# EDGAR Filing Document

**Accession Number:** 0001817186
**File Stem:** 0001104659-25-057773
**Filing Date:** 2025-6
**Character Count:** 239770
**Document Hash:** a601ff6c60c49f3fec0cfada40ec254c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-057773.hdr.sgml**: 20250609

**ACCESSION NUMBER**: 0001104659-25-057773

**CONFORMED SUBMISSION TYPE**: 485APOS

**PUBLIC DOCUMENT COUNT**: 4

**FILED AS OF DATE**: 20250609

**DATE AS OF CHANGE**: 20250609

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PLICO Variable Annuity Account S
- **CENTRAL INDEX KEY:** 0001817186

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** TN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485APOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-23593
- **FILM NUMBER:** 251033774

**BUSINESS ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223
- **BUSINESS PHONE:** 2052682988

**MAIL ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PLICO Variable Annuity Account S
- **CENTRAL INDEX KEY:** 0001817186

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** TN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485APOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-240192
- **FILM NUMBER:** 251033773

**BUSINESS ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223
- **BUSINESS PHONE:** 2052682988

**MAIL ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223

## Series and Classes Contracts Data

### PLICO Variable Annuity Account S (Series ID: S000069680)

| Class ID   | Class Name                      | Ticker Symbol   |
|:---|:---|:---|
| C000222312 | Schwab Genesis Variable Annuity |  |

**As filed with the Securities and Exchange Commission on June 9, 2025**

**File No. 333-240192<br> File No. 811-23593**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM N-4**

**REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ☒**

**PRE-EFFECTIVE AMENDMENT NO. ☐**

 **POST-EFFECTIVE AMENDMENT NO. 6 ☒**

**and/or<br> REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF <br> 1940 ☒**

 **AMENDMENT NO. 15 ☒**

**PLICO Variable Annuity**

**Account S**

(Exact Name of Registered Separate Account)

**Protective Life Insurance Company**

(Name of Insurance Company)

**2801 Highway 280 South**

**Birmingham, Alabama 35223**

(Address of Insurance Company's Principal Executive Offices)

**(205) 268-1000**

(Insurance Company's Telephone Number, including Area Code)

**BRANDON J. CAGE, Esquire**

**Protective Life Insurance Company**

**2801 Highway 280 South**

**Birmingham, Alabama, 35223**

(Name and Address of Agent for Services)

Copy to:

**STEPHEN E. ROTH, Esquire**

**THOMAS E. BISSET, Esquire**

**Eversheds Sutherland (US) LLP**

**700 Sixth Street, NW, Suite 700**

**Washington, D.C. 20001-3980**

**It is proposed that this filing will become effective (check appropriate box):**

☐ Immediately upon filing pursuant to paragraph (b)

☐ on pursuant to paragraph (b)

☐ 60 days after filing pursuant to paragraph (a)(1)

☒ on **<u>August 11, 2025</u>** pursuant to paragraph (a)(1) of Rule 485 under the Securities Act of 1933 ("Securities Act")

If appropriate, check the following box:

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

**Check each box that appropriately characterizes the Registrant:**

☐ New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act registration or amendment thereto within 3 years preceding this filing)

☐ Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 ("Exchange Act"))

☐ If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act

☒ Insurance Company relying on Rule 12h-7 under the Exchange Act

☐ Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act)

**Title of Securities Being Registered: Interests in a separate<br> account issued through variable annuity contracts.**

**Supplement dated August 11, 2025, to the Prospectus dated April 29, 2025, for**

**Schwab Genesis Variable Annuity contracts**

**Issued by Protective Life Insurance Company**

**PLICO Variable Annuity Account S**

*This Supplement amends certain information in your variable annuity contract prospectus. Please read this Supplement carefully and keep it with your prospectus for future reference. You may obtain a current prospectus by visiting www.protective.com/productprospectus or by calling 1-800-456-6330.*

 

*The purpose of this Supplement is to modify the Mortality and Expense Risk Charge and Administration Charge for new Contracts issued on or after August 11, 2025.*

**The Annual Fee table in the IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT - FEES, EXPENSES, AND ADJUSTMENTS section of the prospectus is removed and replaced with the following:**

---

| | | |
|:---|:---|:---|
| **Annual Fee** | **Minimum** | **Maximum** |
| Base Contract <sup>(1)</sup> | 0.35% | 0.45% |
| Investment options (Fund fees and expenses) <sup>(2)</sup> | 0.03% | 2.86% |
| Optional benefits available for an additional charge |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return of Purchase Payments Death Benefit Fee <sup>(3)</sup> | 0.20% | 0.20% |
| &nbsp;&nbsp;&nbsp;SecurePay Life rider <sup>(4)</sup> |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At Contract Purchase | See Rate Sheet Prospectus Supplement | 2.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Later under RightTime Option | See Rate Sheet Prospectus Supplement | 2.20% |

---

*<sup>(1)</sup>* *We calculate the Base Contract fee by dividing the total amount we receive from the annual mortality and expense risk charge and the administration charge for the last fiscal year by the total average net assets attributable to the Contracts for that year. For Contracts issued on or after August 11, 2025, the administrative charge is 0.15% of Variable Account value and the mortality and expense risk charge applied, as a percentage of Variable Account value, may vary (decrease, increase, or stay the same) based on your Contract Value on the Contract Issue Date and on each Contract Quarterly Anniversary. The mortality and expense risk charge is 0.30% for Contract Value of $5,000 to $499,999, 0.25% for Contract Value of $500,000 to $999,999, or 0.20% for Contract Value of $1,000,000 or greater. For Contracts issued before August 11, 2025, or in California, the administration Charge is 0.10% and the mortality and expense risk charge is 0.35% of Variable Account value.*

*<sup>(2)</sup>* As a percentage of Fund assets.

*<sup>(3)</sup>* As an annualized percentage of the death benefit value on each Monthly Anniversary Date, beginning on the 1st Monthly Anniversary Date.

*<sup>(4)</sup>* As an annualized percentage of the Benefit Base on each Monthly Anniversary Date, beginning on the 1st Monthly Anniversary Date following election of the rider.

**The Base Contract Expenses and corresponding footnote in the ANNUAL CONTRACT EXPENSES – FEE TABLE is deleted and replaced with the following:**

 

---

| | |
|:---|:---|
| Base Contract Expenses (as a percentage of average Variable Account value)<sup>(1)</sup> | 0.45% |

---

 

*<sup>(1)</sup>* *Base Contract Expenses include an administration charge and a mortality and expense risk charge. For Contracts issued on or after August 11, 2025, the administration charge is 0.15% (on an annual basis) of average daily net assets of the Variable Account. The mortality and expense charge may vary (decrease, increase, or stay the same) based on your Contract Value on the Contract Issue Date and on each Contract Quarterly Anniversary. The mortality and expense risk charge is 0.30% for Contract Value of $5,000 to $499,999, 0.25% for Contract Value of $500,000 to $999,999, or 0.20% for Contract Value of $1,000,000 or greater. For Contracts issued before August 11, 2025, or in California, the administration charge is 0.10% (on an annual basis) and the mortality and expense charge is 0.35% (on an annual basis) of average daily net assets of the Variable Account attributable to your Contract. See "CHARGES AND DEDUCTIONS – Mortality and Expense Risk Charge" and "CHARGES AND DEDUCTIONS – Administration Charge" in the Prospectus for more information.*

**The Mortality and Expense Rick Charge section in CHARGES AND DEDUCTIONS is deleted and replaced with the following:**

**Mortality and Expense Risk Charge**

To compensate Protective Life for assuming mortality and expense risks, we deduct a daily mortality and expense risk charge. We deduct the mortality and expense risk charge only from the Variable Account. This charge is represented as a component of the Base Contract Expense in the Fee Table section of this Prospectus.

For Contracts issued on or after August 11, 2025, the mortality and expense risk charge may vary based on your Contract Value on the Contract Issue Date and on each Contract Quarterly Anniversary. The charge (on an annual basis) is equal to 0.30% for Contract Value of $5,000 to $499,999, 0.25% for Contract Value of $500,000 to $999,000, or 0.20% for Contract Value of $1,000,000 or greater. This charge is assessed as a percentage of the average daily net assets of the Variable Account attributable to your Contract. The mortality and expense risk charge that applies to your Contract can decrease, increase, or stay the same as your Contract Value changes over time. Percentage changes will only occur on a Contract Quarterly Anniversary and will apply on a going forward basis. You will be notified in writing as percentage changes occur.

For Contracts issued before August 11, 2025, or in California, the charge is equal, on an annual basis, to 0.35% of the average daily net assets of the Variable Account attributable to your Contract.

The mortality risk Protective Life assumes is that Annuitant(s) may live for a longer period of time than estimated when the guarantees in the Contract were established. Because of these guarantees, each payee is assured that longevity will not have an adverse effect on the annuity payments received. The expense risk that Protective Life assumes is the risk that the administration charge and transfer fees may be insufficient to cover actual future expenses. ***We expect to make a reasonable profit with respect to the Contracts. We may make a profit or incur a loss from the mortality and expense risk charge. Any profit, including profit from the mortality and expense risk charge, may be used to finance distribution and other expenses.***

**The Administration Charge section in CHARGES AND DEDUCTIONS is deleted and replaced with the following:**

**Administration Charge**

For Contracts issued on or after August 11, 2025, we will deduct an administration charge equal (on an annual basis) to 0.15% of the daily net asset value of the Variable Account attributable to your Contract. For Contracts issued before August 11, 2025, or in California, the charge is equal to 0.10%. We make this deduction to reimburse Protective Life for expenses incurred in the administration of the Contract and the Variable Account. We deduct the administration charge only from the Variable Account value. This fee is represented as a component of the Base Contract Expense in the Fee Table section of this Prospectus.

\* \* \*

If you have any questions regarding this supplement, please work with your financial professional or contact us toll free at 1-800-456-6330.

Prospectus

(Included in Registrant's Form N-4, File No. 333-240192 [Accession No. 0001104659-25-036014](https://www.sec.gov/ix?doc=/Archives/edgar/data/1817186/000110465925036014/tm256309d1_485bpos.htm) filed on April 17, 2025 and incorporated by reference herein.)

SAI

(Included in Registrant's Form N-4, File No. 333-240192 [Accession No. 0001104659-25-036014](https://www.sec.gov/ix?doc=/Archives/edgar/data/1817186/000110465925036014/tm256309d1_485bpos.htm) filed on April 17, 2025 and incorporated by reference herein.)

**PART C**

**OTHER INFORMATION**

**Item 27. *Exhibits***

(a) Board of Directors Resolutions

(a) (1) [Resolution of the Board of Directors of Protective Life Insurance Company authorizing establishment of the PLICO Variable Annuity Account S](https://www.sec.gov/Archives/edgar/data/1817186/000110465920086540/a20-22205_1ex99d1.htm) is incorporated herein by reference to the Form N-4 Registration Statement(File No. 333-240102), filed with the Commission on July 27, 2020.

(b) Custodial Agreements - Not Applicable

(c) Underwriting Contracts

(c) (1) [Selling Agreement between Protective Life Insurance Company, Investment Distributors, Inc. and broker-dealers](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d3a.htm)is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(c) (2) [Revised Second Amended Distribution Agreement dated June 1, 2018 (PLICO-IDI)](http://www.sec.gov/Archives/edgar/data/914245/000110465918046234/a18-13967_1ex99d3aii.htm) is incorporated herein by reference to Post-Effective Amendment No. 26 to the Form N-4 Registration Statement (File No. 333-112892), filed with the Commission on July 20, 2018.

(c) (2) (i) [Amendment No. 1 to the Second Amended Distribution Agreement (PLICO-IDI)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920086540/a20-22205_1ex99d3ciii.htm) is incorporated herein by reference to the Form N-4 Registration Statement (File No. 333-240102), filed with the Commission on July 27, 2020.

(c) (2) (ii) [Revised Schedule to Second Amended Distribution Agreement between IDI and PLICO](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d3bii.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(c) (2) (iii) [Third Amended and Restated Distribution Agreement (PLICO-IDI) – Filed herein.](tm2516259d1_ex99-xcx2xiii.htm)

(d) Contracts (including Riders and Endorsements)

(d) (1) [Individual Flexible Premium Deferred Variable and Fixed Annuity Contrac](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d4a.htm)[t](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d4a.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(d) (2) [Contract Schedule for Individual Contracts](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d4b.htm)is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(d) (3) [Contract Schedule for Individual Contracts (ICC25-VDA-P-2006SF-2) – Filed herein](tm2516259d1_ex99-xdx3.htm).

(d) (4) [Guaranteed Account Endorsement](https://www.sec.gov/Archives/edgar/data/1817186/000110465920088336/a20-22207_1ex99d4c.htm) is incorporated herein by reference to the Registration Statement on Form N-4 (File No. 333-240192), filed with the Commission on July 30, 2020.

(d) (5) [Revised Nursing Home Endorsement](https://www.sec.gov/Archives/edgar/data/1817186/000110465920088336/a20-22207_1ex99d4d.htm)is incorporated herein by reference to the Registration Statement on Form N-4 (File No. 333-240192), filed with the Commission on July 30, 2020.

(d) (6) [SecurePay Rider](https://www.sec.gov/Archives/edgar/data/1817186/000110465920088336/a20-22207_1ex99d4e.htm) is incorporated herein by reference to the Registration Statement on Form N-4 (File No. 333-240192), filed with the Commission on July 30, 2020.

(d) (7) [SecurePay Spousal Continuation Rider](https://www.sec.gov/Archives/edgar/data/1817186/000110465920088336/a20-22207_1ex99d4f.htm) is incorporated herein by reference to the Registration Statement on Form N-4 (File No. 333-240192), filed with the Commission on July 30, 2020.

(d) (8) [Qualified Retirement Plan Endorsement](https://www.sec.gov/Archives/edgar/data/1817186/000110465920088336/a20-22207_1ex99d4g.htm) is incorporated herein by reference to the Registration Statement on Form N-4 (File No. 333-240192), filed with the Commission on July 30, 2020.

(d) (9) [Roth IRA Endorsement](https://www.sec.gov/Archives/edgar/data/1817186/000110465920088336/a20-22207_1ex99d4h.htm) is incorporated herein by reference to the Registration Statement on Form N-4 (File No. 333-240192), filed with the Commission on July 30, 2020.

(d) (10) [Traditional IRA Endorsement](https://www.sec.gov/Archives/edgar/data/1817186/000110465920088336/a20-22207_1ex99d4i.htm) is incorporated herein by reference to the Registration Statement on Form N-4 (File No. 333-240192), filed with the Commission on July 30, 2020.

(d) (11) [Return of Purchase Payments Death Benefit Rider](https://www.sec.gov/Archives/edgar/data/1817186/000110465920088336/a20-22207_1ex99d4j.htm) is incorporated herein by reference to the Registration Statement on Form N-4 (File No. 333-240192), filed with the Commission on July 30, 2020.

(d) (12) [Annuitization Bonus Endorsement](https://www.sec.gov/Archives/edgar/data/1817186/000110465920088336/a20-22207_1ex99d4k.htm) is incorporated herein by reference to the Registration Statement on Form N-4 (File No. 333-240192), filed with the Commission on July 30, 2020.

(e) Applications

(e) (1) [Contract Application for Individual Flexible Premium Deferred Variable and Fixed Annuity Contract](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d5.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(f) Insurance Company's Certificate of Incorporation and By-Laws

(f) (1) [2011 Amended and Restated Charter of Protective Life Insurance Company](http://www.sec.gov/Archives/edgar/data/914245/000110465911052071/a11-12429_1ex99d6e.htm) is incorporated herein by reference to Post-Effective Amendment No. 8 to the Form N-4 Registration Statement (File No. 333-153041), filed with the Commission on September 16, 2011.

