION**

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| **IMPORTANT INFORMATION YOU SHOULD CONSIDER** <br>**ABOUT THE TRUSTAGE**<sup>®</sup> **ZONE INCOME ANNUITY** | **IMPORTANT INFORMATION YOU SHOULD CONSIDER** <br>**ABOUT THE TRUSTAGE**<sup>®</sup> **ZONE INCOME ANNUITY** | **IMPORTANT INFORMATION YOU SHOULD CONSIDER** <br>**ABOUT THE TRUSTAGE**<sup>®</sup> **ZONE INCOME ANNUITY** |
| **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | Location in <br>Prospectus<br>|
| **Are There Charges** <br>**or Adjustments for** <br>**Early Withdrawals?**<br>| **Yes.** If you surrender your Contract or take an Excess <br>Withdrawal during the first six Contract Years, you may pay a <br>Surrender Charge of up to 9% (up to 8% for Contracts issued <br>on or after May 24, 2024) of the amount withdrawn in excess <br>of the Annual Free Withdrawal Amount. For example, if you <br>were to surrender your Contract during the first Contract Year, <br>you could pay a Surrender Charge of up to $8,100 on a <br>$100,000 investment. This loss will be greater if there is a <br>negative Market Value Adjustment, income taxes, or an <br>additional tax.<br>If you surrender your Contract or take an Excess Withdrawal <br>on any day other than every sixth Contract Anniversary, we <br>will apply a Market Value Adjustment (which may be positive <br>or negative) to the amount being withdrawn that is in excess <br>of the Annual Free Withdrawal Amount. A negative Market <br>Value Adjustment could significantly decrease the amount <br>you receive from an Excess Withdrawal or surrender. In <br>extreme circumstances, losses from the Market Value <br>Adjustment could be as high as 90% of your Contract Value <br>per year ($90,000 of a $100,000 investment). | Fee Table<br>Charges and <br>Adjustments<br>|
| **Are There** <br>**Transaction** <br>**Charges?**<br>| **No.** |  |

