# EDGAR Filing Document

**Accession Number:** 0001562577
**File Stem:** 0001562577-26-000174
**Filing Date:** 2026-4
**Character Count:** 52793
**Document Hash:** d0018754d48e87ada9d02a9aee461deb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001562577-26-000174.hdr.sgml**: 20260414

**ACCESSION NUMBER**: 0001562577-26-000174

**CONFORMED SUBMISSION TYPE**: 497VPU

**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:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-276342
- **FILM NUMBER:** 26860032

**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   |
|:---|:---|:---|
| C000261257 | MEMBERS Horizon Variable Annuity (RILA) |  |

**MEMBERS**<sup>®</sup> **Horizon** 

**Flexible Premium Deferred Variable and Index Linked Annuity**

**MEMBERS Horizon Variable Separate Account**

**Issued by:**

**MEMBERS Life Insurance Company**

**UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS**

**DATED MAY 1, 2026**

This Updating Summary Prospectus summarizes key features of the MEMBERS® Horizon Flexible

Premium Deferred Variable and Index Linked Annuity, an individual or joint owned, flexible premium

deferred annuity contract with variable and index-linked investment options. This prospectus also

provides a summary of any Contract features that have changed.

The prospectus for the Contract 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.

Additional information about certain investment products, including index-linked and variable 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**

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| | |
|:---|:---|
| **[GLOSSARY](#i4e36a1154f834239b5b47b57695a3269)** | **[2](#i4e36a1154f834239b5b47b57695a3269)** |
| **[UPDATED INFORMATION ABOUT YOUR CONTRACT](#i400145262c4a469d9f24f923018aeda3)** | **[4](#i400145262c4a469d9f24f923018aeda3)** |
| **[KEY INFORMATION](#i38ee19832e534dd6a9d6552c7cf09376)** | **[4](#i38ee19832e534dd6a9d6552c7cf09376)** |

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

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**GLOSSARY**

**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.

**Annual Free Withdrawal Amount** – For Series B Contracts, the amount that can be withdrawn without

incurring a Surrender Charge each Contract Year. It is equal to 10% of the Contract Value determined at

the beginning of the Contract Year.

**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 transfer the Risk Control

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

Anniversary. A Market Value Adjustment will not apply to such transfer.

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

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

Fee.

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

**Contract** – The MEMBERS<sup>®</sup>Horizon Flexible Premium Deferred Variable and Index Linked Annuity, an

individual or joint owned, flexible premium deferred variable and index-linked 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 but will be effective as of that Contract

Anniversary.

**Contract Fee** – A fee assessed against Contract Value allocated to the Variable Subaccounts and the

Risk Control Accounts. The Contract Fee is shown on your Data Page. The portion of the fee assessed to

the Variable Subaccounts equals a percentage of the average daily value of the assets of the Variable

Subaccounts to which the Variable Subaccount Value is allocated. The portion of the fee assessed to the

Risk Control Accounts equals a percentage of the Accumulation Credit Factor for the Risk Control

Account at the start of a Risk Control Account Year. This fee compensates us for the expenses, expense

risk, and mortality 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.

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

Contract.

**Death Benefit** – The Contract Value 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.

**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. The Floor does not reflect deduction of the Contract

Fee.

**Fund** – Each investment portfolio or any other open-end management investment company or unit

investment trust in which a Variable Subaccount invests.

**Holding Account** – An account that holds each Purchase Payment pending investment in a Risk Control

Account. The Holding Account cannot be elected as an Investment Option. The Holding Account is part of

our General Account.

**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.

**Investment Options** – The choices available under this Contract for allocation of your Purchase

Payment(s) and Contract Value. Choices include the Risk Control Accounts ("Risk Control Account

Option") and the Variable Subaccounts ("Variable Subaccount Option").

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

a full surrender or partial withdrawal from a Risk Control Account, also referred to as the MVA.

**Owner** – The person(s) (or entity) who owns the Contract and whose death determines the Death Benefit.

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."

**Payee** – The person(s) (or entity) who receives income payments during the Payout Period while the

Annuitant is living. The Payee is the Owner, unless otherwise designated. A minor cannot be the Payee.

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

**Purchase Payment** – Payment(s) made by or on behalf of the Owner for 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 Internal Revenue Code.

**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 Anniversary** – The same day and month as a Risk Control Account Start Date for

each year of a Risk Control Account Period. If a Risk Control Account Anniversary does not fall on a

Business Day, any transactions required as of that date will be processed on the next Business Day.

**Risk Control Account Maturity Date** – The last day of a Risk Control Account Period. If a Risk Control

Account Maturity Date does not fall on a Business Day, any transactions required as of that date will be

processed on the next Business Day.

**Risk Control Account Period** – The period that begins on a Risk Control Account Start Date and ends

on a Risk Control Account Maturity Date. Each Risk Control Account Period is five years.

**Risk Control Account Start Date** – The first day of a Risk Control Account Period. It must be a date that

we offer as a Risk Control Account Start Date (as shown on your Contract Data Page). If a Risk Control

Account Start Date does not fall on a Business Day, any transactions required as of that date will be

processed on the next Business Day.