(f) (1) (i) [2020 Amended and Restated Charter of Protective Life Insurance Company](https://www.sec.gov/Archives/edgar/data/914245/000110465921020030/a21-1657_1ex99d6a1.htm)is incorporated herein by reference to Post-Effective Amendment No. 9 to the Form N-4 Registration Statement (File No. 333-201919), filed with the Commission on February 11, 2021.

(f) (2) [2011 Amended and Restated By-laws of Protective Life Insurance Company](http://www.sec.gov/Archives/edgar/data/914245/000110465911052071/a11-12429_1ex99d6f.htm) is incorporated herein by reference to Post-Effective Amendment No. 8 to the Form N-4 Registration Statement (File No. 333-153041), filed with the Commission on September 16, 2011.

(f) (2) (i) [2020 Amended and Restated By-laws of Protective Life Insurance Company](https://www.sec.gov/Archives/edgar/data/914245/000110465921020030/a21-1657_1ex99d6b1.htm)is incorporated herein by reference to Post-Effective Amendment No. 9 to the Form N-4 Registration Statement (File No. 333-201919), filed with the Commission on February 11, 2021.

(g) Reinsurance Contracts - Not Applicable

(h) Participation Agreements

(h) (1) [Participation Agreement dated April 30, 2002 (Lord Abbett Series Fund)](http://www.sec.gov/Archives/edgar/data/914245/000091205702016582/a2073194zex-8_g.htm) is incorporated herein by reference to Post-Effective Amendment No. 3 to the Form N-4 Registration Statement (File No. 333-94047), filed with the Commission on April 25, 2002.

(h) (1) (i) [Rule 22c-2 Shareholder Information Agreement (Lord Abbett Series Fund)](http://www.sec.gov/Archives/edgar/data/914245/000110465907032352/a07-1007_1ex99db8t.htm) is incorporated herein by reference to Post-Effective Amendment No. 17 to the Form N-4 Registration Statement (File No. 33-70984), filed with the Commission on April 27, 2007.

(h) (1) (ii) [Amendment dated April 28, 2022 (Lord Abbett Series Fund)](https://www.sec.gov/Archives/edgar/data/914245/000110465922077191/a22-11472_10ex99dh12ii.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the N-4 Registration Statement (File No. 333-261426), filed July 5, 2022.

(h) (2) [Participation Agreement dated December 19, 2003 (Goldman Sachs Variable Insurance Trust)](http://www.sec.gov/Archives/edgar/data/914245/000104746904004762/a2127346zex-8_l.htm) is incorporated herein by reference to the Form N-4 Registration Statement (File No. 333-112892), filed with the Commission on February 17, 2004.

(h) (2) (i) [Rule 22c-2 Shareholder Information Agreement dated April 11, 2007 (Goldman Sachs Variable Insurance Trust)](http://www.sec.gov/Archives/edgar/data/914245/000110465907032352/a07-1007_1ex99db8s.htm) is incorporated herein by reference to Post-Effective Amendment No. 17 to the Form N-4 Registration Statement (File No. 33-70984), filed with the Commission on April 27, 2007.

(h) (2) (ii) [Amendment dated April 12, 2011 to Participation Agreement re Summary Prospectus (Goldman Sachs Variable Insurance Trust)](http://www.sec.gov/Archives/edgar/data/914245/000110465911022169/a11-8138_1ex8dli.htm) is incorporated herein by reference to Post-Effective Amendment No. 19 to the Form N-4 Registration Statement (File No. 333-113070), filed with the Commission on April 25, 2011.

(h) (2) (iii) [Amendment dated December 22, 2020 to Participation Agreement (Goldman Sachs Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8biii.htm) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (2) (iv) [Amendment dated April 12, 2021 to Participation Agreement (Goldman Sachs Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8biv.htm) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (2) (v) [Amendment dated March 24, 2022 to Participation Agreement (Goldman Sachs Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046511/a22-11452_1ex99dh2v.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240102), filed with the Commission on April 15, 2022.

(h) (2) (vi) [Amendment dated December 15, 2022 to Participation Agreement (Goldman Sachs Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx9xvi.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (2) (vii) [Amendment dated April 23, 2024 to Participation Agreement (Goldman Sachs Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465925036014/tm256309d1_ex99-xhx2xvii.htm) is incorporated herein by reference to Post-Effective Amendment No. 5 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 17, 2025.

(h) (3) [Participation Agreement dated April 11, 2007 (Fidelity Variable Insurance Products)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8c.htm)is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (3) (i) [Rule 22c-2 Shareholder Information Agreement (Fidelity Variable Insurance Products)](http://www.sec.gov/Archives/edgar/data/914245/000110465907032352/a07-1007_1ex99db8q.htm) is incorporated herein by reference to Post-Effective Amendment No. 17 to the Form N-4 Registration Statement (File No. 33-70984), filed with the Commission on April 27, 2007.

(h) (3) (ii) [Amendment dated October 15, 2020 to Participation Agreement (Fidelity Variable Insurance Products)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8ci.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (3) (iii) [Amendment dated October 11, 2021 to Participation Agreement (Fidelity Variable Insurance Products)](https://www.sec.gov/Archives/edgar/data/914245/000110465921145045/a21-33178_1ex99dh4iii.htm#h4_iii) is incorporated herein by reference to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on November 30, 2021.

(h) (3) (iv) [Amendment dated March 10, 2022 to Participation Agreement (Fidelity Variable Insurance Products)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046501/a22-11450_1ex99dh3iv.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 15, 2022.

(h) (3) (v) [Amendment dated December 15, 2022 to Participation Agreement (Fidelity Variable Insurance Products)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx7xv.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (4) [Participation Agreement dated November 30, 2020 (Franklin Templeton Variable Insurance Products Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465921020030/a21-1657_1ex99d8f.htm) is incorporated herein by reference to Post-Effective Amendment No. 9 to the Form N-4 Registration Statement (File No. 333-201919), filed with the Commission on February 11, 2021.

(h) (4) (i) [Addendum dated November 30, 2020 to Participation Agreement (Franklin Templeton Variable Insurance Products Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465921020030/a21-1657_1ex99d8fi.htm) is incorporated herein by reference to Post-Effective Amendment No. 9 to the Form N-4 Registration Statement (File No. 333-201919), filed with the Commission on February 11, 2021.

(h) (4) (ii) [Amendment dated March 31, 2021 to Participation Agreement (Franklin Templeton Variable Insurance Products Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8dii.htm) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (4) (iii) [Rule 22c-2 Shareholder Information Agreement (Franklin Templeton Variable Insurance Products Trust)](http://www.sec.gov/Archives/edgar/data/914245/000110465907032352/a07-1007_1ex99db8r.htm) is incorporated herein by reference to Post-Effective Amendment No. 17 to the Form N-4 Registration Statement (File No. 33-70984), filed with the Commission on April 27, 2007.

(h) (4) (iv) [Amendment dated April 1, 2022 to Participation Agreement (Franklin Templeton Variable Insurance Products Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465922077191/a22-11472_10ex99dh8iv.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the N-4 Registration Statement (File No. 333-261426), filed July 5, 2022.

(h) (4) (v) [Amendment dated November 1, 2022 to Participation Agreement (Franklin Templeton Variable Insurance Products Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx8xv.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (5) [Participation Agreement dated November 1, 2009 (Legg Mason)](http://www.sec.gov/Archives/edgar/data/914245/000110465909060888/a09-23551_1ex8dbb.htm) is incorporated herein by reference to Post-Effective Amendment No. 15 to the Form N-4 Registration Statement (File No. 333-113070), filed with the Commission on October 28, 2009.

(h) (5) (i) [Amendment dated April 11, 2014 to Participation Agreement (Legg Mason)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8hi.htm)is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (5) (ii) [Amendment dated September 10, 2019 to Participation Agreement (Legg Mason)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8hii.htm)is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (5) (iii) [Amendment dated August 11, 2020 to Participation Agreement (Legg Mason)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8hiii.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (5) (iv) [Amendment dated November 30, 2020 to Participation Agreement (Legg Mason)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8niiii.htm#Exhibit99_8niii_022309)is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-6 Registration Statement (File No. 333-248236), filed with the Commission on December 16, 2020.

(h) (5) (v) [Amendment dated April 7, 2021 to Participation Agreement (Legg Mason)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8ev.htm#ex998e_v) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (5) (vi) [Amendment dated October 26, 2022 to Participation Agreement (Legg Mason)](https://www.sec.gov/Archives/edgar/data/914245/000110465922127313/a22-25275_5ex99dh6vi.htm) is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-267354), filed with the Commission on December 15, 2022.

(h) (6) [Participation Agreement dated November 1, 2009 (PIMCO Variable Insurance Trust)](http://www.sec.gov/Archives/edgar/data/914245/000110465909060888/a09-23551_1ex8dcc.htm) is incorporated herein by reference to Post-Effective Amendment No. 15 to the Form N-4 Registration Statement (File No. 333-113070), filed with the Commission on October 28, 2009.

(h) (6) (i) [Novation of and Amendment dated April 25, 2011 to Participation Agreement (PIMCO Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8ii.htm)is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (6) (ii) [Amendment dated April 25, 2011 to Participation Agreement re Summary Prospectuses (PIMCO Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8iii.htm)is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (6) (iii) [Amendment dated September 1, 2020 to Participation Agreement (PIMCO Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8riiii.htm#Exhibit99_8riiii_094102)is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-6 Registration Statement (File No. 333-248236), filed with the Commission on December 16, 2020.

(h) (6) (iv) [Amendment dated April 2, 2021 to Participation Agreement (PIMCO Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8fiv.htm#ex998f_iv) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (6) (v) [Amendment dated August 9, 2022 to Participation Agreement (PIMCO Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465922098918/a22-25275_1ex99dh8v.htm) is incorporated herein by reference to the Form N-4 Registration Statement (File No. 333-267354), filed with the Commission on September 9, 2022.

(h) (7) [Participation Agreement dated November 1, 2009 (Royce Capital)](http://www.sec.gov/Archives/edgar/data/914245/000110465909060888/a09-23551_1ex8ddd.htm) is incorporated herein by reference to Post-Effective Amendment No. 15 to the Form N-4 Registration Statement (File No. 333-113070), filed with the Commission on October 28, 2009.

(h) (7) (i) [Rule 22c-2 Information Sharing Agreement (Royce Capital)](http://www.sec.gov/Archives/edgar/data/914245/000110465909060888/a09-23551_1ex8dee.htm) is incorporated herein by reference to Post-Effective Amendment No. 15 to the Form N-4 Registration Statement (File No. 333-113070), filed with the Commission on October 28, 2009.

(h) (7) (ii) [Amendment dated November 30, 2020 to Participation Agreement (Royce Capital)](https://www.sec.gov/Archives/edgar/data/914245/000110465921020030/a21-1657_1ex99d8iii.htm)is incorporated herein by reference to Post-Effective Amendment No. 9 to the Form N-4 Registration Statement (File No. 333-201919), filed with the Commission on February 11, 2021.

(h) (7) (iii) [Amendment dated August 10, 2022 to Participation Agreement (Royce Capital)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047713/tm2310501d1_ex99-xhx11xiii.htm) is incorporated herein by reference to Post-Effective Amendment No. 26 to the Form N-4 Registration Statement (File No. 333-176657), filed with the Commission on April 20, 2023.

(h) (8) [Participation Agreement dated February 1, 2015 (AIM-Invesco Variable Insurance Funds)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8l.htm)is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (8) (i) [Rule 22c-2 Agreement (AIM-Invesco Variable Insurance Funds)](http://www.sec.gov/Archives/edgar/data/914245/000110465916141218/a16-11414_1ex99d8w.htm) is incorporated herein by reference to Post-Effective Amendment No. 12 to the Form N-4 Registration Statement (File No. 333-179649), as filed with the Commission on August 24, 2016.

(h) (8) (ii) [Amendment dated March 22, 2022 to Participation Agreement (AIM-Invesco Variable Insurance Funds)](https://www.sec.gov/Archives/edgar/data/914245/000110465922077191/a22-11472_10ex99dh8iv.htm)is incorporated herein by reference to Pre-Effective Amendment No. 2 to the N-4 Registration Statement (File No. 333-261426), filed with the Commission on July 5, 2022.

(h) (9) [Participation Agreement dated June 18, 2015 (American Funds)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8m.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (9) (i) [Rule 22c-2 Shareholder Information Agreement (American Funds)](http://www.sec.gov/Archives/edgar/data/914245/000104746908005631/a2184918zex-8_aa.htm) is incorporated herein by reference to Post-Effective Amendment No. 11 to the Form N-4 Registration Statement (File No. 333-113070), filed with the Commission on April 30, 2008.

(h) (9) (ii) [Amendment dated October 1, 2019 to Participation Agreement (American Funds)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8mi.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (9) (iii) [Amendment dated November 25, 2020 to Participation Agreement (American Funds)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8biii.htm) is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-6 Registration Statement (File No. 333-248236), filed with the Commission on December 16, 2020.

(h) (9) (iv) [Amendment dated March 22, 2021 to Participation Agreement (American Funds)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8iiv.htm#Ex998i_iv) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File 333-240192), filed with the Commission on April 16, 2021.

(h) (9) (v) [Amendment dated April 29, 2022 to Participation Agreement (American Funds)](https://www.sec.gov/Archives/edgar/data/914245/000110465922077191/a22-11472_10ex99dh3v.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the N-4 Registration Statement (File No. 333-261426), filed July 5, 2022.

(h) (9) (vi) [Amendment dated August 1, 2022 to Participation Agreement (American Funds)](https://www.sec.gov/Archives/edgar/data/914245/000110465922098918/a22-25275_1ex99dh5vi.htm) is incorporated herein by reference to the Form N-4 Registration Statement (File No. 333-267354), filed with the Commission on September 9, 2022.

(h) (10) [Participation Agreement dated May 1, 2016 (Clayton Street Funds)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8n.htm) is incorporated by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (10) (i) [Rule 22c-2 Agreement (Clayton Street Funds)](http://www.sec.gov/Archives/edgar/data/914245/000110465916114205/a16-1017_1ex99d8w.htm) is incorporated herein by reference to Post-Effective Amendment No. 4 to the Form N-4 Registration Statement (File No. 333-190294), filed with the Commission on April 26, 2016.

(h) (10) (ii) [Amendment dated September 1, 2020 to Participation Agreement (Clayton Street Funds)](https://www.sec.gov/Archives/edgar/data/1817186/000110465920129384/a20-22207_1ex99d8ni.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on November 25, 2020.

(h) (10) (iii) [Amendment dated December 10, 2020 (Clayton Street Funds)](https://www.sec.gov/Archives/edgar/data/914245/000110465921145045/a21-33178_1ex99dh10iii.htm) is incorporated herein by reference to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on November 30, 2021.

(h) (10) (iv) [Amendment dated March 10, 2022 (Clayton Street Funds)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046511/a22-11452_1ex99dh10iv.htm#ex99h10iv_0-0) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240102), filed with the Commission on April 15, 2022.

(h) (10) (v) [Amendment dated March 15, 2022 (Clayton Street Funds)](https://www.sec.gov/Archives/edgar/data/1817186/000110465925036014/tm256309d1_ex99-xhx10xv.htm) is incorporated herein by reference to Post-Effective Amendment No. 5 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 17, 2025.