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| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | **Yes.** The table below describes the fees and expenses that <br>you may pay each year, depending on the Allocation Options <br>you choose.<br>**There is an implicit ongoing fee on the Risk Control** <br>**Accounts to the extent that the Cap limits your** <br>**participation in Index gains, which is not reflected in the** <br>**tables below.** This means your returns may be lower than <br>the Index returns; however, in exchange for accepting a Cap <br>on Index gains, you receive some protection from Index <br>losses through the Floor.<br>Please refer to your Data Page for information about the <br>specific fees you will pay each year based on the options you <br>have elected. | **Yes.** The table below describes the fees and expenses that <br>you may pay each year, depending on the Allocation Options <br>you choose.<br>**There is an implicit ongoing fee on the Risk Control** <br>**Accounts to the extent that the Cap limits your** <br>**participation in Index gains, which is not reflected in the** <br>**tables below.** This means your returns may be lower than <br>the Index returns; however, in exchange for accepting a Cap <br>on Index gains, you receive some protection from Index <br>losses through the Floor.<br>Please refer to your Data Page for information about the <br>specific fees you will pay each year based on the options you <br>have elected. | **Yes.** The table below describes the fees and expenses that <br>you may pay each year, depending on the Allocation Options <br>you choose.<br>**There is an implicit ongoing fee on the Risk Control** <br>**Accounts to the extent that the Cap limits your** <br>**participation in Index gains, which is not reflected in the** <br>**tables below.** This means your returns may be lower than <br>the Index returns; however, in exchange for accepting a Cap <br>on Index gains, you receive some protection from Index <br>losses through the Floor.<br>Please refer to your Data Page for information about the <br>specific fees you will pay each year based on the options you <br>have elected. | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | **Annual Fee** | **Min** | **Max** | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | Contract Fee<sup>(1)</sup> | 0.75% | 0.75% | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | GLWB Rider Fee<sup>(2)</sup> for Contracts issued: | GLWB Rider Fee<sup>(2)</sup> for Contracts issued: |  | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | after February 10, 2021 | 1.00% | 1.00% | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | April 26, 2020 to Feb. 10, 2021 | 0.75% | 0.75% | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | Aug. 19, 2019 to April 25, 2020 | 0.50% | 0.50% | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | (1)As a percentage of the Accumulation Credit Factor for each Risk <br>Control Account at the start of the Contract Year. We do not assess a <br>Contract Fee against Contract Value held in the Declared Rate Account.<br>(2)As a percentage of the GLWB Benefit Base. | (1)As a percentage of the Accumulation Credit Factor for each Risk <br>Control Account at the start of the Contract Year. We do not assess a <br>Contract Fee against Contract Value held in the Declared Rate Account.<br>(2)As a percentage of the GLWB Benefit Base. | (1)As a percentage of the Accumulation Credit Factor for each Risk <br>Control Account at the start of the Contract Year. We do not assess a <br>Contract Fee against Contract Value held in the Declared Rate Account.<br>(2)As a percentage of the GLWB Benefit Base. | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | Because your Contract is customizable, the choices you <br>make affect how much you will pay. To help you understand <br>the cost of owning your Contract, the following table shows <br>the lowest and highest cost you could pay each year, based <br>on current charges. **This estimate assumes that you do** <br>**not take withdrawals from the Contract, which could add** <br>**Surrender Charges and a negative Market Value** <br>**Adjustment that substantially increase costs.** Additionally, <br>for the lowest annual cost, it is assumed that all Contract <br>Value is allocated to the Declared Rate Account. For the <br>highest annual cost, it is assumed that all Contract Value is <br>allocated to the Risk Control Accounts. | Because your Contract is customizable, the choices you <br>make affect how much you will pay. To help you understand <br>the cost of owning your Contract, the following table shows <br>the lowest and highest cost you could pay each year, based <br>on current charges. **This estimate assumes that you do** <br>**not take withdrawals from the Contract, which could add** <br>**Surrender Charges and a negative Market Value** <br>**Adjustment that substantially increase costs.** Additionally, <br>for the lowest annual cost, it is assumed that all Contract <br>Value is allocated to the Declared Rate Account. For the <br>highest annual cost, it is assumed that all Contract Value is <br>allocated to the Risk Control Accounts. | Because your Contract is customizable, the choices you <br>make affect how much you will pay. To help you understand <br>the cost of owning your Contract, the following table shows <br>the lowest and highest cost you could pay each year, based <br>on current charges. **This estimate assumes that you do** <br>**not take withdrawals from the Contract, which could add** <br>**Surrender Charges and a negative Market Value** <br>**Adjustment that substantially increase costs.** Additionally, <br>for the lowest annual cost, it is assumed that all Contract <br>Value is allocated to the Declared Rate Account. For the <br>highest annual cost, it is assumed that all Contract Value is <br>allocated to the Risk Control Accounts. | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | **Lowest Annual Cost:** <br>**$913** | **Highest Annual Cost:** <br>**$1,561** | **Highest Annual Cost:** <br>**$1,561** | Fee Table<br>Charges and <br>Adjustments |
| **Are There Ongoing** <br>**Fees and** <br>**Expenses?** | Assumes:<br>•$100,000 investment<br>•5% annual appreciation<br>•No transfers or withdrawals | Assumes:<br>•$100,000 investment<br>•5% annual appreciation<br>•No transfers or <br>withdrawals | Assumes:<br>•$100,000 investment<br>•5% annual appreciation<br>•No transfers or <br>withdrawals | Fee Table<br>Charges and <br>Adjustments |

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| **RISKS** | **RISKS** | Location in <br>Prospectus<br>|
| **Is There a Risk of** <br>**Loss from Poor** <br>**Performance?**<br>| **Yes.** You can lose money by investing in the Contract, <br>including loss of principal and previously credited interest. <br>There is a risk of loss of principal and previously credited <br>interest with the Growth Account of up to 10% (with a Floor of <br>-10%) each Contract Year due to negative Index <br>performance.<br>During the life of your Contract, an Allocation Option with a <br>Floor of 0% will always be available, and we will continue to <br>make a Secure Account and Growth Account option available <br>for each Risk Control Account that is available to you. <br>**Otherwise, we may add, change, or discontinue** <br>**Allocation Options and Indices from time to time. The** <br>**remaining Allocation Options may have terms that are** <br>**unacceptable to you and may not provide any protection** <br>**from Index losses, which could result in the loss of the** <br>**entire amount of your Contract Value.**  | Principal Risks of <br>Investing in the <br>Contract<br>|
| **Is this a Short-Term** <br>**Investment?**<br>| **No.** The Contract is not a short-term investment and is not <br>appropriate if you need ready access to cash. The benefits of <br>tax deferral mean that the Contract is more beneficial if you <br>have a long time horizon.<br>Excess Withdrawals and surrenders may be subject to a <br>Surrender Charge, a Market Value Adjustment (which may be <br>positive or negative) and federal and state income taxes, and, <br>if taken before age 59½, a 10% additional tax. Excess <br>Withdrawals will also reduce the Death Benefit, GLWB <br>Benefit Base, and GLWB Payment, perhaps by significantly <br>more than the amount of the withdrawal, and could terminate <br>the Contract.<br>During the Accumulation Period, we will automatically <br>rebalance your Contract Value among the Risk Control <br>Accounts and/or Declared Rate Account on each Contract <br>Anniversary based on your most recent allocation instructions <br>that we have on file. | Principal Risks of <br>Investing in the <br>Contract<br>Charges and <br>Adjustments<br>Federal Income <br>Tax Matters<br>|