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

**Risk Control Account Year** – Any 12-month period beginning on a Risk Control Account Start Date or

Risk Control Account Anniversary and ending on the next Risk Control Account Anniversary.

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

**Separate Account** – A legally insulated investment account that is maintained separately from our

General Account. The Separate Account established for the variable portion of the Contract is registered

under the 1940 Act, while the Separate Account established for the index-linked aspect of the Contract is

not registered under the 1940 Act.

**Surrender Charge** – For Series B Contracts, the charge associated with surrendering either some or all

of the Contract Value. Surrender Charges do not apply to Series C Contracts.

**Variable Separate Account** – The Separate Account for the Variable Subaccounts.

**Variable Subaccount** – A subdivision of the Variable Separate Account, the assets of which are invested

in a corresponding Fund.

**Variable Subaccount Value** – The amount of Contract Value in a Variable Subaccount.

**UPDATED INFORMATION ABOUT YOUR CONTRACT**

Below is a summary of certain Contract features that have changed since the prospectus dated May 1,

2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

• Effective on or about May 1, 2026, the names of the below Funds will be changed.

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|:---|:---|
| **Current Fund Name** | **New Fund Name** |
| TOPS® Moderate Growth ETF Portfolio | TOPS® Moderate ETF Portfolio |
| TOPS® Growth ETF Portfolio | TOPS® Moderately Aggressive ETF Portfolio |
| TOPS® Aggressive Growth ETF Portfolio | TOPS® Aggressive ETF Portfolio |
| Vanguard VIF Capital Growth Portfolio | Vanguard VIF - PRIMECAP Portfolio |

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**KEY INFORMATION**

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|:---|:---|:---|
| **IMPORTANT INFORMATION YOU SHOULD CONSIDER** <br>**ABOUT THE MEMBERS**<sup>®</sup> **HORIZON ANNUITY** | **IMPORTANT INFORMATION YOU SHOULD CONSIDER** <br>**ABOUT THE MEMBERS**<sup>®</sup> **HORIZON ANNUITY** | **IMPORTANT INFORMATION YOU SHOULD CONSIDER** <br>**ABOUT THE MEMBERS**<sup>®</sup> **HORIZON ANNUITY** |
| **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | Location in <br>Prospectus<br>|
| **Are There** <br>**Charges or** <br>**Adjustments for** <br>**Early** <br>**Withdrawals?**<br>| **Yes.** For Series B Contracts, if you withdraw money from your <br>Contract during the five years following allocation of a <br>Purchase Payment, you may pay a Surrender Charge of up to <br>9% of the Purchase Payment withdrawn in excess of the <br>Annual Free Withdrawal Amount. For example, if you were to <br>surrender your Contract during the first Contract Year, you <br>could pay a surrender charge of up to $8,100 on a $100,000 <br>investment. This loss will be greater if there is a negative <br>Market Value Adjustment, income taxes, or an additional tax. <br>Surrender Charges do not apply to Series C Contracts.<br>For both Series B and Series C Contracts, withdrawals and <br>surrenders from Risk Control Accounts prior to the Risk <br>Control Account Maturity Date will be subject to a Market <br>Value Adjustment, which may be positive or negative. In <br>extreme circumstances, you could lose up to 100% of your <br>principal and previously credited interest if you take a <br>withdrawal or surrender your Contract, as a result of the <br>Market Value Adjustment. For example, if you allocate <br>$100,000 to a Risk Control Account and withdraw the entire <br>amount before the Risk Control Account Maturity Date, you <br>could lose all of your $100,000 investment. | Fee Table<br>Charges and <br>Adjustments<br>|

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|:---|:---|:---|
| **Are There** <br>**Transaction** <br>**Charges?**<br>| **Yes.** In addition to Surrender Charges (for Series B Contracts) <br>and a Market Value Adjustment, you may also be charged for <br>other transactions, such as transfers, wire transfers, use of <br>express mail, providing a duplicate contract, and information <br>previously provided to you that requires research on our part. | Fee Table<br>Charges and <br>Adjustments<br>|