(h) (10) (vi) [Amendment dated July 29, 2024 (Clayton Street Funds)](https://www.sec.gov/Archives/edgar/data/1817186/000110465925036014/tm256309d1_ex99-xhx10xvi.htm) is incorporated herein by reference to Post-Effective Amendment No. 5 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 17, 2025.

(h) (11) [Participation Agreement dated December 7, 2020 (Great-West Funds, Inc.)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8j.htm)is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-6 Registration Statement (File No. 333-248236), filed with the Commission on December 16, 2020.

(h) (11) (i) [Amendment dated October 18, 2021 (Great-West Funds, Inc.)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046501/a22-11450_1ex99dh11i.htm#ex99h11i-0) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 15, 2022.

(h) (12) [Participation Agreement dated November 9, 2020 (Schwab Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8l.htm) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), file with the Commission on April 16, 2021.

(h) (12) (i) [Amendment dated March 22, 2022 to Participation Agreement (Schwab Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465924047194/tm242182d1_ex99-xhx12xi.htm#ex99h12i) is incorporated herein by reference to Post-Effective Amendment No. 4 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 15, 2024.

(h) (12) (ii) [Amendment dated December 15, 2022 to Participation Agreement (Schwab Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465923044933/tm239971d1_ex99-xhx12xi.htm) is incorporated herein by reference to Post-Effective Amendment No. 3 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 13, 2023.

(h) (13) [Participation Agreement dated December 16, 2020 (Alliance Bernstein)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8m.htm#ex998m) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (13) (i) [Amendment dated March 15, 2021 to Participation Agreement (Alliance Bernstein](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8mi.htm#ex998m_i)) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (13) (ii) [Amendment dated January 1, 2023 to Participation Agreement (Alliance Bernstein)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx1xii.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (13) (iii) [Amendment dated April 1, 2024 to Participation Agreement (Alliance Bernstein)](https://www.sec.gov/Archives/edgar/data/1817186/000110465924047194/tm242182d1_ex99-xhx13xiii.htm#ex99h13iii) is incorporated herein by reference to Post-Effective Amendment No. 4 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 15, 2024.

(h) (14) [Participation Agreement dated December 1, 2020 (BlackRock)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8c.htm)is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-6 Registration Statement (File No. 333-248236), filed with the Commission on December 16, 2020.

(h) (14) (i) [Amendment dated May 1, 2021 to Participation Agreement (BlackRock)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8ni.htm#ex998n_i) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (14) (ii) [Amendment dated April 1, 2022 to Participation Agreement (BlackRock](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx4xii.htm)) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (14) (iii) [Amendment dated September 16, 2022 to Participation Agreement (BlackRock)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx4xiii.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (15) [Participation Agreement dated April 12, 2021 (Columbia Funds Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8o.htm#ex998o) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (15) (i) [Participation Agreement dated April 12, 2021 (Columbia Funds Variable Insurance Trust II)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8oi.htm#ex998o_i) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (15) (ii) [Amendment dated November 23, 2021 (Columbia Funds Variable Insurance Trust II)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046511/a22-11452_1ex99dh15ii.htm#ex99h15ii-0) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240102), filed with the Commission on April 15, 2022.

(h) (15) (iii) [Amendment dated March 22, 2022 (Columbia Funds Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046501/a22-11450_1ex99dh15iii.htm#ex99h15iii-0) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 15, 2022.

(h) (15) (iv) [Amendment dated December 30, 2022 to Participation Agreement (Columbia Funds Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx6xiv.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (15) (v) [Amendment dated December 30, 2022 to Participation Agreement (Columbia Funds Variable Insurance Trust II)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx6xv.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (16) [Participation Agreement dated December 8, 2020 (T. Rowe Price)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8u.htm) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (16) (i) [Rule 22c-2 Agreement dated December 8, 2020 (T. Rowe Price)](https://www.sec.gov/Archives/edgar/data/1817186/000110465921050930/a21-1686_1ex99d8pi.htm#ex998p_i) is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 16, 2021.

(h) (16) (ii) [Amendment dated May 3, 2021 to Participation Agreement (T. Rowe Price)](https://www.sec.gov/Archives/edgar/data/914245/000110465921127107/a21-30167_1ex99dh16ii.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-237747), filed with the Commission on October 18, 2021.

(h) (17) [Participation Agreement dated May 1, 2018 (American Century Investment Services, Inc.)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8ai.htm)is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-248236), filed with the Commission on December 16, 2020.

(h) (17) (i) [Amendment dated November 10, 2020 (American Century Investment Services, Inc.)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8aii.htm) is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-4 Registration Statement (File No. 333-248236), filed with the Commission on December 16, 2020.

(h) (17) (ii) [Amendment dated March 30, 2022 to Participation Agreement (American Century Investment Services, Inc.)](https://www.sec.gov/Archives/edgar/data/914245/000110465922077191/a22-11472_10ex99dh2i.htm) is incorporated herein by reference to Pre-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on July 5, 2022.

(h) (17) (ii) [Amendment dated April 1, 2022 to Participation Agreement (American Century Investment Services, Inc.)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046511/a22-11452_1ex99dh17ii.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240102), filed with the Commission on April 15, 2022.

(h) (18) [Participation Agreement dated May 1, 2003 (Morgan Stanley - UIF)](http://www.sec.gov/Archives/edgar/data/914245/000104746903015466/a2109350zex-8_j.htm) is incorporated herein by reference to Post-Effective Amendment No. 5 to the Form N-4 Registration Statement, (File No. 333-94047), filed with the Commission on April 30, 2003.

(h) (18) (i) [Rule 22c-2 Shareholder Information Agreement (Morgan Stanley - UIF)](http://www.sec.gov/Archives/edgar/data/914245/000110465907032352/a07-1007_1ex99db8w.htm) is incorporated herein by reference to Post-Effective Amendment No. 17 to the Form N-4 Registration Statement (File No. 33-70984), filed with the Commission on April 27, 2007.

(h) (18) (ii) [Amendment dated March 11, 2022 to Participation Agreement (Morgan Stanley - UIF)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046501/a22-11450_1ex99dh18ii.htm#ex99h18ii-0) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 15, 2022.

(h) (18) (iii) [Amendment dated April 15, 2023 to Participation Agreement (Morgan Stanley - UIF)](https://www.sec.gov/Archives/edgar/data/914245/000110465923088323/tm2322339d1_ex99-xhx13xii.htm) is incorporated herein by reference to Post-Effective Amendment No. 3 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on August 7, 2023.

(h) (19) [Participation Agreement dated December 3, 2020 (Janus Aspen Series)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8l.htm)is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-6 Registration Statement (File No. 333-248236), filed with the Commission on December 16, 2020.

(h) (19) (i) [Amendment dated October 11, 2021 to Participation Agreement (Janus Aspen Series)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046501/a22-11450_1ex99dh19i.htm#ex99h19i-0) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 15, 2022.

(h) (19) (ii) [Amendment dated March 1, 2022 to Participation Agreement (Janus Aspen Series)](https://www.sec.gov/Archives/edgar/data/1817186/000110465922046511/a22-11452_1ex99dh19ii.htm#ex99h19ii-0) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-240102), filed with the Commission on April 15, 2022.

(h) (19) (iii) [Amendment dated October 1, 2022 to Participation Agreement (Janus Aspen Series)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx11xiii.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (19) (iv) [Amendment dated March 15, 2022 to Participation Agreement (Janus Aspen Series)](https://www.sec.gov/Archives/edgar/data/1817186/000110465925036014/tm256309d1_ex99-xhx19xiv.htm) is incorporated herein by reference to Post-Effective Amendment No. 5 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 17, 2025.

(h) (19) (v) [Amendment dated July 29, 2024 to Participation Agreement (Janus Aspen Series)](https://www.sec.gov/Archives/edgar/data/1817186/000110465925036014/tm256309d1_ex99-xhx19xv.htm) is incorporated herein by reference to Post-Effective Amendment No. 5 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 17, 2025.

(h) (20) [Participation Agreement dated May 1, 2012 (MFS Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465921056622/a21-1654_1ex8db.htm) is incorporated herein by reference to Post-Effective Amendment No. 12 to the Form N-4 Registration Statement (File No. 333-190294), as filed with the Commission on April 28, 2021.

(h) (20) (i) [Rule 22c-2 Shareholder Information Agreement (MFS Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465907032352/a07-1007_1ex99db8u.htm) is incorporated herein by reference to Post-Effective Amendment No.17 to the Form N-4 Registration Statement (File No. 33-70984), filed with the Commission on April 27, 2007.

(h) (20) (ii) [Amendment dated October 1, 2020 to Participation Agreement (MFS Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/1821985/000110465920136401/a20-23510_1ex99d8pii.htm)is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-6 Registration Statement (File No. 333-248236), filed with the Commission on December 16, 2020.

(h) (20) (iii) [Amendment dated March 22, 2022 to Participation Agreement (MFS Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465924025893/tm245530d1_ex99-xhx17xiii.htm) is incorporated herein by reference to Post-Effective Amendment 4 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on February 12, 2024.

(h) (20) (iv) [Amendment dated August 11, 2022 to Participation Agreement (MFS Variable Insurance Trust)](https://www.sec.gov/Archives/edgar/data/914245/000110465923047694/tm2310495d1_ex99-xhx17xiii.htm) is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 Registration Statement (File No. 333-261426), filed with the Commission on April 20, 2023.

(h) (21) [Participation Agreement dated May 1, 2023 (Lincoln Variable Insurance Products Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465924047182/tm242184d1_ex99-xhx21.htm#ex99h21)is incorporated herein by reference to Post-Effective Amendment No. 4 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 15, 2024.

(h) (21) (i) [Amendment dated April 29, 2024 to Participation Agreement (Lincoln Variable Insurance Products Trust)](https://www.sec.gov/Archives/edgar/data/1817186/000110465924047182/tm242184d1_ex99-xhx21xi.htm#ex99h21i)is incorporated herein by reference to Post-Effective Amendment No. 4 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 15, 2024.

(i) Administrative Contracts - Not Applicable

(j) Other Material Contracts - Not Applicable

(k) Legal Opinion

(k) (1) [Opinion and Consent of Brandon J. Cage, Esq.](https://www.sec.gov/Archives/edgar/data/1817186/000110465923044933/tm239971d1_ex99-xkx1.htm) is incorporated herein by reference to Post-Effective Amendment No. 3 to the Form N-4 Registration Statement (File No. 333-240192), filed with the Commission on April 13, 2023.

(l) Other Opinions

(l) (1) Consents of KPMG LLP [TO BE FILED]

(m) Omitted Financial Statements - Not Applicable

(n) Initial Capital Agreements - Not Applicable

(o) [Form of Initial Summary Prospectuses – Filed herein.](tm2516259d1_ex99-xo.htm)

(p) [Powers of Attorney](https://www.sec.gov/Archives/edgar/data/914245/000110465925013650/tm254231d1_ex99-xp.htm) is incorporated herein by reference to Post-Effective Amendment No. 4 to the Form N-4 Registration Statement (File No. 333-267354), filed with the Commission on February 14, 2025.

(q) Letter regarding Change in Certifying Accountant- Not Applicable.

(r) Historical Current Limits on Index Gains – Not Applicable

**Item 28. *Directors and Officers of the Insurance Company***

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Name and Principal Business <br> Address\*** | &nbsp;&nbsp;**Position and Offices with Insurance Company** |
| &nbsp;&nbsp;**Adams, D. Scott** | &nbsp;&nbsp;Executive Vice President, Chief Transformation and Strategy Officer |
| &nbsp;&nbsp;**Bartlett, Malcolm Lee** | &nbsp;&nbsp;Senior Vice President, Corporate Tax |
| &nbsp;&nbsp;**Bern, Leigh Bynum** | &nbsp;&nbsp;Senior Vice President, Chief Financial Actuary, and Appointed Actuary |
| &nbsp;&nbsp;**Bielen, Richard J.** | &nbsp;&nbsp;Chairman of the Board, Chief Executive Officer, President, and Director |
| &nbsp;&nbsp;**Black, Lance P.** | &nbsp;&nbsp;Executive Vice President, Acquisitions and Corporate Development |
| &nbsp;&nbsp;**Byrd, Kenneth** | &nbsp;&nbsp;Senior Vice President, Operations |
| &nbsp;&nbsp;**Cramer, Steve** | &nbsp;&nbsp;Senior Vice President, and Chief Product Officer |
| &nbsp;&nbsp;**Creutzmann, Scott E.** | &nbsp;&nbsp;Senior Vice President, and Chief Compliance Officer |
| &nbsp;&nbsp;**Drew, Mark L.** | &nbsp;&nbsp;Executive Vice President, and Chief Legal Officer |
| &nbsp;&nbsp;**Evesque, Wendy L.** | &nbsp;&nbsp;Executive Vice President, and Chief Human Resources Officer |
| &nbsp;&nbsp;**Goldsmith, Lisa M.** | &nbsp;&nbsp;Director |
| &nbsp;&nbsp;**Hardeman, James C.** | &nbsp;&nbsp;Senior Vice President, Financial Planning and Analysis |
| &nbsp;&nbsp;**Harrison, Wade V.** | &nbsp;&nbsp;Executive Vice President, and Chief Operating Officer, and Director |
| &nbsp;&nbsp;**Herring, Derry W** | &nbsp;&nbsp;Senior Vice President, and Chief Auditor |
| &nbsp;&nbsp;**Karchunas, M. Scott** | &nbsp;&nbsp;Senior Vice President, and President, Asset Protection Division |
| &nbsp;&nbsp;**Kohler, Matthew** | &nbsp;&nbsp;Senior Vice President, and Chief Information Officer |
| &nbsp;&nbsp;**Kolmin, Russell** | &nbsp;&nbsp;Senior Vice President, and Chief Product Officer |
| &nbsp;&nbsp;**Kurtz, Richard J.** | &nbsp;&nbsp;Senior Vice President, and Chief Distribution Officer |
| &nbsp;&nbsp;**Laeyendecker, Ronald** | &nbsp;&nbsp;Senior Vice President, Executive Benefit Markets |
| &nbsp;&nbsp;**Lassiter, Frank Q.** | &nbsp;&nbsp;Vice President, Head of Treasury, and Treasurer |
| &nbsp;&nbsp;**Lawrence, Mary Pat** | &nbsp;&nbsp;Senior Vice President, Government Affairs |
| &nbsp;&nbsp;**Lebel, Dominique** | &nbsp;&nbsp;Senior Vice President, and Chief Risk Officer |
| &nbsp;&nbsp;**Lee, Felicia M.** | &nbsp;&nbsp;Secretary, Vice President, and Senior Counsel |
| &nbsp;&nbsp;**McDonald, Laura Y.** | &nbsp;&nbsp;Senior Vice President, and Chief Mortgage and Real Estate Officer |
| &nbsp;&nbsp;**Passafiume, Philip E.** | &nbsp;&nbsp;Executive Vice President, Chief Investment Officer, and Director |
| &nbsp;&nbsp;**Peeler, Rachelle R.** | &nbsp;&nbsp;Senior Vice President, and Senior Human Resources Partner |
| &nbsp;&nbsp;**Pugh, Barbara N.** | &nbsp;&nbsp;Senior Vice President, and Chief Accounting Officer |
| &nbsp;&nbsp;**Ray, Webster M.** | &nbsp;&nbsp;Senior Vice President, Investments |
| &nbsp;&nbsp;**Seurkamp, Aaron C.** | &nbsp;&nbsp;Senior Vice President, and President, Protection and Retirement Division |
| &nbsp;&nbsp;**Wagner, James** | &nbsp;&nbsp;Senior Vice President, and Chief Distribution Officer |
| &nbsp;&nbsp;**Wahlheim, Cary T.** | &nbsp;&nbsp;Senior Vice President, and Senior Counsel |
| &nbsp;&nbsp;**Wells, Paul R.** | &nbsp;&nbsp;Executive Vice President, Chief Financial Officer, and Director |
| &nbsp;&nbsp;**Whitcomb, John** | &nbsp;&nbsp;Senior Vice President, Retirement Operations and Strategic Planning |
| &nbsp;&nbsp;**Williams, Doyle J.** | &nbsp;&nbsp;Senior Vice President, and Chief Marketing Officer |

---

\* Unless otherwise indicated, principal business address is 2801 Highway 280 South, Birmingham, Alabama 35223

**Item 29. *Persons Controlled by or Under Common Control With the Insurance Company or the Registered Separate Account.***

The Registered Separate Account is a segregated asset account of the Company and is therefore owned and controlled by the Company. All of the Company's outstanding voting common stock is owned by Protective Life

Corporation, a subsidiary of Dai-ichi Life Holdings, Inc. Protective Life Corporation is described more fully in the prospectus included in this registration statement.