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| **What Are the Risks** <br>**Associated with the** <br>**Allocation** <br>**Options?**<br>| An investment in the Contract is subject to the risk of poor <br>investment performance and can vary depending on the <br>performance of the Allocation Options available under the <br>Contract. Each Allocation Option, including the Risk Control <br>Accounts and the Declared Rate Account, has its own unique <br>risks. You should review the Allocation Options carefully <br>before making an investment decision.<br>With respect to the Risk Control Accounts, the Cap will limit <br>positive Index returns. For example, if the Index performance <br>for a Contract Year is 12%, and the Cap is 4%, we will credit <br>4% in interest at the end of that Contract Year. You may earn <br>less than the Index performance as a result. The Floor will <br>limit negative Index performance and thereby provide limited <br>protection in the case of a market decline. For example, if the <br>Index performance is -25% and the Floor for the Growth <br>Account is -10%, we will credit -10% at the end of the <br>Contract Year. <br>Except for the Barclays Risk Balanced, each Index <br>associated with the Risk Control Accounts is a "price return <br>index," which means the Index performance does not include <br>dividends paid on the securities comprising the Index. This <br>will reduce Index performance and will cause the Index to <br>underperform a direct investment in the underlying securities. <br>The Barclays Risk Balanced Index reinvests dividends but <br>deducts certain fees. These deductions will reduce Index <br>performance, and the Index will underperform similar <br>portfolios from which these fees and costs are not deducted. | Principal Risks of <br>Investing in the <br>Contract<br>Risk Control <br>Account Option<br>Appendix A<br>|
| **What Are the Risks** <br>**Related to the** <br>**Insurance** <br>**Company?**<br>| An investment in the Contract is subject to the risks related to <br>the Company. Any obligations (including under the Declared <br>Rate Account and the Risk Control Accounts), guarantees <br>(such as the Death Benefit), or benefits are subject to the <br>Company's claims-paying ability. More information about the <br>Company, including its financial strength ratings, is available <br>upon request by calling 1-800-798-5500. | Principal Risks of <br>Investing in the <br>Contract<br>|
| **RESTRICTIONS** | **RESTRICTIONS** | Location in <br>Prospectus<br>|
| **Are There** <br>**Restrictions on the** <br>**Allocation** <br>**Options?**<br>| **Yes**, as described below there are restrictions on certain <br>features of allocations, transfers, withdrawals, and investment <br>option features. <br>The availability of Allocation Options, Contract benefits, and <br>other Contract features described in this Prospectus may <br>vary by state and depending on the broker-dealer through <br>which the Contract is sold.  | Appendix B |
|  | ***Allocations.*** We reserve the right, at our discretion, to restrict <br>allocations into the Risk Control Account if the Cap for your <br>Risk Control Account is less than the rate specified in the <br>Bailout Provision (as shown on your Contract Data Page). | Risk Control <br>Account Option-<br>Bailout Provision<br>|

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|  | ***Changes to Investment Options and Features.*** For each <br>Risk Control Account, we set a Cap for the first Contract Year, <br>which is made available at least two weeks in advance of the <br>Contract Issue Date. We may set a new Cap prior to each <br>Contract Anniversary for the subsequent Contract Year and <br>will send you written notice at least two weeks prior to the <br>Contract Anniversary. The Caps will always be a minimum of <br>1%.<br>During the life of your Contract, a Risk Control Account with a <br>Floor of 0% will always be available, and we will continue to <br>make a Secure Account and Growth Account option available <br>for each Risk Control Account that is available to you. <br>**Otherwise, we may add, change, or discontinue** <br>**Allocation Options and Indices from time to time. The** <br>**remaining Allocation Options may have terms that are** <br>**unacceptable to you and may not provide any protection** <br>**from Index losses, which could result in the loss of the** <br>**entire amount of your Contract Value.** <br>If there is a delay between the date we remove an Index for a <br>Risk Control Account and the date we add a substitute Index, <br>your Risk Control Account Value will be based on the value of <br>the Index on the date the Index ceased to be available, which <br>means market changes during the delay will not be used to <br>calculate the index interest. | Risk Control <br>Account Option<br>|
| **Are There any** <br>**Restrictions on** <br>**Contract Benefits?**<br>| **Yes.** Systematic Withdrawals may be taken on a monthly, <br>quarterly, semi-annual, or annual basis. The withdrawals <br>must be at least $100 each. There are additional limitations <br>on the amounts that you may request and the timing for <br>requesting and terminating Systematic Withdrawals. A Market <br>Value Adjustment and Surrender Charge may apply. | Benefits Available <br>under the <br>Contract<br>|
| **TAXES** | **TAXES** | Location in <br>Prospectus<br>|
| **What Are the** <br>**Contract's Tax** <br>**Implications?**<br>| You should consult with a tax professional to determine the <br>tax implications the Contract. There is no additional tax <br>benefit if you purchase the Contract through a qualified <br>retirement plan or individual retirement account (IRA). <br>Withdrawals from the Contract are subject to ordinary income <br>tax, and may be subject to a 10% additional tax if taken <br>before age 59½. | Federal Income <br>Tax Matters<br>|