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| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | **Yes.** The table below describes the fees and expenses that <br>you may pay each year, depending on the investment 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 the <br>Index's returns; however, in exchange for accepting a Cap on <br>Index gains, you receive some protection from Index losses <br>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 investment 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 the <br>Index's returns; however, in exchange for accepting a Cap on <br>Index gains, you receive some protection from Index losses <br>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 investment 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 the <br>Index's returns; however, in exchange for accepting a Cap on <br>Index gains, you receive some protection from Index losses <br>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** <br>**Ongoing Fees and** <br>**Expenses?** | **Series B Contracts** | **Series B Contracts** | **Series B Contracts** | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | Contract Fee<sup>(1)</sup> | 1.50% | 1.50% | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | Fund Fees and Expenses<sup>(2)</sup> | 0.13% | 3.23% | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** |  |  |  | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | **Series C Contracts** | **Series C Contracts** | **Series C Contracts** | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | Contract Fee<sup>(1)</sup> | 1.75% | 1.75% | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | Fund Fees and Expenses<sup>(2)</sup> | 0.13% | 3.23% | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | (1)As a percentage of average daily Variable Subaccount Value and as a <br>percentage of the Risk Control Account Value at the start of the Risk <br>Control Account Year, adjusted for any withdrawals. We do not assess a <br>Contract Fee against Contract Value held in the Holding Account.<br>(2)As a percentage of Fund assets.<br>Because your Contract is customizable, the choices you make <br>affect how much you will pay. To help you understand the cost <br>of owning your Contract, the following table shows the lowest <br>and highest cost you could pay each year, based on current <br>charges. **This estimate assumes that you do not take** <br>**withdrawals from the Contract, which could add** <br>**Surrender Charges (for Series B Contracts) and a** <br>**negative Market Value Adjustment that substantially** <br>**increase costs.**  | (1)As a percentage of average daily Variable Subaccount Value and as a <br>percentage of the Risk Control Account Value at the start of the Risk <br>Control Account Year, adjusted for any withdrawals. We do not assess a <br>Contract Fee against Contract Value held in the Holding Account.<br>(2)As a percentage of Fund assets.<br>Because your Contract is customizable, the choices you make <br>affect how much you will pay. To help you understand the cost <br>of owning your Contract, the following table shows the lowest <br>and highest cost you could pay each year, based on current <br>charges. **This estimate assumes that you do not take** <br>**withdrawals from the Contract, which could add** <br>**Surrender Charges (for Series B Contracts) and a** <br>**negative Market Value Adjustment that substantially** <br>**increase costs.**  | (1)As a percentage of average daily Variable Subaccount Value and as a <br>percentage of the Risk Control Account Value at the start of the Risk <br>Control Account Year, adjusted for any withdrawals. We do not assess a <br>Contract Fee against Contract Value held in the Holding Account.<br>(2)As a percentage of Fund assets.<br>Because your Contract is customizable, the choices you make <br>affect how much you will pay. To help you understand the cost <br>of owning your Contract, the following table shows the lowest <br>and highest cost you could pay each year, based on current <br>charges. **This estimate assumes that you do not take** <br>**withdrawals from the Contract, which could add** <br>**Surrender Charges (for Series B Contracts) and a** <br>**negative Market Value Adjustment that substantially** <br>**increase costs.**  | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | **Lowest Annual Cost** <br>**Series B Contracts: $1,364**<br>**Series C Contracts: $1,572** | **Highest Annual Cost**<br>**Series B Contracts: $3,698**<br>**Series C Contracts: $3,849** | **Highest Annual Cost**<br>**Series B Contracts: $3,698**<br>**Series C Contracts: $3,849** | Fee Table<br>Charges and <br>Adjustments |
| **Are There** <br>**Ongoing Fees and** <br>**Expenses?** | Assumes:<br>•$100,000 investment<br>•5% annual appreciation<br>•Least expensive <br>combination of Fund fees <br>and expenses<br>•No additional purchase <br>payments, transfers or <br>withdrawals | Assumes:<br>•$100,000 investment<br>•5% annual appreciation<br>•Most expensive <br>combination of Fund fees <br>and expenses<br>•No additional purchase <br>payments, transfers or <br>withdrawals | Assumes:<br>•$100,000 investment<br>•5% annual appreciation<br>•Most expensive <br>combination of Fund fees <br>and expenses<br>•No additional purchase <br>payments, 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. You <br>bear the entire investment risk of any amounts you allocate to <br>the Variable Subaccounts. There is a risk of loss of principal <br>and previously credited interest with the Growth Account of up <br>to 10% (with a Floor of -10%) each Risk Control Account Year <br>due to negative Index performance. <br>During the life of your Contract, an Allocation Option with a <br>Floor of 0% will always be available. **Otherwise, we may add,** <br>**change, or discontinue Allocation Options, including** <br>**Indices and Funds underlying the Variable Subaccounts** <br>**from time to time as described in this Prospectus. The** <br>**remaining Allocation Options may have terms that are** <br>**unacceptable to you and may not provide any protection** <br>**from losses, which could result in the loss of the entire** <br>**amount of your Contract Value.**  | Principal Risks of <br>Investing in the <br>Contract<br>|
| **Is this a Short-**<br>**Term 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>Withdrawals and surrenders may be subject to a Surrender <br>Charge (for Series B Contracts), a Market Value Adjustment <br>(which may be positive or negative) and federal and state <br>income taxes, and, if taken before age 59½, a 10% additional <br>tax.<br>During the Accumulation Period, we will automatically <br>rebalance your Contract Value among the Risk Control <br>Accounts and/or Variable Subaccounts at the end of specific <br>periods based on your most recent allocation instructions that <br>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** <br>**Risks Associated** <br>**with the** <br>**Investment** <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 Investment Options available under the <br>Contract. Each Investment Option, including the Holding <br>Account, the Risk Control Accounts, and the Variable <br>Subaccounts, has its own unique risks. You should review the <br>Investment Options carefully before making an investment <br>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 Risk Control Account Year is 12%, and the Cap is 4%, we <br>will credit 4% in interest at the end of that Risk Control <br>Account Year. You may earn less than the Index performance <br>as a result. The Floor will limit negative Index performance <br>and thereby provide limited protection in the case of a market <br>decline. For example, if the Index performance is -25% and <br>the Floor for the Growth Account is -10%, we will credit -10% <br>at the end of the Risk Control Account Year.<br>Each Index is a "price return index." Therefore, performance <br>of the relevant Index does not reflect dividends paid on the <br>securities comprising the Index. This will reduce Index <br>performance and will cause the Index to underperform a direct <br>investment in the underlying securities.  | Principal Risks of <br>Investing in the <br>Contract<br>Variable <br>Subaccount <br>Option<br>Risk Control <br>Account Option<br>Appendix A<br>|
| **What Are the** <br>**Risks Related to** <br>**the Insurance** <br>**Company?**<br>| An investment in the Contract is subject to the risks related to <br>the Company. Any obligations (including under the Holding <br>Account and the Risk Control Accounts), guarantees (such as <br>the Death Benefit), or benefits are subject to the Company's <br>claims-paying ability. More information about the Company, <br>including its financial strength ratings, is available upon <br>request by calling 1-800-798-5500. | Principal Risks of <br>Investing in the <br>Contract<br>|