For more information regarding the company structure of Protective Life Corporation and Dai-ichi Life Holdings, Inc., please refer to the [organizational chart](https://www.sec.gov/Archives/edgar/data/2054342/000110465925009920/tm255075d2_ex99-32.htm) incorporated herein by reference to the Form N-6 Registration Statement (File No. 333-284719), filed with the Commission on February 6, 2025.

**Item 30. *Indemnification***

Article XI of the By-laws of Protective Life provides, in substance, that any of Protective Life's directors and officers, who is a party or is threatened to be made a party to any action, suit or proceeding, other than an action by or in the right of Protective Life, by reason of the fact that he is or was an officer or director, shall be indemnified by Protective Life against expenses (including attorneys' fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with such claim, action, suit or proceeding if he acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of Protective Life and, with respect to any criminal action or proceeding, had no reasonable cause to believe his conduct was unlawful. If the claim, action or suit is or was by or in the right of Protective Life to procure a judgment in its favor, such person shall be indemnified by Protective Life against expenses (including attorneys' fees) actually and reasonably incurred by him in connection with the defense or settlement of such action or suit if he acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of Protective Life, except that no indemnification shall be made in respect of any claim, issue or matter as to which such person shall have been adjudged to be liable for negligence or misconduct in the performance of his duty to Protective Life unless and only to the extent that the court in which such action or suit was brought shall determine upon application that, despite the adjudication of liability but in view of all circumstances of the case, such person is fairly and reasonably entitled to indemnity for such expenses which such court shall deem proper. To the extent that a director or officer has been successful on the merits or otherwise in defense of any such action, suit or proceeding, or in defense of any claim, issue or matter therein, he shall be indemnified by Protective Life against expenses (including attorneys' fees) actually and reasonably incurred by him in connection therewith, not withstanding that he has not been successful on any other claim issue or matter in any such action, suit or proceeding. Unless ordered by a court, indemnification shall be made by Protective Life only as authorized in the specific case upon a determination that indemnification of the officer or director is proper in the circumstances because he has met the applicable standard of conduct. Such determination shall be made (a) by the Board of Directors by a majority vote of a quorum consisting of directors who were not parties to, or who have been successful on the merits or otherwise with respect to, such claim action, suit or proceeding, or (b) if such a quorum is not obtainable, or, even if obtainable a quorum of disinterested directors so directs, by independent legal counsel in a written opinion or (c) by the shareholders.

In addition, the executive officers and directors are insured by PLC's Directors' and Officers' Liability Insurance Policy including Company Reimbursement and are indemnified by a written contract with PLC which supplements such coverage.

Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

**Item 31. *Principal Underwriters***

(a) Investment Distributors, Inc. ("IDI") is the principal underwriter of the Policies as defined in the Investment Company Act of 1940. IDI is also principal underwriter for the Protective Variable Annuity Separate Account, Protective Variable Life Separate Account, Protective COLI VUL, Protective COLI PPVUL, Variable Annuity Separate Account A of Protective Life, PLAIC Variable Annuity Account S, Protective NY Variable Life Separate Account, and Protective NY COLI VUL. The principal underwriter, IDI, is also currently distributing units of interest in the following separate accounts: Variable Annuity-1 Series Account, Variable Annuity-1 Series Account of Great West Life & Annuity Insurance Company of New York, Variable Annuity-2 Series Account, Variable Annuity-2 Series Account [New York], Variable Annuity-3 Series Account, COLI VUL-2 Series Account, COLI VUL-2 Series Account of Great West Life & Annuity Insurance Company of New York, COLI VUL-4 Series Account of Great-West Life & Annuity Insurance Company, Maxim Series Account of Great West Life & Annuity Insurance Company, Prestige Variable Life Account, Pinnacle Series Account of Great West Life & Annuity Insurance Company, Trillium Variable Annuity Account.

(b) The following information is furnished with respect to the officers and directors of IDI:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Name and Principal<br> Business Address\*** | &nbsp;&nbsp;**Position and Offices** | &nbsp;&nbsp;**Position and Offices with Underwriter** |
| &nbsp;&nbsp;**Carlson, Martha H.** | &nbsp;&nbsp;Designated Responsible Licensed Producer | &nbsp;&nbsp;Vice President, National Sales Manager Annuity |
| &nbsp;&nbsp;**Coffman, Benjamin P.** | &nbsp;&nbsp;Vice President, Financial Reporting | &nbsp;&nbsp;Vice President, Financial Reporting |
| &nbsp;&nbsp;**Collazo, Kimberly B.** | &nbsp;&nbsp;Assistant Secretary | &nbsp;&nbsp;Vice President and Senior Counsel |
| &nbsp;&nbsp;**Creutzmann, Scott E.** | &nbsp;&nbsp;Director | &nbsp;&nbsp;Senior Vice President and Chief Compliance Officer |
| &nbsp;&nbsp;**Lane, Jamie L.** | &nbsp;&nbsp;Director | &nbsp;&nbsp;Vice President, Head of DX and Enterprise Shared Services |
| &nbsp;&nbsp;**Lee, Felicia M.** | &nbsp;&nbsp;Secretary | &nbsp;&nbsp;Secretary, Vice President, and Senior Counsel |
| &nbsp;&nbsp;**McCreless, Kevin L.** | &nbsp;&nbsp;Chief Compliance Officer | &nbsp;&nbsp;Senior Director Regulatory |
| &nbsp;&nbsp;**Morsch, Letitia A.** | &nbsp;&nbsp;Assistant Secretary, and Director | &nbsp;&nbsp;Vice President, Head of Retail Retirement Operations |
| &nbsp;&nbsp;**Reed, Alisha D.** | &nbsp;&nbsp;Director | &nbsp;&nbsp;Vice President, Head of Marketing Strategy |
| &nbsp;&nbsp;**Richards, Megan P.** | &nbsp;&nbsp;Assistant Secretary | &nbsp;&nbsp;Assistant Secretary |
| &nbsp;&nbsp;**Tennent, Rayburn** | &nbsp;&nbsp;Senior Analyst Financial Reporting | &nbsp;&nbsp;Senior Analyst Financial Reporting |
| &nbsp;&nbsp;**Wagner, James** | &nbsp;&nbsp;President and Director | &nbsp;&nbsp;Senior Vice President and Chief Distribution Officer |

---

\* Unless otherwise indicated, principal business address is 2801 Highway 280 South, Birmingham, Alabama, 35223.

(c) The following commissions were received by each principal underwriter, directly or indirectly, from the Registrant during the Registrant's last fiscal year:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(1) Name of Principal<br> Underwriter** | **(2) Net Underwriting<br> Discounts** | **(3) Compensation on<br> Redemption** | **(4) Brokerage<br> Commissions** | **(5) Other<br> Compensation** |
| Investment Distributors, Inc. | N/A |  | N/A | N/A |

---

**Item 31A. *Information about Contracts with Index-Linked Options and Fixed Options Subject to a Contract Adjustment***

This product does not offer any Index-Linked Options and/or fixed Options subject to a Contract Adjustment.

**Item 32. *Location of Accounts and Records***

All accounts and records required to be maintained by Section 31(a) of the Investment Company Act of 1940 and the rules thereunder are maintained by Protective Life Insurance Company at 2801 Highway 280 South, Birmingham, Alabama 35223.

**Item 33. *Management Services***

All management contracts are discussed in the Prospectus or Statement of Additional Information.

**Item 34. *Fee Representation***

Protective Life Insurance Company represents that the fees and charges deducted under the Contract, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by Protective Life Insurance Company.

**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant has duly caused this Post-Effective Amendment to the Registration Statement on Form N-4 to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Birmingham, State of Alabama, on June 9, 2025.

---

| |
|:---|
| PLICO VARIABLE ANNUITY ACCOUNT S |
| By: \* |
| &nbsp;&nbsp;&nbsp;&nbsp;Richard J. Bielen, *President* |
| *Protective Life Insurance Company* |
| &nbsp;&nbsp;&nbsp;&nbsp;PROTECTIVE LIFE INSURANCE COMPANY |
| By: \* |
| &nbsp;&nbsp;&nbsp;&nbsp;Richard J. Bielen, *President* |
| *Protective Life Insurance Company* |

---

As required by the Securities Act of 1933, this Post-Effective Amendment to the Registration Statement on Form N-4 has been signed by the following persons in the capacities and on the dates indicated:

---

| | | | |
|:---|:---|:---|:---|
| **Signature** | **Signature** | **Title** | **Date** |
| \* | \* |  | \* |
| Richard J. Bielen | Richard J. Bielen | Chairman of the Board, President |  |
|  |  | Chief Executive Officer, and Director |  |
|  |  | (Principal Executive Officer) |  |
| \* | \* |  | \* |
| Wade V. Harrison | Wade V. Harrison | Executive Vice President, Chief Operating Officer, and Director |  |
| \* | \* |  | \* |
| Paul R. Wells | Paul R. Wells | Executive Vice President, Chief |  |
|  |  | Financial Officer, and Director |  |
|  |  | (Principal Financial and Accounting Officer) |  |
| \*BY: | /S/ BRANDON J. CAGE |  | June 9, 2025 |
| Brandon J. Cage | Brandon J. Cage |  |  |
| *Attorney-in-Fact* | *Attorney-in-Fact* |  |  |

---

**EXHIBIT INDEX** 

[(c) (2) (iii) Third Amended and Restated Distribution Agreement (PLICO-IDI)](tm2516259d1_ex99-xcx2xiii.htm)

[(d) (3) Contract Schedule for Individual Contracts (ICC25-VDA-P-2006SF-2)](tm2516259d1_ex99-xdx3.htm)

[(o) Form of Initial Summary Prospectuses](tm2516259d1_ex99-xo.htm)

## Ex-99.(C)(2)(Iii)

**Exhibit 99.(c)(2)(iii)**

**Third Amended and Restated**

<u>**DISTRIBUTION AGREEMENT**</u>

This **DISTRIBUTION AGREEMENT** originally dated as of September 21, 1998, and subsequently amended and restated, between **PROTECTIVE LIFE INSURANCE COMPANY** ("Insurer"), a life insurance company organized and existing under the laws of the State of Nebraska, on its behalf and on behalf of each separate account identified in <u>Schedule 1</u> hereto, and **INVESTMENT DISTRIBUTORS, INC.** ("Distributor"), a corporation organized and existing under the laws of the State of Tennessee, is entered into this 1<sup>st</sup> day of April 2025.

**WITNESSETH:**

WHEREAS, Distributor is a broker-dealer that engages in the distribution of investment products including variable insurance products;

WHEREAS, Insurer and Distributor entered into a principal underwriting agreement dated as of September 21, 1998 (the "Original Agreement"), which was amended and restated as of June 1, 2018 (the "Second Agreement") for the distribution of Insurer's insurance products that are registered with the Securities and Exchange Commission; and

WHEREAS, Insurer and Distributor desire to amend and restate in its entirety the Second Agreement, including all subsequent amendments, to clarify the duties and responsibilities of the parties and reflect Insurer's re-domestication to Nebraska (such Second Agreement, as amended and restated hereby, this "Agreement").

NOW, THEREFORE, in consideration of their mutual promises, Insurer and Distributor hereby agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Definitions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Contracts</u> - The class or classes of variable
and other insurance products issued by Insurer that are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) "securities" as defined in section 2(a)(1) of the 1933 Act and not otherwise exempted from
the provisions of the 1933 Act; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) set forth on Schedule I to this Agreement, and such other classes of insurance products issued by Insurer
that may be added to Schedule 1 from time to time in accordance with Section 12.b of this Agreement, including any riders or endorsements
to such products.

For this purpose and under this Agreement generally, a "class of Contracts" shall mean those Contracts issued by Insurer on the same policy form or forms and covered by the same Registration Statement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Registration Statement</u> - At any time that this
Agreement is in effect, the currently effective registration statement filed with the SEC under the 1933 Act on a prescribed form, or
currently effective post-effective amendment thereto, as

the case may be, relating to a class of Contracts, including financial statements included in, and all exhibits to, such registration statement or post-effective amendment. The term "Registration Statement," when it appears in singular form, shall refer to each Registration Statement for a class of Contracts under this Agreement. For purposes of Section 9 of this Agreement, the term "Registration Statement" means any document which is or at any time was a Registration Statement within the meaning of this Section l.b.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <u>Prospectus</u> - The prospectus included within a
Registration Statement, except that, if the most recently filed version of the prospectus (including any supplements thereto) filed pursuant
to Rule 497 or 424, as applicable, under the 1933 Act subsequent to the date on which a Registration Statement became effective differs
from the prospectus included within such Registration Statement at the time it became effective, the term "Prospectus" shall
refer to the most recently filed prospectus filed under Rule 497 or 424, as applicable, under the 1933 Act, from and after the date on
which it shall have been filed. The term "Prospectus," when it appears in singular form, shall refer to each Prospectus for
a class of Contracts under this Agreement. For purposes of Section 9 of this Agreement, the term "any Prospectus" means any
document which is or at any time was a Prospectus within the meaning of this Section l.c.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Separate Account</u> - A separate account supporting
a class or classes of Variable Contracts and specified on Schedule I as in effect at the time the Original Agreement was executed, or
as it has been and may be amended from time to time in accordance with Section 12.b of this Agreement. The term "Separate Account,"
when it appears in singular form, shall refer to each Separate Account listed on Schedule I.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>1933 Act</u> - The Securities Act of 1933, as amended.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>1934 Act</u> - The Securities Exchange Act of 1934, as amended.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. <u>1940 Act</u> - The Investment Company Act of 1940, as amended.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>SEC</u> -
The Securities and Exchange Commission.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. <u>FINRA-</u> The Financial Industry Regulatory Authority, Inc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. <u>FINRA Rules</u> -
The rules adopted by FINRA, including supplementary material thereto and interpretations thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. <u>State Insurance Commission</u> -A commission, agency
or other governmental body charged by the legislature of a state or commonwealth of the United States or the District of Columbia with
the regulation of insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. <u>State Securities Commission</u> -A
commission, agency or other governmental