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| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** | Location in <br>Prospectus<br>|
| **How Are** <br>**Investment** <br>**Professionals** <br>**Compensated?**<br>| Some investment professionals (also referred to as "financial <br>professionals" in this prospectus) may receive compensation <br>for selling the Contract to you in the form of commissions or <br>other compensation. These other forms of compensation may <br>include cash bonuses, insurance benefits and financing <br>arrangements. Non-cash benefits may include conferences, <br>seminars and trips (including travel, lodging and meals in <br>connection therewith), entertainment, merchandise and other <br>similar items. The Company may also pay asset-based <br>commissions (sometimes called trail commissions) in addition <br>to Purchase Payment-based commissions. Investment <br>professionals may also receive other payments from us for <br>services that do not directly involve the sale of the Contracts, <br>including personnel recruitment and training, production of <br>promotional literature and similar services. <br>As a result of these compensation arrangements, investment <br>professionals may have a financial incentive to offer or <br>recommend the Contract over another investment. You <br>should ask your investment professional for additional <br>information about the compensation he or she receives in <br>connection with your purchase of the Contract. | Other Information <br>– Distribution of <br>the Contract<br>|
| **Should I Exchange** <br>**My Contract?**<br>| You should only exchange your contract if you determine, <br>after comparing the features, fees, and risks of both <br>contracts, and any fees or penalties to terminate your existing <br>contract, that it is better for you to purchase the new contract <br>rather than continue to own your existing contract. Some <br>investment professionals may have a financial incentive to <br>offer you a new contract in place of the one you already own.  | Getting Started - <br>The Accumulation <br>Period - Tax Free <br>1035 Exchanges<br>|

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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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|:---|:---|:---|:---|:---|
| **Benefit** | **Purpose** | **Standard or** <br>**Optional**<br>| **Maximum** <br>**Fee**<br>| **Brief Description** <br>**of Restrictions** <br>**and Limitations**<br>|
| Guaranteed <br>Lifetime <br>Withdrawal Benefit<br>| Provides for GLWB Payments <br>to be made each year for the <br>life of the Covered Person(s)<br>| Standard | For Contracts <br>issued after <br>February 10, <br>2020...1.00%<br>| Excess <br>Withdrawals may <br>reduce the GLWB <br>Benefit Base by <br>more than the <br>amount of the <br>withdrawal. <br>|
| Death Benefit | Provides a Death Benefit if the <br>Owner dies during the <br>Accumulation Period<br>| Standard | No Charge | Excess <br>Withdrawals may <br>reduce the Death <br>Benefit by more <br>than the amount of <br>the withdrawal.<br>|
| Automatic <br>Rebalance <br>Program<br>| Returns your Contract Values to <br>the Allocation Levels on file with <br>us through a rebalancing <br>schedule. <br>| Standard | No Charge | There is a set <br>schedule of when <br>rebalancing occurs <br>at various levels of <br>the Contract.<br>|
| Systematic <br>Withdrawals<br>| Provide payments on a <br>schedule as set up by you.<br>| Optional | No Charge | Withdrawals may <br>be subject to a <br>Market Value <br>Adjustment or <br>Surrender Charge.<br>|

---

**BUYING THE CONTRACT**

The minimum Purchase Payment for a Contract is $10,000. The Company does not allow additional

Purchase Payments. A Purchase Payment for a Contract, or Purchase Payments for multiple Contracts

owned by the same individual, that equals or exceeds $2 million requires our prior approval, which may

be withheld at our sole discretion.

We offer the Contract to individuals, certain retirement plans, and other entities. To purchase a Contract,

you, the Annuitant, and the Covered Person must be at least Age 21 and no older than Age 85.