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| **RESTRICTIONS** | **RESTRICTIONS** | Location in <br>Prospectus<br>|
| **Are There** <br>**Restrictions on** <br>**the Investment** <br>**Options?**<br>| **Yes**, as described below there are restrictions on certain <br>features of Purchase Payments, allocations, transfers, <br>withdrawals, and investment option features.<br>The availability of Variable Subaccounts, Risk Control <br>Accounts, Contract benefits, and other Contract features <br>described in this Prospectus may vary by state and depending <br>on the broker-dealer through which the Contract is sold.  | Appendix A<br>Appendix B<br>|
|  | ***Purchase Payments and Allocations.*** We may refuse or <br>limit the amount and frequency of additional Purchase <br>Payments and the amount and frequency of allocations to the <br>Risk Control Accounts.<br>The Risk Control Account investment options are not available <br>within five years of the Payout Date.<br>Subaccounts that invest in certain Funds may no longer be <br>available for new investments, as identified in Appendix A.  | Allocating Your <br>Purchase <br>Payments<br>Risk Control <br>Account Option<br>Appendix A<br>|
|  | ***Allocations, Transfers, and Withdrawals.*** Only one Risk <br>Control Account Period can be in force at any time. Once you <br>have established a Risk Control Account, you may not allocate <br>your subsequent Purchase Payments or make transfers to a <br>new Risk Control Account until the existing Risk Control <br>Account matures at the end of five years. You may not allocate <br>subsequent Purchase Payments to existing Risk Control <br>Accounts (other than during 30 days prior to the Risk Control <br>Account Maturity Date).<br>Contract Value in the Holding Account cannot be transferred to <br>the Variable Subaccounts. Contract Value in the Risk Control <br>Accounts can only be transferred to the Variable Subaccount <br>options on the Risk Control Account Maturity Date.<br>Partial withdrawals from the Risk Control Accounts are not <br>permitted while there is Variable Subaccount Value, except for <br>withdrawals from the Risk Control Accounts on the Risk <br>Control Account Maturity Date (the end of each five-year Risk <br>Control Account Period).<br>We reserve the right, at our discretion, to restrict transfers into <br>the Risk Control Account if the Cap for your Risk Control <br>Account is less than the rate specified in the Bailout Provision <br>(as shown on your Contract Data Page). | Allocating Your <br>Purchase <br>Payments<br>Risk Control <br>Account Option<br>|

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|  | ***Changes to Investment Options and Features.*** For each <br>Risk Control Account, we set a Cap for the first Risk Control <br>Account Year, which is made available at least two weeks in <br>advance of the Risk Control Account Start Date. We may set a <br>new Cap prior to each Risk Control Account Anniversary for <br>the subsequent Risk Control Account Year and will send you <br>written notice at least two weeks prior to the Risk Control <br>Account Anniversary. The Caps will always be a minimum of <br>1%.<br>During the life of your Contract, an Allocation Option with a <br>Floor of 0% will always be available. **Otherwise, we may add,** <br>**change, or discontinue Allocation Options, including** <br>**Indices and Funds underlying the Variable Subaccounts** <br>**from time to time as described in this Prospectus. The** <br>**remaining Allocation Options may have terms that are** <br>**unacceptable to you and may not provide any protection** <br>**from losses, which could result in the loss of the entire** <br>**amount of your Contract Value.** <br>If there is a delay between the date we remove the 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>Variable <br>Subaccount <br>Option<br>|
| **Are There any** <br>**Restrictions on** <br>**Contract** <br>**Benefits?**<br>| **Yes.** Express Portfolios are only available at the time of <br>purchase, and you must allocate all of your Purchase <br>Payment to your selected Express Portfolio.<br>Systematic Withdrawals may be taken on a monthly, quarterly, <br>semi-annual, or annual basis. The withdrawals must be at <br>least $100 each. Unless taken to satisfy required minimum <br>distributions, a Market Value Adjustment may be applied to <br>Systematic Withdrawals taken from a Risk Control Account. If <br>the Systematic Withdrawal exceeds the 10% Annual Free <br>Withdrawal Amount, a Surrender Charge (for Series B <br>Contracts) may also apply. | Benefits Available <br>under the 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 tax <br>implications the Contract. There is no additional tax benefit if <br>you purchase the Contract through a qualified retirement plan <br>or individual retirement account (IRA). Withdrawals from the <br>Contract are subject to ordinary income tax, and may be <br>subject to a 10% additional tax if taken before age 59½. | Federal Income <br>Tax Matters<br>|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** | Location in <br>Prospectus<br>|