body charged by the legislature of a state or commonwealth of the United States or the District of Columbia with the regulation of securities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. <u>Regulations</u> -
The rules and regulations promulgated by the SEC under the 1933 Act, the 1934 Act and the 1940 Act
as in effect at the time this Agreement is executed or thereafter promulgated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. <u>Selling Agreement</u> - An agreement among Insurer,
Distributor and Selling Broker-Dealer pursuant to which Selling Broker-Dealer is authorized to engage in retail solicitation activities
with respect to the offering of the Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. <u>Selling Broker-Dealer</u> -A person registered as a
broker-dealer and licensed as an insurance producer or associated with a person so licensed and authorized to engage in retail solicitation
activities with respect to the offering of the Contracts pursuant to a Selling Agreement as provided for in Section 2 of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. <u>Wholesaling Agreement</u> - An agreement among Insurer,
Distributor and Wholesaling Broker-Dealer pursuant to which Wholesaling Broker-Dealer is authorized to engage in wholesaling activities
with respect to the offering of the Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. <u>Wholesaling Broker-Dealer</u> - A person registered
as a broker-dealer and licensed as a life insurance producer or associated with a person so licensed and authorized to engage in wholesaling
activities with respect to the offering of the Contracts pursuant to a Wholesaling Agreement as provided for in Section 2 of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. <u>Representative</u> - When used with
reference to Distributor, Selling Broker-Dealer or Wholesaling Broker-Dealer, an individual who is an associated person thereof, as the
term "person associated with a broker or dealer" is defined in the 1934 Act.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;t. <u>Contract Service Center</u> - The service center identified
in the Prospectus as the location at which premiums, applications and other orders and instructions for the Contracts are accepted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;u. <u>State</u> - A state, commonwealth or other jurisdiction
or territory of the United States, including the District of Columbia.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. <u>Variable Contracts</u> - Contracts
that are variable annuity contracts or variable life insurance contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;w. <u>Director</u> - Director of Insurance
of the State of Nebraska.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Authorization and Appointment</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Scope of Authority.</u> Insurer hereby authorizes
Distributor to serve as non-exclusive principal underwriter and distributor on an agency basis for the public offering of the Contracts,
and Distributor hereby agrees to act as such. Insurer reserves the right

to appoint additional underwriters. Distributor shall actively engage in its duties under this Agreement on a continuous basis while the Registration Statement for the Contracts is effective, consistent with its business and subject to applicable material market and regulatory conditions and any other restrictions that may become applicable to its activities. Insurer reserves the right at any time to suspend or limit the public offering of the Contracts, upon written notice to Distributor. Distributor shall provide distribution services that include (a) entering into written contracts with other broker dealers to engage in wholesaling and/or retail solicitation activities for the public offering of the Contracts, and; (b) providing information and marketing the Contracts to Wholesaling Broker-Dealers and Selling Broker-Dealers subject to such instructions or guidelines as may be specified by Insurer from time to time, and subject to applicable laws, rules and regulations. It is understood that the Distributor has no present intention of engaging in solicitation activities for the Contracts on a retail basis.

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| | |
|:---|:---|
| b | <u>Authorization of Selling Broker-Dealers</u>. Distributor will authorize Selling Broker-Dealers to solicit applications and premiums for the Contracts on a retail basis directly from purchasers who are their customers, subject to the provisions of this Agreement. Such authority shall be granted pursuant to Selling Agreements in the form attached hereto, with such modifications as Insurer and Distributor may agree upon from time to time. Distributor may also provide information and market Contracts to Selling Broker-Dealers. Insurer alone shall be responsible for appointing Selling Broker-Dealers and all Representatives of Selling Broker-Dealers selling the Contracts on their behalf as producers of Insurer in accordance with applicable State insurance law and for communicating to all Selling Broker-Dealers and their personnel, all policies and procedures applicable to them as such appointed producers of Insurer. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <u>Authorization of Wholesaling Broker-Dealers</u>. Insurer
and Distributor may authorize one or more Wholesaling Broker-Dealers to engage in wholesaling activities on their behalf for the purpose
of soliciting broker-dealers to enter into Selling Agreements and supporting Selling Broker-Dealers and their Representatives in connection
with the retail solicitation of the Contracts. Distributor may provide information and market Contracts to any Wholesaling Broker-Dealer.
Insurer alone shall be responsible for appointing Wholesaling Broker-Dealer and its Representatives as producers of Insurer in accordance
with applicable State insurance law and for communicating to Wholesaling Broker-Dealer and its Representatives, all policies and procedures
applicable to them as such appointed producers of Insurer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Limits on Authority.</u> Distributor shall act as an independent contractor and
nothing herein contained shall constitute Distributor or its agents, officers or employees as agents, officers or employees of Insurer
solely by virtue of their activities in connection with the distribution of the Contracts hereunder. Distributor and its Representatives
shall not have authority, on behalf of Insurer: to make, alter or discharge any Contract or other insurance policy or annuity contract
entered into pursuant to a Contract; to waive any Contract forfeiture provision; to extend the time of paying any premium; or to receive
any monies or premiums (except for the sole purpose of forwarding monies or premiums to Insurer). Distributor shall not expend, nor contract
for the expenditure of, the funds of Insurer. Distributor shall not possess or exercise any authority on behalf of Insurer other than
that expressly conferred on Distributor by this Agreement. Neither Distributor nor any Distributor Representative shall give any information
or make any representation in regard to the Contracts in connection with the offer or sale of such Contracts that is not in

accordance with the Prospectus or statement of additional information for such Contracts, or in the then-currently effective prospectus or statement of additional information for an investment vehicle for the Contracts, or in current advertising materials for such class of Contracts authorized by Insurer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Collection of Premiums.</u> Given the scope of Distributor's
activities hereunder, it is not anticipated that Distributor would collect or receive premiums for the Contracts. However, to the extent
that Distributor or its Representative receives a premium, such premium shall be remitted promptly, and in any event not later than as
permitted under applicable SEC and FINRA rules and interpretations, together with any applications, forms and any other required documentation,
to the Contract Service Center. Checks or money orders in payment of premiums shall be drawn to the order of "Protective Life Insurance
Company." If any premium is held at any time by Distributor, Distributor shall hold such premium in a fiduciary capacity until remitted.
Distributor acknowledges that all such premiums, whether by check, money order or wire, shall be the property of Insurer. Distributor
acknowledges that Insurer shall have the unconditional right to reject, in whole or in part, any application or premium.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Distributor's Representations. Warranties and Undertakings.</u> Distributor represents and warrants to Insurer that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Distributor is registered as a broker-dealer under the 1934 Act, is a member of FINRA, and is duly
registered under applicable State securities laws, and that Distributor is in compliance in all material respects with the requirements
of the 1934 Act, Section 9(a) of the 1940 Act, FINRA Rules and State securities laws applicable to Distributor as a registered broker-dealer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Any Distributor Representatives required to be registered with FINRA and any State Securities Commission
as representatives or principals of Distributor are so registered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Distributor shall continue to comply, and shall undertake to cause its Representatives to comply, in
all material respects, during the term of this Agreement, with applicable requirements of the 1934 Act, Section 9(a) of the 1940 Act,
FINRA Rules, and any State securities laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Insurer's Representations and Warranties Regarding SEC Filings.</u> Insurer represents and warrants to Distributor on the date that each Registration Statement becomes effective that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>SEC Filings.</u> Insurer has filed with the SEC all
statements, notices, and other documents required for registration of the Contracts covered by such Registration Statement under the provisions
of the 1933 Act and Regulations thereunder, and, if such Registration Statement covers Variable Contracts, registration of the related
Separate Account under the provisions of the 1940 Act and Regulations thereunder, and has obtained all necessary or customary orders of
exemption or approval from the SEC to permit the distribution of the Contracts pursuant to this Agreement and, if such Registration Statement
covers Variable Contracts, to permit the establishment and operation of the related Separate Account as contemplated in such Registration
Statement and in conformity with the 1940 Act and Regulations thereunder, which orders, to the extent required, apply to Distributor,
as principal underwriter for the public offering of the Contracts and for the Separate Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Effectiveness</u>. Such Registration Statement has
been declared effective by the SEC or has become effective in accordance with applicable Regulations. Insurer has not received any notice
from the SEC with respect to such Registration Statement pursuant to Section 8(e) of the 1940 Act, and no stop order under the 1933 Act
has been issued, and no proceeding therefor has been instituted or threatened by the SEC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <u>Compliance with 1933 Act and 1940 Act.</u> Such Registration
Statement and related Prospectus comply in all material respects with applicable provisions of the 1933 Act and Regulations thereunder
and, if such Registration Statement covers Variable Contracts, also comply in all material respects with applicable provisions of the
1940 Act and Regulations thereunder, and neither such Registration Statement nor Prospectus contains an untrue statement of a material
fact or omits to state a material fact required to be stated therein or necessary to make the statements therein not misleading, in light
of the circumstances in which they were made; provided, however, that none of the representations and warranties in this Section 4.c shall
apply to statements or omissions from such Registration Statement or Prospectus made in reliance upon and in conformity with information
furnished to Insurer in writing by Distributor expressly for use therein.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Contracts Duly Authorized.</u> The Contracts covered
by such Registration Statement have been duly authorized by Insurer and conform to the descriptions thereof in such Registration Statement
and related Prospectus and, when issued as contemplated by such Registration Statement and related Prospectus, shall constitute legal,
validly issued and binding obligations of Insurer in accordance with their terms. The form of the Contracts and, where applicable, the
Separate Account have each been duly approved to the extent required by the Nebraska insurance commission and by the State Insurance Commission
in every other State other than New York, or otherwise have been cleared for the issuance of the Contracts in such State.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Separate Account.</u> If such Registration Statement covers Variable Contracts,
the related Separate Account has been duly established by Insurer and conforms to the description thereof in the Registration Statement
and related Prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Tax Compliance.</u> The Contracts qualify as annuity
contracts or life insurance contracts, as applicable, under applicable federal tax laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Duly Authorized.</u> Insurer is duly organized as a life
insurance company under the laws of the State of Nebraska and is duly authorized to conduct a life insurance business in all States in
which the Contracts may be offered.

5. <u>Insurer's Undertakings.</u> For so long as the Contracts are being offered and remain
outstanding, Insurer undertakes as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Securities Law Compliance.</u> Insurer shall be responsible
for preparing the Prospectuses and Registration Statements for each class of Contracts and filing them with the SEC and State Securities
Commissions, to the extent required. Insurer shall use its best efforts to maintain the registration of the Contracts and, in the case
of Variable Contracts, the related Separate Accounts with the SEC and any applicable State Securities Commission, such efforts to include,
without limitation, best efforts to prevent a stop order from being issued by the SEC or any such State Securities Commission or, if a
stop order has been issued, to cause such stop order to be withdrawn. In the case of Variable Contracts, Insurer shall take all action
required to cause the related Separate Accounts to continue

to comply, in all material respects, with the provisions of the 1940 Act and regulations and exemptions thereunder applicable to the Separate Accounts as a registered investment company under the 1940 Act. Insurer shall not deduct any amounts from the assets of any Separate Account, enter into a transaction or arrangement involving the Variable Contracts or the related Separate Account, or cause any Separate Account to enter into any such transaction or arrangement, without obtaining any necessary or customary approvals or exemptions from the SEC or no-action assurance from the SEC staff, and without ensuring that such approval, exemption or assurance applies to Distributor as the principal underwriter for such Separate Account and Contracts. Insurer shall timely file each post-effective amendment to a Registration Statement, Prospectus, statement of additional information, Rule 24f-2 notice, annual report on Form N-CEN, and all other reports, notices, statements, and amendments required to be filed by or for Insurer and/or a Separate Account with the SEC under the 1933 Act, the 1934 Act and/or the 1940 Act or any Regulations, and shall pay all filing or registration fees payable in connection therewith. To the extent there occurs an event or development (including, without limitation, a change of applicable law, regulation or administrative interpretation) warranting an amendment to either the Registration Statement or supplement to the Prospectus, Insurer shall endeavor to prepare, subject to Distributor's right to review such material provided in Section 6(b), and file such amendment or supplement with the SEC with all deliberate speed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Provision of Copies.</u> Distributor shall have the
right to review any Registration Statement or Prospectus. Upon Distributor's request, Insurer shall provide Distributor with a preliminary
draft of any exemptive application or no-action request to be filed with the SEC in connection with the Contracts and/or, in the case
of Variable Contracts, the related Separate Account. Insurer shall furnish Distributor with copies of any such material or amendment thereto,
as filed with the SEC, promptly after the filing thereof, and any SEC communication or order with respect thereto, promptly after receipt
thereof. Insurer shall maintain and keep on file in its principal executive office any file memoranda or any supplemental materials referred
to in any such Registration Statement, Prospectus, exemptive application and no-action request and shall, as necessary, amend such memoranda
or materials and shall provide or otherwise make available copies of such memoranda and materials to Distributor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <u>Due Diligence.</u> Insurer shall provide Distributor
access to such records, officers and employees of Insurer at reasonable times as is necessary to enable Distributor to fulfill its obligation,
as the underwriter under the 1933 Act for the Contracts and, in the case of Variable Contracts, as principal underwriter for the related
Separate Account under the 1940 Act, to perform due diligence and to use reasonable care.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>State Insurance Law Compliance.</u> Insurer shall
be responsible for preparing the Contract forms and filing them with applicable State Insurance Commissions, to the extent required. Insurer
shall obtain and maintain approvals of the Contracts and the Separate Account (including for purposes of this Section 6.d only any separate
account established with respect to Contracts that are not Variable Contracts) from State Insurance Commissions, to the extent required,
in order to carry out the offering of the Contracts in all States other than New York. Insurer shall take all action required to cause
the Contracts to continue to comply, in all material respects, as annuity contracts or life insurance contracts, as applicable, under
applicable State insurance laws. Insurer shall file promotional, sales and advertising material for the Contracts and Separate

Account, to the extent required, with State Insurance Commissions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Federal Tax Law Compliance.</u> Insurer shall take all action required to cause the Contracts to continue to comply, in all material respects, as annuity contracts or
life insurance contracts, as applicable, under applicable federal tax laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Issuance and Administration of Contracts.</u> Insurer
shall be responsible for issuing the Contracts and administering the Contracts and the Separate Accounts, provided, however, that Distributor
shall have full responsibility for the securities activities of all persons employed by Insurer, who are engaged directly or indirectly
in the Contract operations and are identified as associated persons of Distributor, and shall have full responsibility for the training,
supervision and control of such persons to the extent of such activities if and as required by applicable FINRA rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Marketing Materials.</u> Insurer shall be responsible
for furnishing Distributor, Wholesaling Broker-Dealers and Selling Broker-Dealers with such applications, Prospectuses and other materials
for use in their activities with respect to the Contracts. Insurer shall notify Distributor and any Selling Broker-Dealers of those States
which require delivery of a statement of additional information with a prospectus to a prospective purchaser.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. <u>Confirmations</u>. Insurer, as agent for Selling Broker-Dealers,
shall confirm to each applicant for and purchaser of a Contract in accordance with Rule 10b-10 under the 1934 Act acceptance of premiums
and such other transactions as are required to be confirmed by Rule 10b-10 or administrative interpretations thereunder.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. <u>Books and Records.</u> Insurer shall maintain and preserve
the books and records developed or maintained in connection with this Agreement as is required by applicable laws and regulations. Insurer
acknowledges and agrees that all such books and records shall be subject to the control of the Insurer and are maintained and held by
Insurer on behalf of, and for purposes of applicable federal securities laws, as agent for Distributor, and shall be the property of Insurer
and Distributor through joint ownership, and subject to the right of authorized representatives of the SEC and FINRA to inspect such books
and records.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. <u>Oversight.</u> Insurer shall maintain oversight
for the services provided to the Insurer by the Distributor under this Agreement and monitor such no less than annually for quality
assurance; provided, however, Insurer shall not be responsible for maintaining oversight for functions of Distributor's business
that are required to be overseen by the Distributor as required by applicable laws and regulations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Other Obligations of the Parties</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Anti-Money Laundering.</u> The Parties shall comply
with applicable anti-money laundering laws, regulations, rules and government guidance, including the reporting, record keeping and compliance
requirements of the Bank Secrecy Act ("BSA"), as amended by The International Money Laundering Abatement and Financial Anti-Terrorism
Act of 2002, Title III of the USA PATRIOT Act (the "Patriot Act"), its implementing regulations, and related SEC rules, including
without limitations, Customer Identification Program ("CIP") rules. Further, the parties shall comply with the economic sanctions
programs administered by the

U.S. Treasury Department's Office of Foreign Assets Control ("OFAC"). To the extent required by applicable law, the Parties will promptly notify one another whenever suspicious activity or OFAC matches are detected.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Trading Practices.</u> Each party represents that it has and maintains
 an internal control structure for the processing and transmission of orders suitably designed (a) to prevent orders
 received after the close of trading on the New York Stock Exchange from being aggregated
 with orders received before such close of trading and (b) to minimize errors that could result
 in late transmission of orders to Insurer. The Parties further represent, warrant, and covenant
 that they have adopted reasonable procedures to prevent customers from providing false or
 otherwise inaccurate information with respect to the source of the trading activity for any
 customer account or engaging in market timing activity in any account.