The Contract is sold through financial professionals. To start the purchase process, you must submit an

application to your financial professional. The Purchase Payment must either be paid at the Company's

Administrative Office or delivered to your financial professional. Your financial professional will then

forward your completed application and Purchase Payment (if applicable) to us. The selling firm's

determination of whether the Contract is suitable for you may delay our receipt of your application. Any

such delays will affect when we issue your Contract.

If the application for a Contract is properly completed and is accompanied by all the information

necessary to process it, including payment of the Purchase Payment, the Purchase Payment will be

allocated to the Allocation Options you choose on the next available Contract Issue Date.

After we receive a completed application, Purchase Payment, and all other information necessary to

process a purchase order in Good Order, we will begin the process of issuing the Contract on the next

Contract Issue Date available. Contract Issue Dates offered by the Company are currently the 10<sup>th</sup> and

25<sup>th</sup> of each month unless those days fall on a non-Business Day. In that case, we issue the Contract on

the next Business Day with an effective Contract Issue Date of the 10<sup>th</sup> or 25<sup>th</sup>. Please note that during the

time period between the date your Purchase Payment is delivered to us and the next available Contract

Issue Date, we will hold your Purchase Payment in our General Account and will not pay interest on it.

Thus, during that time period, your Purchase Payment will not be allocated to either the Risk Control

Account or the Declared Rate Account.

On the Contract Issue Date, your Purchase Payment and Contract Value will be allocated according to

your allocation instructions on file with us for the applicable Allocation Levels. The availability of Allocation

Options may vary by state and depending on the broker-dealer through which the Contract is sold. **See** 

**Appendix B**. If you do not indicate your allocations on the application, our Administrative Office will

attempt to contact your financial professional and/or you for clarification. We will not issue the Contract

without your allocation instructions.

**MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT**

**Partial Withdrawals**

At any time during the Accumulation Period, you may make partial withdrawals by Authorized Request.

The minimum partial withdrawal amount is $100. Any applicable Surrender Charge and Market Value

Adjustment will affect the amount available for a partial withdrawal. We will pay you the amount you

request in connection with a partial withdrawal by reducing Contract Value in the Declared Rate Account

and redeeming Accumulation Credits from the appropriate Risk Control Accounts, if applicable.

Withdrawals will be processed Pro Rata from the Contract Value in all Allocation Options.

Partial withdrawals for less than $25,000 are permitted by telephone and in writing. The written consent of

all Owners must be obtained before we will process the partial withdrawal. If an Authorized Request is

received by 4:00 P.M. Eastern Time, it will be processed that day. If an Authorized Request is received

after 4:00 P.M. Eastern Time, it will be processed on the next Business Day.

If a partial withdrawal other than a GLWB Payment would cause your Surrender Value to be less than

$2,000, we will treat your request for partial withdrawal as a request for full surrender of your Contract.

Before processing the full surrender, we will attempt to contact you or your financial professional to

provide the opportunity for you to take a lower amount to maintain a Surrender Value of at least $2,000. If

we are unable to contact you within one Business Day after receiving your request, we will process the

full surrender.

**The Contract may not be appropriate for investors who plan to take withdrawals other than GLWB** 

**Payments, or surrender the Contract. All withdrawals other than GLWB Payments are Excess** 

**Withdrawals and will proportionally reduce the Purchase Payment, which is used to determine the** 

**Death Benefit, and GLWB Benefit Base, which is used to determine the GLWB Payment, by the** 

**ratio of the withdrawal (including any Surrender Charge and Market Value Adjustment) to the** 

**Contract Value immediately prior to the withdrawal. These proportional reductions may be** 

**substantially more than the withdrawal amount, and any resulting decreases to the GLWB** 

**Payment and Death Benefit could be significant. Partial withdrawals could terminate the Contract.** 

**Additionally, the Contract Fee, GLWB Rider Fee, Surrender Charge, Market Value Adjustment, and** 

**federal income taxes and additional taxes could significantly reduce the values under the Contract** 

**and the amount you receive from any withdrawals. Only the Contract Value remaining after the** 

**withdrawal will be credited interest, positive or negative, in the future.**

**Systematic Withdrawals**

Our systematic withdrawal program is an administrative program designed for you to take reoccurring,

automatic withdrawals at the frequency you select. You can receive payments monthly, quarterly, semi-

annually, or annually, subject to the $100 minimum partial withdrawal amount and minimum Surrender

Value. Although the Contract permits systematic withdrawals (including for Required Minimum

Distributions under the Internal Revenue Code) from the Risk Control Accounts before the end of the

term, these withdrawals may have an adverse effect on your values under the Contract. If you intend to

make ongoing withdrawals, you should consult a financial professional to determine whether the Contract

is appropriate for you.