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| | | |
|:---|:---|:---|
| **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 should <br>ask your investment professional for additional information <br>about the compensation he or she receives in connection with <br>your purchase of the Contract. | Other Information <br>– Distribution of <br>the Contract<br>|
| **Should I** <br>**Exchange My** <br>**Contract?**<br>| You should only exchange your contract if you determine, after <br>comparing the features, fees, and risks of both contracts, and <br>any fees or penalties to terminate your existing contract, that it <br>is better for you to purchase the new contract rather than <br>continue to own your existing contract. Some investment <br>professionals may have a financial incentive to offer you a <br>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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**APPENDIX: ALLOCATION OPTIONS AVAILABLE UNDER THE CONTRACT**

**Variable Subaccounts**

The following is a list of the Funds available under the Contract. More information about the Funds is available

in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://

www.trustage.com/regulatory-documents. You can also request this information at no cost by calling

1-800-798-5500 or by sending an email request to AnnuityAndPRTManagersMail@trustage.com.

The current expenses and performance information below reflects fees and expenses of the Funds, but do not

reflect the other fees and expenses that your Contract may charge. Expenses would be higher and

performance would be lower if these other charges were included. Each Fund's past performance is not

necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and Adviser/Subadviser** | **Current** <br>**Expenses** | **Average Annual Total** <br>**Returns**<br>(as of 12/31/25) | **Average Annual Total** <br>**Returns**<br>(as of 12/31/25) | **Average Annual Total** <br>**Returns**<br>(as of 12/31/25) |
| **Investment Objective** | **Fund and Adviser/Subadviser** | **Current** <br>**Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Total return through growth <br>of capital and current <br>income<br>| **Invesco V.I. Global Real Estate** <br>**Fund (Series I)**<sup>(4)</sup><br>Invesco Advisers, Inc. <br>*(Adviser)*<br>Invesco Asset Management Ltd. <br>*(Subadviser)*<br>| 1.02% | 7.85% | 1.73% | 2.44% |
| Long-term growth of capital | **Invesco V.I. Small Cap Equity** <br>**Fund (Series I)**<br>Invesco Advisers, Inc.<br>*(Adviser)*<br>| 0.96% | 8.05% | 7.32% | 9.55% |
| Capital appreciation  | **Invesco V.I. International** <br>**Growth Fund (Series I)** (f/k/a <br>INVESCO Oppenheimer V.I. <br>International Growth Fund)<br>Invesco Advisers, Inc.<br>*(Adviser)*<br>| 1.18% | 16.32% | 2.15% | 5.64% |
| High total return (including <br>income and capital gains) <br>consistent with <br>preservation of capital over <br>the long-term<br>| **American Funds IS Asset** <br>**Allocation Fund (Class 1)**<br>Capital Research and <br>Management Company<br>*(Adviser)*<br>| 0.29% | 16.16% | 9.24% | 10.05% |
| Provide as high a level of <br>current income as is <br>consistent with the <br>preservation of capital<br>| **American Funds IS The Bond** <br>**Fund of America (Class 1)**<br>Capital Research and <br>Management Company<br>*(Adviser)*<br>| 0.38% | 7.40% | 0.10% | 2.61% |
| Growth of capital | **American Funds IS Growth** <br>**Fund (Class 1)**<br>Capital Research and <br>Management Company<br>*(Adviser)*<br>| 0.28% | 20.54% | 13.66% | 18.26% |
| High level of current <br>income; capital <br>appreciation is the <br>secondary objective<br>| **American Funds IS American** <br>**High-Income Trust (Class 1)**<br>Capital Research and <br>Management Company<br>*(Adviser)*<br>| 0.45% | 8.52% | 5.87% | 7.22% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Long-term growth of capital | **American Funds IS International** <br>**Fund (Class 1)**<br>Capital Research and <br>Management Company<br>*(Adviser)*<br>| 0.53% | 27.04% | 3.66% | 7.26% |
| High total investment return | **BlackRock Global Allocation** <br>**V.I. Fund (Class I)**<br>BlackRock Advisors, LLC<br>*(Adviser)*<br>BlackRock International Limited<br>BlackRock (Singapore) Limited<br>*(Sub-Adviser)*<br>| 0.85% | 19.80% | 5.79% | 7.59% |
| High total return through <br>current income and, <br>secondarily, through capital <br>appreciation<br>| **Columbia VP Emerging Markets** <br>**Bond Fund (Class 1)**<br>Columbia Management <br>Investment Advisers, LLC<br>*(Adviser)*<br>| 0.76% | 12.78% | 1.70% | 4.28% |