The Parties shall cooperate with one another to reject future purchases by customers who engage in any of the trading activities described in this paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <u>Privacy.</u> The Parties each affirm that they have
procedures in place reasonably designed to protect the privacy of non-public customer information and will maintain such information they
acquire pursuant to this Agreement in confidence and in accordance with all applicable privacy laws. "Confidential Information"
includes, by way of example and not limitation, all client-related information (including the names, addresses, telephone numbers, social
security numbers and account numbers of such referred clients, as well as non-public personal information of such clients) that the Parties
receive. Notwithstanding the foregoing, each party shall have the right to use or disclose Confidential Information: (i) to the full extent
required to comply with applicable laws or requests of regulators; (ii) as necessary in connection with the party's audit, legal, compliance
or accounting procedures; (iii) as necessary or permitted by applicable laws in the ordinary course of business under this Agreement;
(iv) as authorized by a customer; and (v) to protect against or prevent fraud. Confidential Information does not include (i) information
which is now generally available in the public domain or which in the future enters the public domain through no fault of the receiving
party; (ii) information that is disclosed to the receiving party by a third party without violation by such third party of an independent
obligation of confidentiality of which the receiving party is aware; or (iii) information that the disclosing party consents in writing
that the receiving party may disclose.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Receivership.</u> The Parties agree that if Insurer is placed into receivership or seized by the
Director under the Nebraska Insurers Supervision, Rehabilitation, and Liquidation Act: (a) all of the rights of Insurer under the Agreement
extend to the receiver or the Director; (b) all books and records will immediately be made available to the receiver or the Director immediately
upon the receiver's or the Director's request; and (c) the Distributor will continue to maintain any applicable systems, programs,
or other infrastructure notwithstanding a seizure by the Director under the Nebraska Insurers Supervision, Rehabilitation, and Liquidation
Act, and will make them available to the receiver, for so long as the Director continues to receive timely payment for services rendered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The Distributor acknowledges and agrees that all funds and invested assets of Insurer are the exclusive
property of Insurer, held for the benefit of Insurer and are subject to the

control of Insurer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Notification of Contractholder Complaints and Developments</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Contractholder Complaints.</u> Insurer and Distributor
shall notify the other promptly of any substantive complaint received by either party with respect to Insurer, Distributor, any Distributor
Representative, or employee or with respect to any Contract. The parties hereto shall cooperate in investigating such complaint and any
response by either party to such complaint shall be sent to the other party for written approval not less than five business days prior
to its being sent to the customer or any regulatory authority, except that if a more prompt response is required, the proposed response
shall be communicated by telephone or facsimile. In any event, neither party shall release any such response without the other party's
prior written approval.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Developments.</u> Insurer and Distributor shall notify
the other upon the happening of any material event, if known by such notifying party, which makes untrue any material statement made in
the Registration Statement or Prospectus or which requires the making of a change therein in order to make any statement made therein
not materially misleading. In addition, Insurer shall notify Distributor immediately or in any event as soon as possible under the circumstances
of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) If Insurer becomes aware that any Prospectus, sales literature
or other printed matter or material used in marketing and distributing any Contract contains an untrue statement of a material fact or
omits to state a material fact necessary in order to make the statements made therein, in light of the circumstances in which they were
made, not misleading;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Of any request by the SEC for any amendment to a Registration Statement, for any supplement to the Prospectus,
or for additional information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) Of the issuance by the SEC of any "stop order" with respect to a Registration Statement or
any amendment thereto, or the initiation of any proceedings for that purpose or for any other purpose relating to the registration and/or
offering of the Contracts;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) Of any event of the Contracts' or a Separate Account's noncompliance with the applicable requirements
of federal tax law or regulations, rulings, or interpretations thereunder that could jeopardize the Contracts' status as annuity or life
insurance contracts, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) Of any change in applicable insurance laws or regulations of any State materially adversely affecting
the insurance status of the Contracts or Distributor's obligations with respect to the distribution of the Contracts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) Of any loss or suspension of the approval of the Contracts or distribution thereof by a State Securities
Commission or State Insurance Commission, any loss or suspension of Insurer's certificate of authority to do business or to issue variable
insurance products in any State, or of the lapse or termination of the Contracts' or a Separate Account's registration, approval or clearance
in any

State.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <u>Regulatory Actions.</u> Insurer and Distributor shall
notify the other in writing upon being apprised of the institution of any proceeding, investigation or hearing involving the offer or
sale of the Contracts. Distributor and Insurer shall cooperate fully in any securities or insurance regulatory investigation or proceeding
or judicial proceeding arising in connection with the offering, sale or distribution of the Contracts distributed under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Compensation and Expenses</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. As provided in the Management and Administrative Services Agreement between the Parties as
amended November 1, 2013, and as may be further amended from time to time, Insurer shall provide management and administrative services
as reasonably necessary with respect to the business of Distributor as principal underwriter and distributor of the Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Insurer shall pay to Distributor a fee for its services under this Agreement, payable quarterly on the first business day of each
calendar quarter. The fee shall take into account Distributor's actual expenses incurred in connection with its services as underwriter
and distributor of the Contracts, including but not limited to FINRA membership fees, costs associated with maintaining registrations
for Distributor's associated persons, any management and administration services fees it pays to Insurer and expenses associated
with the provision of services by third-parties. The fee shall be allocated in conformity with customary insurance accounting practices
consistently applied and reviewed periodically to ensure reasonableness in light of the factors on which it is based.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Insurer shall pay compensation to Distributor for the distribution services it provides to Selling Broker-Dealers and Wholesaling
Broker-Dealers hereunder.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Insurer shall pay compensation payable under the Wholesaling Agreements and Selling Agreements directly to Wholesaling Broker-Dealers
and Selling Broker-Dealers, respectively, on behalf of Distributors, as a purely ministerial service and shall maintain records in respect
thereof for Distributor in compliance with applicable requirements under the 1934 Act and that such compensation shall be reflected in
Distributor's financial reports as required by applicable law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Insurer shall not advance funds to Distributor except to pay for services described herein.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Insurer shall be responsible for all expenses that relate to the preparation and filing of the Contracts, Registration Statements,
and promotional, sales and advertising materials.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Indemnification</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>By Insurer.</u> Insurer shall indemnify and hold harmless
Distributor and any of its officers, directors, employees or agents, against any and all losses, claims, damages or liabilities, joint
or several (including any investigative, legal and other expenses reasonably incurred in connection with, and any amounts paid in settlement
of, any action, suit or proceeding or any claim asserted), to which Distributor and/or any such person may become subject,

under any statute or regulation, any FINRA Rule or interpretation, at common law or otherwise, insofar as such losses, claims, damages or liabilities:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of a material fact
or omission or alleged omission to state a material fact required to be stated therein or necessary to make the statements therein not
misleading, in light of the circumstances in which they were made, contained in any (i) Registration Statement or in any Prospectus or
(ii) blue-sky application or other document executed by Insurer specifically for the purpose of qualifying any or all of the Contracts
for sale under the securities laws of any State; provided that Insurer shall not be liable in any such case to the extent that such loss,
claim, damage or liability arises out of, or is based upon, an untrue statement or alleged untrue statement or omission or alleged omission
made in reliance upon information furnished in writing to Insurer by

Distributor specifically for use in the preparation of any such Registration Statement or any such blue-sky application or any amendment thereof or supplement thereto; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) result from any material breach by Insurer of any provision of this Agreement.

This indemnification agreement shall be in addition to any liability that Insurer may otherwise have; provided, however, that no person shall be entitled to indemnification pursuant to this provision if such loss, claim, damage or liability is due to the willful misfeasance, bad faith, gross negligence or reckless disregard of duty by the person seeking indemnification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>By Distributor.</u> Distributor shall indemnify and
hold harmless Insurer and any of its officers, directors, employees or agents, against any and all losses, claims, damages or liabilities,
joint or several (including any investigative, legal and other expenses reasonably incurred in connection with, and any amounts paid in
settlement of, any action, suit or proceeding or any claim asserted), to which Insurer and/or any such person may become subject under
any statute or regulation, any FINRA Rule or interpretation, at common law or otherwise, insofar as such losses, claims, damages or liabilities:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) arise out of or are based upon any untrue statement or alleged untrue statement of a material fact or
omission or alleged omission to state a material fact required to be stated therein or necessary in order to make the statements therein
not misleading, in light of the circumstances in which they were made, contained in any (i) Registration Statement or in any Prospectus,
or (ii) blue-sky application or other document executed by Insurer specifically for the purpose of qualifying any or all of the Contracts
for sale under the securities laws of any State; in each case to the extent, but only to the extent, that such untrue statement or alleged
untrue statement or omission or alleged omission was made in reliance upon information furnished in writing by Distributor to Insurer
specifically for use in the preparation of any such Registration Statement or any such blue-sky application or any amendment thereof or
supplement thereto;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) result because of any use by Distributor or any Distributor Representative of promotional, sales or
advertising material not authorized by Insurer or any verbal or written misrepresentations by Distributor or any Distributor Representative
or any unlawful sales practices concerning the Contracts by Distributor or any Distributor Representative under federal securities laws
or FINRA Rules; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) result from any material breach by Distributor of any provision of this

Agreement.

This indemnification shall be in addition to any liability that Distributor may otherwise have; provided, however, that no person shall be entitled to indemnification pursuant to this provision if such loss, claim, damage or liability is due to the willful misfeasance, bad faith, gross negligence or reckless disregard of duty by the person seeking indemnification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <u>General.</u> Promptly after receipt by a party entitled
to indemnification ("indemnified person") under this Section 9 of notice of the commencement of any action as to which a claim
will be made against any person obligated to provide indemnification under this Section 9 ("indemnifying party"), such indemnified
person shall notify the indemnifying party in writing of the commencement thereof as soon as practicable thereafter, but failure to so
notify the indemnifying party shall not relieve the indemnifying party from any liability which it may have to the indemnified person
otherwise than on account of this Section 9. The indemnifying party will be entitled to participate in the defense of the indemnified
person, but such participation will not relieve such indemnifying party of the obligation to reimburse the indemnified person for reasonable
legal and other expenses incurred by such indemnified person in defending himself or itself.

The indemnification provisions contained in this Section 9 shall remain operative in full force and effect, regardless of any termination of this Agreement. A successor by law of Distributor or Insurer, as the case may be, shall be entitled to the benefits of the indemnification provisions contained in this Section 9.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Term and Termination.</u> This Agreement shall remain
in effect until it is terminated. This Agreement shall terminate automatically if it is assigned by a party without the prior written
consent of the other party. This Agreement may be terminated at any time for any reason by either party upon six months' prior written
notice to the other party, without payment of any penalty. (The term "assigned" shall not include any transaction not involving
an actual change in management or control.) This Agreement may be terminated at the option of either party to this Agreement upon the
other party's material breach of any provision of this Agreement or of any representation or warranty made in this Agreement, unless such
breach has been cured within 10 days after receipt by the breaching party of notice of breach from the non-breaching party. Distributor
has no automatic right to terminate this Agreement if Insurer is placed into receivership pursuant to the Nebraska Insurers Supervision,
Rehabilitations, and Liquidation Act. Upon termination of this Agreement all authorizations, rights and obligations shall cease except
the obligation to settle accounts hereunder.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Notices.</u> All notices hereunder are to be made
in writing and shall be given: if to

Insurer, to:

Vice President and Managing Director, Annuities

Protective Life Insurance Company 2801

Highway 280 South

Birmingham, AL 35223

With a copy to:

Senior Counsel - Variable Insurance Products

Protective Life Corporation

2801 Highway 280 South

Birmingham, AL 35223

If to Distributor, to:

President

Investment Distributors, Inc.

2801 Highway 280 South

Birmingham, AL 35223

With a copy to:

Senior Counsel - Variable Insurance Products

Protective Life Corporation

2801 Highway 280 South

Birmingham, AL 35223

or such other address as such party may hereafter specify in writing. Each such notice to a party shall be either hand delivered or transmitted by overnight mail by a nationally recognized courier and shall be effective upon delivery.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>General</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Binding Effect.</u> This Agreement shall be binding on and shall inure to the benefit of the respective
 successors and assigns of the Parties hereto provided that neither party shall assign this
 Agreement or any rights or obligations hereunder without the prior written consent of the
 other party in accordance with Section 10 of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Amendments.</u> The Parties to this Agreement may
amend Schedule 1 to this Agreement from time to time to reflect additions of any class of Contracts and any Separate Accounts. The provisions
of this Agreement shall be equally applicable to each such class of Contracts and each Separate Account that may be added to the Schedule
and the related Registration Statement and Prospectus unless the context otherwise requires. Any other change in the terms or provisions
of this Agreement shall be by written agreement between Insurer and Distributor.

---

| | |
|:---|:---|
| c. | <u>Rights, Remedies, etc., are Cumulative.</u> The rights, remedies, and obligations |
|  | contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the Parties hereto are entitled to under State and federal laws. Failure of either party to insist upon strict compliance with any of the conditions of this Agreement shall not be construed as a waiver of any of the conditions, but the same shall remain in full force and effect. No waiver of any of the provisions of this Agreement shall be deemed, or shall constitute, a waiver of any other provisions, whether or not similar, nor shall any waiver constitute a continuing waiver. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Arbitration.</u> Any controversy or claim arising
out of relating to this Agreement, or the breach hereof, shall be settled by arbitration in accordance with the Commercial Arbitration
Rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having
jurisdiction thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Interpretation; Jurisdiction.</u> This Agreement
constitutes the whole agreement between the Parties hereto with respect to the subject matter hereof, and supersedes all prior oral or
written understandings, agreements, or negotiations between the Parties with respect to such subject matter. No prior writings by or between
the Parties with respect to the subject matter hereof shall be used by either party in connection with the interpretation of any provision
of this Agreement, provided, however, that (i) the terms of the Original Agreement shall govern any dispute pertaining to an event that
occurred prior to the effective date of the Second Agreement; and (ii) the terms of the Second Agreement shall govern any dispute pertaining
to an event that occurred prior to the effective date of this Agreement. This Agreement shall be construed, and its provisions interpreted
under and in accordance with the internal laws of the State of Nebraska without giving effect to principles of conflict of laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Severability</u>. This is a severable Agreement. In
the event that any provision of this Agreement would require a party to take action prohibited by applicable federal or State law or prohibit
a party from taking action required by applicable federal or State law, then it is the intention of the Parties hereto that such provision
shall be enforced to the extent permitted under the law, and, in any event, that all other provisions of this Agreement shall remain valid
and duly enforceable as if the provision at issue had never been a part hereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Section and Other Headings; Plurality.</u> The headings
in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise
affect their construction or effect. Unless otherwise indicated, terms used in the singular form shall include the plural form and vice
versa.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. <u>Counterparts.</u> This Agreement may be executed in
two or more counterparts, each of which taken together shall constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. <u>Regulation.</u> This Agreement shall be subject to the provisions of the 1933 Act,
1934 Act and 1940 Act and FINRA Rules, from time to time in effect, including such exemptions from the 1940 Act as the SEC may grant,
and the terms hereof shall be interpreted and construed in accordance therewith.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed by such authorized officers on the date specified above.