**Surrenders**

You may surrender your Contract for the Surrender Value at any time during the Accumulation Period by

Authorized Request. The consent of all Owners must be obtained before the Contract is surrendered. If

an Authorized Request is received before 4:00 P.M. Eastern Time on a Business Day, it will be processed

that day. If an Authorized Request is received at or after 4:00 P.M. Eastern Time on a Business Day or on

a non-Business Day, it will be processed on the next Business Day.

If you surrender the Contract, you will receive the Surrender Value, as of the Business Day we received

your Authorized Request. The Surrender Value is equal to your Contract Value at the end of the Valuation

Period in which we receive your Authorized Request, minus any applicable Contract Fee, GLWB Rider

Fee, and Surrender Charge, and adjusted for any applicable Market Value Adjustment.

**The Surrender Value could be significantly lower than your Contract Value due to the Market Value** 

**Adjustment, GLWB Rider Fee, and Surrender Charge. Federal income taxes may further reduce** 

**the amount you receive from a surrender, and a 10% additional tax may apply if taken before the** 

**Owner is age 59½. You should consult a tax advisor before requesting a surrender.**

Upon payment of the Surrender Value, the Contract is terminated, and we have no further obligation

under the Contract or Guaranteed Lifetime Withdrawal Benefit. We may require that the Contract be

returned to our Administrative Office prior to making payment. The Surrender Value will not be less than

the amount required by applicable state law in which the Contract was delivered. We will pay you the

amount you request in connection with a full surrender by withdrawing Contract Value in the Declared

Rate Account and redeeming Accumulation Credits from the Risk Control Accounts, if applicable.

**Annual Free Withdrawal Amount**

Your Annual Free Withdrawal Amount is equal to 10% of the Contract Value at the beginning of the

Contract Year and represents the amount that can be withdrawn without incurring a Surrender Charge or

Market Value Adjustment in a Contract Year. Any unused Annual Free Withdrawal Amount will not carry

over to any subsequent Contract Year. GLWB Payments will reduce the Annual Free Withdrawal Amount

but will not be subject to a Surrender Charge or Market Value Adjustment.

The Annual Free Withdrawal Amount is subtracted from surrenders for purposes of calculating the

Surrender Charge and Market Value Adjustment.

**Partial Withdrawal and Surrender Restrictions**

Your right to make partial withdrawals and surrender the Contract is subject to any restrictions imposed by

any applicable law or employee benefit plan.

**Right to Defer Payments**

We reserve the right to postpone payment for up to six months after we receive your Authorized Request,

subject to obtaining prior written approval by the state insurance commissioner if required by the law of

the state in which we issued the Contract. If we postpone payment, we will pay interest on the proceeds if

required by state law, calculated at the effective annual rate and for the time period required under state

law.

**ADDITIONAL INFORMATION ABOUT FEES**

**The following tables describe the fees, expenses, and adjustments that you will pay when buying,** 

**owning, and surrendering or making withdrawals from an Allocation Option or from the Contract.** 

**Please refer to your Contract Data 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 an Allocation Option or from the Contract, transfer** 

**Contract Value between Allocation Options, or request special services. State premium taxes may** 

**also be deducted.**

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| | |
|:---|:---|
| **Transaction Expenses for Contracts Issued On or After May 25, 2024** | **Charge** |
| Maximum Surrender Charge (as a percentage of Contract Value surrendered or <br>withdrawn)<sup>(1)</sup><br>| 8% |

---

(1)During the first six Contract Years, we deduct a Surrender Charge from each withdrawal or surrender that exceeds the Annual

Free Withdrawal Amount. We do not assess a Surrender Charge on withdrawals and surrenders made under the Nursing

Home or Hospital Waiver or Terminal Illness Waiver.

**The next table describes the adjustments, in addition to any transaction expenses, that apply if all** 

**or a portion of the Contract Value is removed from an Allocation Option or from the Contract on** 

**any day other than every sixth Contract Anniversary.**

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| | |
|:---|:---|
| **Adjustments** | **Charge** |
| Market Value Adjustment Maximum Potential Loss (as a percentage of Contract Value <br>withdrawn or surrendered)<sup>(1)</sup><br>| 90% |

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(1)During the Accumulation Period, if you surrender your Contract or take an Excess Withdrawal from any Allocation Option on

any day other than every sixth Contract Anniversary, we will apply a Market Value Adjustment (which may be positive or

negative) to the amount being withdrawn that is in excess of the Annual Free Withdrawal Amount. A negative Market Value

Adjustment could significantly decrease the amount you receive from a partial withdrawal or surrender.