| To achieve long-term <br>capital appreciation<br>| **Dimensional VA International** <br>**Small Portfolio**<br>Dimensional Fund Advisors Ltd. <br>*(Sub-Adviser)*<br>*DFA Australia Limited* <br>*(Sub-Adviser)*<br>| 0.39% | 36.99% | 8.89% | 8.68% |
| To achieve long-term <br>capital appreciation<br>| **Dimensional VA International** <br>**Value Portfolio**<br>Dimensional Fund Advisors Ltd.<br>*(Adviser)*<br>Dimensional Fund Advisors Ltd. <br>*(Sub-Adviser)*<br>*DFA Australia Limited* <br>*(Sub-Adviser)*<br>| 0.27% | 45.64% | 15.85% | 10.46% |
| To achieve long-term <br>capital appreciation<br>| **Dimensional VA U.S. Large** <br>**Value Portfolio**<br>Dimensional Fund Advisors LP<br>*(Adviser)*<br>| 0.21% | 15.83% | 11.97% | 10.51% |
| To achieve long-term <br>capital appreciation<br>| **Dimensional VA U.S. Targeted** <br>**Value Portfolio**<br>Dimensional Fund Advisors LP<br>*(Adviser)*<br>| 0.29% | 8.95% | 13.60% | 11.00% |
| Long-term capital growth  | **Templeton Foreign VIP Fund** <br>**(Class 1)**<br>Templeton Investment Counsel, <br>LLC<br>*(Adviser)*<br>| 0.84% | 29.51% | 8.52% | 6.01% |
| High current income, <br>consistent with <br>preservation of capital; <br>capital appreciation is a <br>secondary objective<br>| **Templeton Global Bond VIP** <br>**Fund (Class 1)**<sup>(4)</sup><br>Franklin Advisors, Inc.<br>*(Adviser)*<br>| 0.53% | 16.09% | -0.69% | 0.11% |
| Seeks a total return <br>consisting of capital <br>appreciation and income<br>| **Goldman Sachs VIT Core Fixed** <br>**Income Trust (Institutional)**<br>Goldman Sachs Asset <br>Management, L.P.<br>*(Adviser)*<br>| 0.60% | 7.46% | -0.57% | 2.11% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Long-term capital <br>appreciation<br>| **Lazard Retirement Emerging** <br>**Markets Equity Portfolio** <br>**(Investor)**<sup>(3)</sup><br>Lazard Asset Management LLC<br>*(Adviser)*<br>| 1.14% | 42.12% | 11.04% | 9.63% |
| Total return with emphasis <br>on current income, but also <br>considering capital <br>appreciation<br>| **MFS Total Return Bond Series** <br>**(Initial Class)**<br>Massachusetts Financial Services <br>Company<br>*(Adviser)*<br>| 0.54% | 7.17% | 0.15% | 2.63% |
| Total return  | **MFS Utilities Series** <br>**(Initial Class)**<br>Massachusetts Financial Services <br>Company<br>*(Adviser)*<br>| 0.79% | 15.01% | 7.64% | 9.49% |
| Capital appreciation  | **MFS Value Series (Initial Class)**<br>Massachusetts Financial Services <br>Company<br>*(Adviser)*<br>| 0.72% | 13.01% | 9.95% | 10.05% |
| Capital appreciation  | **MFS Blended Research Small** <br>**Cap Equity Portfolio** <br>**(Initial Class)**<br>Massachusetts Financial Services <br>Company<br>*(Adviser)*<br>| 0.59% | 5.76% | 6.92% | 9.10% |
| Long-term capital <br>appreciation by investing <br>primarily in growth-oriented <br>equity securities of large <br>capitalization companies<br>| **Morgan Stanley Variable** <br>**Insurance Fund, Inc. Growth** <br>**Portfolio (Class I)**<br>Morgan Stanley Investment <br>Management Inc.<br>*(Adviser)*<br>| 0.57% | 35.72% | 3.41% | 17.76% |
| Capital appreciation  | **TOPS Aggressive ETF Portfolio** <br>**(Class 1)**<sup>(1)</sup>(f/k/a TOPS Aggressive <br>Growth ETF Portfolio)<br>ValMark Advisers, Inc.<br>*(Adviser)*<br>| 0.29% | 19.17% | 9.69% | 10.71% |
| Income and capital <br>appreciation<br>| **TOPS Balanced ETF Portfolio** <br>**(Class 1)**<sup>(1)</sup><br>ValMark Advisers, Inc.<br>*(Adviser)*<br>| 0.29% | 13.17% | 5.79% | 6.66% |
| Preserve capital and <br>provide moderate income <br>and moderate capital <br>appreciation<br>| **TOPS Conservative ETF** <br>**Portfolio (Class 1)**<sup>(1)</sup><br>ValMark Advisers, Inc.<br>*(Adviser)*<br>| 0.31% | 10.39% | 4.61% | 5.25% |
| Capital appreciation | **TOPS Moderately Aggressive** <br>**ETF Portfolio (Class 1)**<sup>(1)</sup>(f/k/a <br>TOPS Growth ETF Portfolio)<br>ValMark Advisers, Inc.<br>*(Adviser)*<br>| 0.29% | 18.31% | 8.85% | 9.80% |
| Capital appreciation | **TOPS Moderate ETF Portfolio** <br>**(Class 1)**<sup>(1)</sup>(f/k/a TOPS Moderate <br>Growth ETF Portfolio)<br>ValMark Advisers, Inc.<br>*(Adviser)*<br>| 0.29% | 15.50% | 7.20% | 8.26% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Maximum real return, <br>consistent with prudent <br>investment management <br>| **PIMCO Commodity Real Return** <br>**Strategy Portfolio** <br>**(Institutional Class)**<br>Pacific Investment Management <br>Company LLC<br>*(Adviser)*<br>| 3.23% | 19.07% | 10.72% | 6.70% |