**INSURER:**

PROTECTIVE LIFE INSURANCE COMPANY

2801 Highway 280 South

Birmingham, AL 35223

---

| | | | |
|:---|:---|:---|:---|
| **By:** | /s/ Aaron Seurkamp | **Date:** | April 1, 2025 |

---

---

| | |
|:---|:---|
| **Print Name:** | **Aaron Seurkamp** |

---

**DISTRIBUTOR:**

INVESTMENT DISTRIBUTORS, INC.

2801 Highway 280 South

Birmingham, AL 35223

---

| | | | |
|:---|:---|:---|:---|
| **By:** | /s/ James Wagner | **Date:** | April 1, 2025 |

---

---

| | |
|:---|:---|
| **Print Name:** | **Jim Wagner** |

---

<u>**SCHEDULE 1**</u>

<u>**SEPARATE ACCOUNTS AND CONTRACTS**</u> 

**<u>COVERED BY AGREEMENT</u>**

<u>**Revised January 1, 2025**</u>

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Separate Accounts** | &nbsp;&nbsp;**Registered Products** |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;ProtectiveAccess<sup>®</sup> Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;ProtectiveAccess<sup>®</sup> XL Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Aspirations Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Dimensions Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Dimensions II Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Dimensions III Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Dimensions IV Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Dimensions V Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Elements<sup>®</sup> Access Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Elements<sup>®</sup> Classic Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Elements<sup>®</sup> Plus Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Variable Annuity Investors Series |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Variable Annuity Investors Series- ADV |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;MileageCredit Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Investors Benefit Advisory Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Advantage<sup>℠</sup> Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;The Protective<sup>®</sup> Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Variable Annuity B, C, & L Series |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Variable Annuity II |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Variable Annuity II B Series |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;ProtectiveRewards<sup>®</sup> II "fka: ProtectiveRewards<sup>®</sup> BշA<sup>℠</sup>" |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;ProtectiveRewards<sup>®</sup> Elite Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;ProtectiveValues<sup>®</sup> Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;ProtectiveValues<sup>®</sup> Access Variable Annuity |
| &nbsp;&nbsp;**Protective Variable Annuity Separate Account** | &nbsp;&nbsp;ProtectiveValues<sup>®</sup> Advantage Variable Annuity |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Premiere Executive |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Investors Choice VUL |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Investors Benefit Advisory VUL |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Premiere I |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Premiere Provider |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Premiere Protector |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Premiere II |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Premiere II (2003) |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Premiere III |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Preserver |
| &nbsp;&nbsp; **Protective Variable Life Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> Preserver II |

---

---

| | |
|:---|:---|
|  | &nbsp;&nbsp;Protective<sup>®</sup> Single Premium Plus |
|  | &nbsp;&nbsp;Protective<sup>®</sup> Strategic Objectives VUL |
|  | &nbsp;&nbsp;Protective<sup>®</sup> Strategic Objectives II VUL |
|  | &nbsp;&nbsp;Protective<sup>®</sup> Premiere Survivor |
|  | &nbsp;&nbsp;Transitions |
| &nbsp;&nbsp;**PLICO Variable Annuity Account S** | &nbsp;&nbsp;Schwab Genesis Advisory Variable AnnuityÔ |
| &nbsp;&nbsp;**PLICO Variable Annuity Account S** | &nbsp;&nbsp;Schwab Genesis Variable AnnuityÔ |
| &nbsp;&nbsp;**Protective COLI VUL** | &nbsp;&nbsp;Protective<sup>®</sup> Executive Benefits Registered VUL |
| &nbsp;&nbsp;**First Variable Annuity Fund A** | &nbsp;&nbsp;Individual Variable Annuity Policies |
| &nbsp;&nbsp;**First Variable Annuity Fund E** | &nbsp;&nbsp;Capital Five Variable Annuity |
| &nbsp;&nbsp;**First Variable Annuity Fund E** | &nbsp;&nbsp;Capital No Load Variable Annuity |
| &nbsp;&nbsp;**First Variable Annuity Fund E** | &nbsp;&nbsp;Capital Six Load Variable Annuity |
| &nbsp;&nbsp;**Separate Account VL of <br> First Variable Life Insurance Company** | &nbsp;&nbsp;Capital Estate Builder Variable Universal Life |
| &nbsp;&nbsp;**Separate Account VL of <br> First Variable Life Insurance Company** | &nbsp;&nbsp;Capital One Pay Variable Life |
| &nbsp;&nbsp;**Separate Account VL of <br> First Variable Life Insurance Company** | &nbsp;&nbsp;Capital Solutions Variable Universal Life |
| &nbsp;&nbsp;**Protective Acquired Variable Annuity <br> Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> FI Variable Annuity |
| &nbsp;&nbsp;**Protective Acquired Variable Annuity <br> Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> RSG Advantage III |
| &nbsp;&nbsp;**Protective Acquired Variable Annuity <br> Separate Account** | &nbsp;&nbsp;Protective<sup>®</sup> RSG Preferred Plus |
| &nbsp;&nbsp;**United Investors Universal Life Variable Account** | &nbsp;&nbsp;Protective<sup>®</sup> Advantage Plus<sup>℠</sup> Variable Life |
| &nbsp;&nbsp;**United Investors Advantage Gold Variable Account** | &nbsp;&nbsp;Protective<sup>®</sup> Advantage Gold<sup>℠</sup> Variable Annuity |
| &nbsp;&nbsp;**Titanium Universal Life Variable Account** | &nbsp;&nbsp;Protective<sup>®</sup> Titanium Investor<sup>℠</sup> Variable Universal Life |
| &nbsp;&nbsp;**Titanium Annuity Variable Account** | &nbsp;&nbsp;Protective<sup>®</sup> Titanium Investor<sup>℠</sup> Variable Annuity |
| &nbsp;&nbsp;**United Investors RetireMap Variable Account** | &nbsp;&nbsp;Protective<sup>®</sup> RetireMAP<sup>℠</sup> Variable Annuity |
| &nbsp;&nbsp;**United Investors Life Variable Account** | &nbsp;&nbsp;Protective<sup>®</sup> Advantage I<sup>℠</sup> |
| &nbsp;&nbsp;**United Investors Annuity Variable Account** | &nbsp;&nbsp;Protective<sup>®</sup> Advantage II<sup>℠</sup> Variable Annuity |
| &nbsp;&nbsp;**Other Registered Products** | &nbsp;&nbsp;Protective<sup>®</sup> Market Defender Annuity |
| &nbsp;&nbsp;**Other Registered Products** | &nbsp;&nbsp;Protective<sup>®</sup> Market Defender II Annuity |
| &nbsp;&nbsp;**Other Registered Products** | &nbsp;&nbsp;ProSaver<sup>®</sup> Platinum |

---

## Ex-99.(D)(3)

**Exhibit 99.(d)(3**)

**[ MARKETING NAME ] SCHEDULE**

---

| | |
|:---|:---|
| **CONTRACT NUMBER** | **ISSUE DATE** |
| **[** VA0000001 **]** | **[** June 1, 2025 **]** |
| **OWNER 1** | **BIRTH DATE OF OWNER 1** |
| **[** John Doe **]** | **[** January 1, 1950 **]** |
| **OWNER 2** | **BIRTH DATE OF OWNER 2** |
| **[** None **]** | **[** Not Applicable **]** |
| **ANNUITANT** | **BIRTH DATE OF ANNUITANT** |
| **[** John Doe **]** | **[** January 1, 1950 **]** |
| **BENEFICIARY** | **ANNUITY DATE** |
| As contained in our records | **[** January 1, 2045 **]** |
| **PROTECTED LIFETIME INCOME OPTION** | **DEATH BENEFIT** |
| **[** Marketing Name **]** | **[** Contract Value **]** |
| **AGENT** | **INSURANCE REGULATORY AUTHORITY** |
| **[** Allen Agent **]** | **[** Anystate Department of Insurance **]** |
| **[** Brisk Financial Services **]** | **[** 123-456-7890 **]** |
| **[** 5678 High Street **]** | **[** contact.doi@anystate.gov **]** |
| **[** Anycity, Anystate 12345 **]** |  |
| **[** 987-654-3210 **]** |  |
| **INITIAL PURCHASE PAYMENT** | **TAX-QUALIFIED STATUS** |
| **[** $100,000.00 **]** | **[** Non-Qualified **]** |

---

<u>**INTEREST RATES FOR THE GUARANTEED ACCOUNT**</u>

---

| | |
|:---|:---|
| **Annual Effective Interest Rates for the**<br> **Guaranteed Account on the Issue Date:** | FIXED ACCOUNT – **[**1.00 %**]** |
| **Annual Effective Interest Rates for the**<br> **Guaranteed Account on the Issue Date:** | DCA ACCOUNT 1 – **[**2.00 %**]** |
| **Annual Effective Interest Rates for the**<br> **Guaranteed Account on the Issue Date:** | DCA ACCOUNT 2 – **[**3.00 %] |
| **Non-Forfeiture Interest Rate (NFIR) for the** <br> **Guaranteed Account:** | **[**1.00% **]** |

---

**[** The Contract's NFIR for the Guaranteed Account was established on the Issue Date and will not change. It was determined by taking the 5-Year Constant Maturity Treasury Rate as of the January 31 prior to the May 1 – April 30 annual period during which the Contract was issued, subtracting 1.25%, and rounding the result to the nearest 0.05%. The NFIR will be no lower than the minimum rate prescribed in the law of the state where the policy is delivered or issued for delivery. Interest rates declared by the Company for the Guaranteed Account will be at least equal to the Contract's NFIR. **]**

ICC25-VDA-P-2006SF-2 [ A ] [ Marketing Name 6/25 ]

**[ MARKETING NAME ] SCHEDULE, continued**

<u>**CONTRACT LIMITATIONS**</u>

---

| | |
|:---|:---|
| **Maximum Issue Date:** | We will not issue a Contract on or after the oldest Owner's or Annuitant's [ 86<sup>th</sup> ] birthday. |
| **Maximum Annuity Date:** | The oldest Owner's or Annuitant's **[** 95<sup>th</sup> ] birthday. |
| **Additional Purchase Payments:** | Not permitted on or after the oldest Owner's or Annuitant's [ 86<sup>th</sup> ] birthday or within 3 years of the Annuity Date |
| **Minimum Additional Purchase Payment:** | $100.00, $50 if EFT |
| **Maximum Aggregate Purchase Payments:** | [$1,000,000.00] |

---

---

| | |
|:---|:---|
| <u>**CONTRACT FEES AND CHARGES**</u> | <u>**CONTRACT FEES AND CHARGES**</u> |
| **Administration Charge:** | **[** 0.15% ] per year |
| The Administration Charge was established on the Issue Date and will not change. | The Administration Charge was established on the Issue Date and will not change. |
| **Transfer Fee for Transfers in Excess of Limit:** | $25 for each transfer in excess of 12 per Contract Year. |
| The Transfer Fee was established on the Issue Date and will not change. | The Transfer Fee was established on the Issue Date and will not change. |
| **[ Contract Maintenance Fee:** | **[**$35.00 **]** |
| &nbsp;&nbsp; The Contract Maintenance Fee was established on the Issue Date and will not change. It is deducted prior to the Annuity Date on each Contract Anniversary, and on any day that the Contract is surrendered other than a Contract Anniversary. The Contract Maintenance Fee will be deducted from the Investment Options in the same proportion as their values are to the Contract Value. The Contract Maintenance Fee will be waived by the Company in the event either the Contract Value, or the aggregate Purchase Payments reduced by aggregate withdrawals, equals or exceeds **[** $100,000.00 **]** on the date the Fee is to be deducted. **]** | &nbsp;&nbsp; The Contract Maintenance Fee was established on the Issue Date and will not change. It is deducted prior to the Annuity Date on each Contract Anniversary, and on any day that the Contract is surrendered other than a Contract Anniversary. The Contract Maintenance Fee will be deducted from the Investment Options in the same proportion as their values are to the Contract Value. The Contract Maintenance Fee will be waived by the Company in the event either the Contract Value, or the aggregate Purchase Payments reduced by aggregate withdrawals, equals or exceeds **[** $100,000.00 **]** on the date the Fee is to be deducted. **]** |
| **<u>Mortality & Expense Risk Charge:</u>** |  |
| <br> The Mortality & Expense Risk Charge is assessed daily at an annual rate against assets held in the Variable Sub Accounts. This charge is based on the initial Purchase Payment as of the Issue Date and the Contract Value on the last day of each Contract quarter following the Issue Date.<br>In order to assess the Mortality & Expense Risk Charge, we must first assign the initial Purchase Payment to a Mortality and Expense Risk Tier. Additional Purchase Payments received during the first Contract quarter, which place the Contract into a new Mortality and Expense Risk Tier, will not result in a cost reduction until the first quarterly Contract Anniversary. If the Contract Value crosses a Mortality and Expense Risk Tier threshold, the Mortality & Expense Risk Charge will be adjusted – either reduced or increased - and will become effective in the next full Contract quarter.<br>The Mortality and Expense Risk Charge will stop at the Annuity Date (the Mortality and Expense Risk Charge will be assessed on the Annuity Date then discontinue thereafter) if fixed annuity payments are selected. The Mortality and Expense Risk Charge (excluding any increase for optional benefits) will continue after the Annuity Date if variable annuity payments are selected, using the Mortality and Expense Risk Tier in effect at the time of annuitization. Reductions of the Risk Charge are not applicable upon annuitization. | <br> The Mortality & Expense Risk Charge is assessed daily at an annual rate against assets held in the Variable Sub Accounts. This charge is based on the initial Purchase Payment as of the Issue Date and the Contract Value on the last day of each Contract quarter following the Issue Date.<br>In order to assess the Mortality & Expense Risk Charge, we must first assign the initial Purchase Payment to a Mortality and Expense Risk Tier. Additional Purchase Payments received during the first Contract quarter, which place the Contract into a new Mortality and Expense Risk Tier, will not result in a cost reduction until the first quarterly Contract Anniversary. If the Contract Value crosses a Mortality and Expense Risk Tier threshold, the Mortality & Expense Risk Charge will be adjusted – either reduced or increased - and will become effective in the next full Contract quarter.<br>The Mortality and Expense Risk Charge will stop at the Annuity Date (the Mortality and Expense Risk Charge will be assessed on the Annuity Date then discontinue thereafter) if fixed annuity payments are selected. The Mortality and Expense Risk Charge (excluding any increase for optional benefits) will continue after the Annuity Date if variable annuity payments are selected, using the Mortality and Expense Risk Tier in effect at the time of annuitization. Reductions of the Risk Charge are not applicable upon annuitization. |
| **<u>Mortality and Expense Risk Tiers</u>** | **<u>Mortality & Expense Risk Charge</u>** |
| Less than [$500,000] | **[** 0.30% ] |
| [$500,000] - [$999,999.99] | **[** 0.25% ] |
| [$1,000,000] or greater | **[** 0.20% ] |