**The next table describes the fees and expenses that you will pay *each year* during the time that** 

**you own the Contract.**

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| | |
|:---|:---|
| **Annual Contract Expenses** | **Charge** |
| Base Contract Expenses (as a percentage of the Accumulation Credit Factor for each Risk <br>Control Account at the start of each Contract Year)<sup>(1)</sup><br>| 0.75% |
| GLWB Rider Fee (as a percentage of the average daily GLWB Benefit base for the prior <br>Contract Year)<sup>(2)</sup><br>| 1.00% |

---

(1)Base Contract Expenses includes the Contract Fee. The Contract Fee is assessed against the Contract Value held in the Risk

Control Accounts. We do not assess a Contract Fee against Contract Value held in the Declared Rate Account.

(2)The GLWB Rider Fee is deducted Pro Rata from the Contract Value of each Allocation Option on each Contract Anniversary.

The GLWB Rider Fee is: for Contracts issued after February 10, 2021, 1.00%; for Contracts issued from April 26, 2020 to

February 10, 2021, 0.75%; for Contracts issued from August 19, 2019 to April 25, 2020, 0.50%.

**In addition to the fees described above, the Cap limits the amount you can earn with respect to** 

**each Risk Control Account. This means your returns may be lower than the Index returns. In** 

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

**APPENDIX: ALLOCATION OPTIONS AVAILABLE UNDER THE CONTRACT**

**Risk Control Account Options**

The following is a list of the Risk Control Account options currently available under the Contract. We may

change the features of the Risk Control Accounts listed below (including the Index and the Caps), offer

new Risk Control Accounts, and terminate existing Risk Control Accounts. We will provide you with written

notice before making any changes other than changes to the Caps. Information about current Caps is

available at https://www.trustage.com/zone-income-annuity-rates.

**Note: During the Accumulation Period, if you surrender your Contract or take a partial withdrawal** 

**on any day other than each sixth Contract Anniversary, we will apply a Market Value Adjustment** 

**(which may be positive or negative). This may result in a significant reduction in your Contract** 

**Value that could exceed any protection from Index loss that would be in place if you held the** 

**option until each sixth Contract Anniversary.**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **CONTRACTS ISSUED ON OR AFTER MAY 25, 2024** | **CONTRACTS ISSUED ON OR AFTER MAY 25, 2024** | **CONTRACTS ISSUED ON OR AFTER MAY 25, 2024** | **CONTRACTS ISSUED ON OR AFTER MAY 25, 2024** | **CONTRACTS ISSUED ON OR AFTER MAY 25, 2024** | **CONTRACTS ISSUED ON OR AFTER MAY 25, 2024** |
| **Index** | **Type of Index** | **Crediting** <br>**Period**<br>| **Account Type** | **Limit on Index** <br>**Loss (if held** <br>**until each 6th** <br>**Contract** <br>**Anniversary)**<br>| **Minimum Limit** <br>**on Index Gain** <br>**(for the Life of** <br>**the Contract)**<br>|
| S&P 500 <br>Price Return <br>Index<sup>(1)</sup> | stock market index based <br>on market capitalizations <br>of 500 leading companies <br>publicly traded in the U.S. <br>stock market | 1 year<sup>(2)</sup> | Secure Account | 0% Floor | 1% Cap |
| S&P 500 <br>Price Return <br>Index<sup>(1)</sup> | stock market index based <br>on market capitalizations <br>of 500 leading companies <br>publicly traded in the U.S. <br>stock market | 1 year<sup>(2)</sup> | Growth Account | -10% Floor | 1% Cap |
| MSCI EAFE <br>Price Return <br>Index<sup>(1)</sup> | stock market index <br>designed to measure the <br>equity market <br>performance of developed <br>markets excluding the <br>U.S. and Canada | 1 year<sup>(2)</sup> | Secure Account | 0% Floor | 1% Cap |
| MSCI EAFE <br>Price Return <br>Index<sup>(1)</sup> | stock market index <br>designed to measure the <br>equity market <br>performance of developed <br>markets excluding the <br>U.S. and Canada | 1 year<sup>(2)</sup> | Growth Account | -10% Floor | 1% Cap |
| Dimensional <br>US Small <br>Cap Value <br>Systematic <br>Index<sup>(1)</sup> | stock market index that <br>invests within the smallest <br>8% of the US market <br>down to $100 million in <br>market capitalization with <br>relative prices in the <br>lowest 40% when ranked <br>by price to book | 1 year<sup>(2)</sup> | Secure Account | 0% Floor | 1% Cap |
| Dimensional <br>US Small <br>Cap Value <br>Systematic <br>Index<sup>(1)</sup> | stock market index that <br>invests within the smallest <br>8% of the US market <br>down to $100 million in <br>market capitalization with <br>relative prices in the <br>lowest 40% when ranked <br>by price to book | 1 year<sup>(2)</sup> | Growth Account | -10% Floor | 1% Cap |
| Barclays <br>Risk <br>Balanced <br>Index<sup>(1)</sup> | allocates between <br>equities and fixed income <br>using the principles of <br>Modern Portfolio Theory, <br>which seeks to maximize <br>the expected return based <br>on a given level of market <br>risk | 1 year<sup>(2)</sup> | Secure Account | 0% Floor | 1% Cap |
| Barclays <br>Risk <br>Balanced <br>Index<sup>(1)</sup> | allocates between <br>equities and fixed income <br>using the principles of <br>Modern Portfolio Theory, <br>which seeks to maximize <br>the expected return based <br>on a given level of market <br>risk | 1 year<sup>(2)</sup> | Growth Account | -10% Floor | 1% Cap |