| Maximum real return, <br>consistent with <br>preservation of real capital <br>and prudent investment <br>management<br>| **PIMCO VIT All Asset Portfolio** <br>**(Institutional Class)**<br>Pacific Investment Management <br>Company LLC<br>*(Adviser)*<br>| 2.07% | 14.34% | 5.77% | 6.93% |
| Maximum real return, <br>consistent with <br>preservation of real capital <br>and prudent investment <br>management<br>| **PIMCO VIT Real Return** <br>**Portfolio (Institutional Class)**<br>Pacific Investment Management <br>Company LLC<br>*(Adviser)*<br>| 1.24% | 8.01% | 1.36% | 3.37% |
| Seeks high current income. <br>Capital growth is a <br>secondary goal when <br>consistent with achieving <br>high current income<br>| **Putnam VT High Yield Fund (IA)**<br>Franklin Advisers, Inc.*(Adviser)* <br>Putnam Investment Management, <br>LLC and Franklin Templeton <br>Investment Management limited <br>*(Sub-advisers)*<br>| 0.73% | 8.86% | 4.28% | 5.94% |
| Long-term capital growth; <br>income is a secondary <br>objective<br>| **T. Rowe Price Blue Chip** <br>**Growth Portfolio (Class I)**<br>T. Rowe Price Associates<br>*(Adviser)*<br>| 0.74% | 18.74% | 11.68% | 15.54% |
| Long-term capital <br>appreciation, using a <br>fundamental approach to <br>invest in growth-oriented <br>companies at attractive <br>valuation level<br>| **Vanguard VIF - PRIMECAP** <br>**Portfolio** (f/k/a Vanguard VIF Capital <br>Growth Portfolio)<br>PRIMECAP Management <br>Company *(Adviser)*<br>| 0.34% | 28.98% | 13.97% | 14.96% |
| Long-term capital <br>appreciation and income <br>growth, with reasonable <br>current income<br>| **Vanguard VIF Diversified Value** <br>**Portfolio**<br>Hotchkis and Wiley Capital <br>Management, LLC and Lazard <br>Asset Management LLC <br>*(Subadvisers)*<br>| 0.28% | 16.83% | 13.24% | 11.76% |
| Seeks to track the <br>investment performance of <br>the Standard & Poor's 500 <br>Index, an unmanaged <br>benchmark representing <br>U.S. large-capitalization <br>stocks<br>| **Vanguard VIF Equity Index** <br>**Portfolio**<br>The Vanguard Group, Inc.<br>*(Adviser)*<br>| 0.14% | 17.70% | 14.27% | 14.66% |
| High and sustainable level <br>of current income by <br>investing primarily in <br>below-investment-grade <br>corporate securities <br>offering attractive yields<br>| **Vanguard VIF High Yield Bond** <br>**Portfolio**<br>The Vanguard Group, Inc. <br>*(Adviser)*<br>Wellington Management <br>Company LLP *(Subadviser)*<br>| 0.24% | 9.18% | 4.05% | 5.62% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Long-term capital <br>appreciation through <br>broadly diversified <br>exposure to the major <br>equity markets outside the <br>United States<br>| **Vanguard VIF International** <br>**Portfolio**<br>Baillie Gifford Overseas, Ltd and <br>Schroder Investment Mgt North <br>America Inc *(Subadvisers)*<br>| 0.32% | 19.97% | 0.62% | 10.48% |
| Seeks to track the <br>investment performance of <br>the CRSP US Mid Cap <br>Index, an unmanaged <br>benchmark representing <br>medium-size U.S. firms<br>| **Vanguard VIF Mid-Cap Index** <br>**Portfolio**<br>The Vanguard Group, Inc.<br>*(Adviser)*<br>| 0.17% | 11.54% | 8.46% | 10.77% |
| Seeks to provide current <br>income, while maintaining <br>a stable $1 NAV and a very <br>short maturity<br>| **Vanguard VIF Money Market** <br>**Portfolio**<br>**The Vanguard**<sup>®</sup> **Group, Inc.**<br>***(Adviser)***<br>| 0.15% | 4.18% | 3.17% | 2.20% |
| Seeks to track the <br>investment performance of <br>the MSCI US REIT Index, <br>which covers <br>approximately two-thirds of <br>the U.S. real estate <br>investment trust (REIT) <br>market<br>| **Vanguard VIF Real Estate Index** <br>**Portfolio**<br>The Vanguard Group, Inc.<br>*(Adviser)*<br>| 0.26% | 3.11% | 4.51% | 5.08% |
| Long-term capital <br>appreciation by investing in <br>a broad universe of small-<br>company growth stocks<br>| **Vanguard VIF Small Company** <br>**Growth Portfolio**<sup>(2)</sup><br>The Vanguard Group, Inc.<br>*(Adviser)*<br>ArrowMark Partners *(Subadviser)*<br>| 0.29% | 6.11% | 3.81% | 9.61% |
| Seeks to track the <br>investment performance of <br>the Bloomberg Barclays <br>U.S. Aggregate Float <br>Adjusted Bond Index, an <br>unmanaged benchmark <br>representing the broad <br>U.S. bond market<br>| **Vanguard VIF Total Bond** <br>**Market Index Portfolio**<br>The Vanguard Group, Inc.<br>*(Adviser)* <br>| 0.14% | 6.94% | -0.51% | 1.90% |
| Seeks to track the <br>investment performance of <br>the Standard and Poor's <br>Total Market Index, an <br>unmanaged benchmark <br>representing the overall <br>U.S. equity market<br>| **Vanguard VIF Total Stock** <br>**Market Index Portfolio**<br>The Vanguard Group, Inc.<br>*(Adviser)*<br>| 0.13% | 16.93% | 12.98% | 14.10% |

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<sup>(1)</sup> The Fund operates as a fund of funds.

<sup>(2)</sup> The Vanguard Group, Inc. has requested that the Company no longer make the Vanguard VIF Small Company Growth

Portfolio available for new investments. Existing contract owners with allocation to the Vanguard VIF Small Company Growth

Portfolio can continue to invest in the portfolio.

<sup>(3)</sup> These Funds and their investment advisers have entered into contractual fee waivers or expense reimbursement

arrangements. The temporary fee reductions are reflected in their annual expenses. Those contractual arrangements are

designed to reduce total annual Fund operating expenses for Contract Owners and will continue past the current year.

<sup>(4)</sup> Effective May 1, 2022, these Funds are no longer available for new investments. Existing contract owners with allocation to

these Funds can continue to invest in the portfolios.

**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/horizon-annuity-rates.

**Note: Each Risk Control Account Period is five years, and each Risk Control Account Maturity Date is** 

**the last day of the five-year Risk Control Account Period. During the Accumulation Period, if you** 

**surrender your Contract or take a partial withdrawal on any day other than its Risk Control Account** 

**Maturity Date, 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 the Risk Control Account Maturity Date.**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Index** | **Type of Index** | **Crediting** <br>**Period**<br>| **Account Type** | **Limit on Index** <br>**Loss (if held until** <br>**the Risk Control** <br>**Account Maturity** <br>**Date)**<br>| **Minimum Limit on** <br>**Index Gain (for the** <br>**Life of the** <br>**Contract)**<br>|
| S&P 500 <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>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>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>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 |

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(1)Each Index is a "price return index" and not a "total return index." Performance of the relevant Index

does not reflect dividends paid on the securities comprising the Index, and therefore calculation of

Index performance under the Contract does not reflect the full Investment performance of the

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

investment in the securities comprising the Index.

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

the five-year Risk Control Account Period by comparing the change in the Index from each Risk Control

Account Anniversary (the first day of the Risk Control Account Year) to the last day of the current Risk

Control Account Year. Rebalancing among Risk Control Accounts occurs on each Risk Control Account

Maturity Date (the last day of each five-year Risk Control Account Period). No additional values can be

transferred, and no additional Purchase Payments can be allocated, to a Risk Control Account until the

Risk Control Account Maturity Date. Moreover, withdrawals and surrenders from a Risk Control

Account on any day other than its Risk Control Account Maturity Date will be subject to the Market

Value Adjustment.

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

the life of your Contract, an Allocation Option with a Floor of 0% will always be available. **Otherwise, we may** 

**add, change, or discontinue Allocation Options, including Indices and Funds underlying the Variable** 

**Subaccounts from time to time as described in this Prospectus. The remaining Allocation Options may** 

**have terms that are unacceptable to you and may not provide any protection from losses, which could** 

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

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%.

The availability of Variable Subaccounts and Risk Control Accounts may vary by state and depending on the

broker-dealer through which the Contract is sold.

This Updating 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 Identifiers: C000163893 (VA) and C000261257 (RILA)