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(1)Except for the Barclays Risk Balanced, the performance of each Index associated with the Risk

Control Accounts does not include dividends paid on the securities comprising the Index, and

therefore, the performance of the Index does not reflect the full performance of those underlying

securities. This will reduce Index performance and will cause the Index to underperform a direct

investment in the underlying securities. The Barclays Risk Balanced Index reinvests dividends but

deducts a fee of 0.5% for the equity exposure, and 0.2% per year for the treasury exposure, and a

cost equal to SOFR plus 0.1145% for the equity component. Therefore, the aggregate fee will depend

on the Index's relative allocations to the equity and treasury components from time to time, which are

determined by the volatility control mechanism. SOFR refers to the Secured Overnight Financing

Rate, which was 3.87% as of December 31, 2025. The New York Fed publishes the SOFR on its

website each Business Day. These deductions will reduce Index performance, and the Index will

underperform similar portfolios from which these fees and costs are not deducted.

(2)We credit interest to each Risk Control Account at the end of each Contract Year during the six-year

period by comparing the change in the Index from each Contract Anniversary (the first day of the

Contract Year) to the last day of the current Contract Year. However, Excess Withdrawals and

surrenders on any day other than every sixth Contract Anniversary will be subject to the Market Value

Adjustment.

The Index Return is determined on each Contract Anniversary and is measured over the Contract Year.

Because Index interest is calculated on a single point in time you may experience negative or flat

performance even though the Index experienced gains through some, or most, of the Contract Year.

The Floors for the Secure Account and Growth Account will not change during the life of your Contract.

We set the Cap each year for the next Contract Year. In return for accepting some risk of loss to your Risk

Control Account Value allocated to the Growth Account, the Cap for the Growth Account is higher than the

Cap for the Secure Account. The Cap will always be at least 1%.

During the life of your Contract, an Allocation Option with a Floor of 0% will always be available, and we

will continue to make a Secure Account and Growth Account option available for each Risk Control

Account that is available to you. **Otherwise, we may add, change, or discontinue Allocation Options** 

**and Indices from time to time. The remaining Allocation Options may have terms that are** 

**unacceptable to you and may not provide any protection from Index losses, which could result in** 

**the loss of the entire amount of your Contract Value.** 

**Declared Rate Account**

The following is a list of Declared Rate Account Options currently available under the Contract. We may

change the features of the Declared Rate Account Options listed below, offer new Declared Rate Account

Options, and terminate existing Declared Rate Account Options. We will provide you with written notice

before doing so.

**Note: During the Accumulation Period, if you surrender your Contract or take a partial withdrawal** 

**on any day other than each sixth Contract Anniversary, we will apply a Market Value Adjustment** 

**(which may be positive or negative). This may result in a significant reduction in your Contract** 

**Value.**

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| | |
|:---|:---|
| **CONTRACTS ISSUED AFTER MAY 25, 2024** | **CONTRACTS ISSUED AFTER MAY 25, 2024** |
| **Name** | **Term** |
| Declared Rate <br>Account<br>| 6 years<br>0.15%<sup>(1)</sup> |

---

(1) The Minimum Guaranteed Interest Rate is set on the Contract Issue Date and every sixth anniversary

based on the calendar quarter in which the Issue Date or Contract Anniversary falls.

The availability of Allocation Options vary by state and depending on the broker-dealer through which the

Contract is sold.

This Initial Summary Prospectus incorporates by reference the Prospectus and Statement of Additional

Information for the Contract, both dated May 1, 2026, as supplemented. The SAI may be obtained, free of

charge, in the same manner as the Prospectus.

EDGAR Contract Identifier: C000256712