---

ICC25-VDA-P-2006SF-2 [ B ] [ Marketing Name 6/25 ]

**[ MARKETING NAME ] SCHEDULE, continued**

<u>**CONTRACT FEES AND CHARGES, continued**</u>

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**[ <u>Advisory Fee Deductions</u>** |
| &nbsp;&nbsp;You purchased this Contract through a financial intermediary that manages your Contract Value for a fee ("Advisory Fee"). This Advisory Fee is covered in a separate agreement between you and the financial intermediary, and is in addition to the contract fees and charges described in this schedule. You may instruct us to deduct the Advisory Fee from the Contract Value. The Advisory Fee will be deducted from the Investment Options in the same proportion as their values are to the Contract Value, unless you instruct us otherwise. |
| **[** The maximum amount we will deduct from the Contract for Advisory Fees is **[** 1.50% **]** per year, reduced to **[** 1.00% **]** per year if the contract includes a protected lifetime income option, an optional death benefit, or both. **] ]** |

---

<u>**INVESTMENT OPTIONS AVAILABLE ON THE ISSUE DATE**</u>

---

| | |
|:---|:---|
| &nbsp;&nbsp;**<u>Protective Life Guaranteed Account</u>** |  |
| &nbsp;&nbsp; Fixed Account DCA Account 1 DCA Account 2 |  |
| &nbsp;&nbsp;<u>**Sub-Accounts of PLICO Variable Annuity Account S**</u> |  |
| &nbsp;&nbsp;**[AllianceBernstein** | &nbsp;&nbsp;**Fidelity Investments** |
| &nbsp;&nbsp; AB VPS Discovery Value B | &nbsp;&nbsp; Fidelity® VIP Asset Manager 50% Portfolio Service 2 |
| &nbsp;&nbsp; AB VPS Large Cap Growth B | &nbsp;&nbsp; Fidelity® VIP Asset Manager 70% Portfolio Service 2 |
| &nbsp;&nbsp; AB VPS Relative Value B | &nbsp;&nbsp; Fidelity® VIP Balanced Portfolio Service 2 |
| &nbsp;&nbsp; AB VPS Small Cap Growth B | &nbsp;&nbsp; Fidelity® VIP Bond Index Portfolio Service 2 |
| &nbsp;&nbsp;**American Funds** | &nbsp;&nbsp; Fidelity® VIP Contrafund Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Asset Allocation Fund (4) | &nbsp;&nbsp; Fidelity® VIP Energy Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Capital Income Builder (4) | &nbsp;&nbsp; Fidelity® VIP Extended Market Index Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Capital World Bond Fund (4) | &nbsp;&nbsp; Fidelity® VIP FundsManager® 20% Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Capital World Growth & Income Fund (4) | &nbsp;&nbsp; Fidelity® VIP FundsManager® 60% Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Global Balanced Fund (4) | &nbsp;&nbsp; Fidelity® VIP FundsManager® 85% Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Global Growth Fund (4) | &nbsp;&nbsp; Fidelity® VIP Growth Opportunities Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Global Small Cap Fund (4) | &nbsp;&nbsp; Fidelity® VIP Growth Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Growth Fund (4) | &nbsp;&nbsp; Fidelity® VIP Health Care Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Growth-Income Fund (4) | &nbsp;&nbsp; Fidelity® VIP International Capital Appreciation Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - International Fund (4) | &nbsp;&nbsp; Fidelity® VIP International Index Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - New World Fund (4) | &nbsp;&nbsp; Fidelity® VIP Investment Grade Bond Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - The Bond Fund of America Fund (4) | &nbsp;&nbsp; Fidelity® VIP Mid Cap Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - US Government Securities Fund (4) | &nbsp;&nbsp; Fidelity® VIP Target Volatility Portfolio Service 2 |
| &nbsp;&nbsp; American Funds® IS - Washington Mutual Investors Fund (4) | &nbsp;&nbsp; Fidelity® VIP Technology Portfolio Initial |
| &nbsp;&nbsp;**BlackRock** | &nbsp;&nbsp; Fidelity® VIP Total Market Index Portfolio Service 2 |
| &nbsp;&nbsp; BlackRock 60/40 Trgt Allc ETF V.I. III | &nbsp;&nbsp; Fidelity® VIP Utilities Portfolio Initial |
| &nbsp;&nbsp; BlackRock Global Allocation V.I. III | &nbsp;&nbsp; Fidelity® VIP Value Strategies Portfolio Service 2 |
| &nbsp;&nbsp; BlackRock International V.I. I | &nbsp;&nbsp;**First Trust** |
| &nbsp;&nbsp;**Clayton Street (Managed by Janus Capital Management, LLC)** | &nbsp;&nbsp;First Trust Dow Jones Dividend & Income Allocation Portfolio I |
| &nbsp;&nbsp;Protective Life Dynamic Allc Ser Cnsrv | &nbsp;&nbsp;First Trust Multi Income Allocation Portfolio I |
| &nbsp;&nbsp;Protective Life Dynamic Allc Ser Gr | &nbsp;&nbsp;**Franklin Templeton Investments** |
| &nbsp;&nbsp;Protective Life Dynamic Allc Ser Mod | &nbsp;&nbsp;ClearBridge Variable Dividend Strat II |
| &nbsp;&nbsp;**Columbia Threadneedle** | &nbsp;&nbsp;ClearBridge Variable Large Cap Growth II |
| &nbsp;&nbsp; Columbia VP Balanced 2 | &nbsp;&nbsp;ClearBridge Variable Mid Cap II |
| &nbsp;&nbsp; Columbia VP Emerging Markets Bond 2 | &nbsp;&nbsp;ClearBridge Variable Small Cap Growth II |
| &nbsp;&nbsp; Columbia VP Intermediate Bond 2 | &nbsp;&nbsp;Franklin DynaTech VIP 2 |
| &nbsp;&nbsp; Columbia VP Limited Duration Credit 2 | &nbsp;&nbsp;Franklin Income VIP 2 |
| &nbsp;&nbsp; Columbia VP Select Mid Cap Value 2 | &nbsp;&nbsp;Franklin Rising Dividends VIP 2 |
| &nbsp;&nbsp; Columbia VP Strategic Income 2 | &nbsp;&nbsp; Franklin Small Cap Value VIP 2 |
|  | &nbsp;&nbsp;Franklin Small Mid Cap Growth VIP 2 |
|  | &nbsp;&nbsp; Templeton Developing Markets VIP 2 |
|  | &nbsp;&nbsp; Templeton Global Bond VIP 2 |
|  | &nbsp;&nbsp; Western Asset Core Plus VIT II |

---

ICC25-VDA-P-2006SF-2 [ C ] [ Marketing Name 6/25 ]

**[ MARKETING NAME ] SCHEDULE, continued**

<u>**INVESTMENT OPTIONS AVAILABLE ON THE ISSUE DATE, continued**</u>

---

| | |
|:---|:---|
| &nbsp;&nbsp;<u>**Sub-Accounts of PLICO Variable Annuity Account S**</u> **<u>(continued)</u>** | &nbsp;&nbsp;<u>**Sub-Accounts of PLICO Variable Annuity Account S**</u> **<u>(continued)</u>** |
| &nbsp;&nbsp;**Goldman Sachs** | &nbsp;&nbsp;**MFS** |
| &nbsp;&nbsp; Goldman Sachs VIT Core Fixed Income Svc | &nbsp;&nbsp; MFS® VIT Growth Svc |
| &nbsp;&nbsp; Goldman Sachs VIT Mid Cap Growth Svc | &nbsp;&nbsp; MFS® VIT Mid Cap Growth Svc |
| &nbsp;&nbsp; Goldman Sachs VIT Sm Cp Eq Insghts Svc | &nbsp;&nbsp; MFS® VIT New Discovery Svc |
| &nbsp;&nbsp; Goldman Sachs VIT Strategic Growth Svc | &nbsp;&nbsp; MFS® VIT Total Return Svc |
| &nbsp;&nbsp; Goldman Sachs VIT Trd Driv Alloc Svc | &nbsp;&nbsp; MFS® VIT II Core Equity Svc |
| &nbsp;&nbsp;**Invesco** | &nbsp;&nbsp; MFS® VIT II International Growth Svc |
| &nbsp;&nbsp; Invesco V.I. Balanced-Risk Fund – Series II | &nbsp;&nbsp; MFS® VIT II International Intrs Val Svc |
| &nbsp;&nbsp; Invesco V.I. Comstock Fund – Series II | &nbsp;&nbsp; MFS® VIT II MA Investors Growth Stk Svc |
| &nbsp;&nbsp; Invesco V.I. Equity and Income Fund – Series II | &nbsp;&nbsp; MFS® VIT II Research International Svc |
| &nbsp;&nbsp; Invesco V.I. Global Fund – Series II | &nbsp;&nbsp; MFS® VIT III Blended Rsrch Sm Cp Eq Svc |
| &nbsp;&nbsp; Invesco V.I. Global Real Estate Fund – Series II | &nbsp;&nbsp; MFS® VIT III Global Real Estate Svc |
| &nbsp;&nbsp; Invesco V.I. Government Securities Fund – Series II | &nbsp;&nbsp; MFS® VIT III Mid Cap Value Svc |
| &nbsp;&nbsp; Invesco V.I. Growth and Income Fund – Series II | **Morgan Stanley** |
| &nbsp;&nbsp; Invesco V.I. Main Street Small Cap Fund – Series II | &nbsp;&nbsp; Morgan Stanley VIF Discovery II |
| &nbsp;&nbsp; Invesco® V.I. S&P 500 Buffer December Fund – Series II | &nbsp;&nbsp; Morgan Stanley VIF Global Strategist II |
| &nbsp;&nbsp; Invesco® V.I. S&P 500 Buffer June Fund – Series II | &nbsp;&nbsp; Morgan Stanley VIF Growth II |
| &nbsp;&nbsp; Invesco® V.I. S&P 500 Buffer March Fund – Series II | &nbsp;&nbsp;**PIMCO** |
| &nbsp;&nbsp; Invesco® V.I. S&P 500 Buffer September Fund – Series II | &nbsp;&nbsp; PIMCO VIT All Asset Adv |
| &nbsp;&nbsp; Invesco V.I. U.S. Government Money Portfolio – Series I | &nbsp;&nbsp; PIMCO VIT CommodityRealReturn® Strat Adv |
| &nbsp;&nbsp;**Janus Henderson** | &nbsp;&nbsp; PIMCO VIT Emerging Markets Bond Adv |
| &nbsp;&nbsp; Janus Henderson VIT Balanced Svc | &nbsp;&nbsp; PIMCO VIT Global Diversified Alloc Adv |
| &nbsp;&nbsp; Janus Henderson VIT Forty Svc | &nbsp;&nbsp; PIMCO VIT High Yield Adv |
| &nbsp;&nbsp; Janus Henderson VIT Glb Tech&Innvt Svc | &nbsp;&nbsp; PIMCO VIT Income Advisor |
| &nbsp;&nbsp; Janus Henderson VIT Global Sust Eq Svc | &nbsp;&nbsp; PIMCO VIT Long-Term US Govt Adv |
| &nbsp;&nbsp; Janus Henderson VIT Overseas Svc | &nbsp;&nbsp; PIMCO VIT Low Duration Adv |
| &nbsp;&nbsp;**Lord Abbett** | &nbsp;&nbsp; PIMCO VIT Real Return Adv |
| &nbsp;&nbsp; Lord Abbett Series Fund Bond-Debenture Portfolio | &nbsp;&nbsp; PIMCO VIT Short-Term Adv |
| &nbsp;&nbsp; Lord Abbett Series Fund Dividend Growth Portfolio | &nbsp;&nbsp; PIMCO VIT Total Return Adv |
| &nbsp;&nbsp; Lord Abbett Series Fund Fundamental Equity Portfolio | &nbsp;&nbsp;**Schwab Funds** |
| &nbsp;&nbsp; Lord Abbett Series Fund Growth Opportunities Portfolio | &nbsp;&nbsp; Schwab® Government Money Market Portfolio |
| &nbsp;&nbsp; Lord Abbett Series Fund Short Duration Income Portfolio | &nbsp;&nbsp; Schwab® S&P 500 Index Portfolio |
|  | &nbsp;&nbsp; Schwab VIT Balanced Portfolio |
|  | &nbsp;&nbsp; Schwab VIT Balanced with Growth Portfolio |
|  | &nbsp;&nbsp; Schwab VIT Growth Portfolio |
|  | &nbsp;&nbsp;**T. Rowe Price** |
|  | &nbsp;&nbsp; T. Rowe Price All-Cap Opportunities Port I |
|  | &nbsp;&nbsp; T. Rowe Price Blue Chip Growth Port II |
|  | &nbsp;&nbsp; T. Rowe Price Health Sciences Port II |
|  | &nbsp;&nbsp; T. Rowe Price Moderate Allocation I ] |

---

ICC25-VDA-P-2006SF-2 [ D ] [ Marketing Name 6/25 ]

## Ex-99.(O)

[**TABLE OF CONTENTS**](#TOC)

#### Summary Prospectus for New Investors

#### August 11, 2025

---

| | |
|:---|:---|
| ***Schwab Genesis Variable Annuity™***  | *Protective Life Insurance Company <br>PLICO Variable Annuity Account S <br>P.O. Box 10648 <br>Birmingham, Alabama 35202-0648 <br>Telephone: 1-800-456-6330 <br>www.protective.com*  |

---

This Summary Prospectus summarizes key features of the Schwab Genesis Variable Annuity Contract (the "Contract"). You should read this Summary Prospectus carefully, particularly the section titled Important Information You Should Consider About the Contract. The Contract is designed for investors who desire to accumulate capital on a tax deferred basis for retirement or other long term investment purposes, is not a short-term investment, and is not appropriate for an investor who needs ready access to cash. The Contract is a complex investment and involves risks, including potential loss of principal. Withdrawals could result in taxes and tax penalties.

Before you invest, you should review the prospectus for the Schwab Genesis Variable Annuity Contract (the "Prospectus"), which contains more information about the Contract, including its features, benefits, and risks. You can find the Prospectus and other information about the Contract online at www.protective.com/productprospectus. You can also obtain this information at no cost by calling 1-800-456-6330 or by sending an email request to prospectus@protective.com.

YOU MAY CANCEL YOUR CONTRACT WITHIN 10 DAYS OF RECEIVING IT

WITHOUT PAYING FEES OR PENALTIES.

In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract Value. You should review the Prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

Protective Life Insurance Company's obligations under the Contract are subject to its financial strength and claims-paying ability.

*The SEC has not approved or disapproved these securities or passed upon the adequacy of this Summary Prospectus. Any representation to the contrary is a criminal offense.*

------

[**TABLE OF CONTENTS**](#TOC)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| [SPECIAL TERMS](#idSPECIALTERM17996)  | [3](#idSPECIALTERM17996)  |
| [OVERVIEW OF THE VARIABLE ANNUITY CONTRACT](#idOVERVIEWOFT6627)  | [5](#idOVERVIEWOFT6627)  |
|  [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#idIMPORTANTIN50898)  | [6](#idIMPORTANTIN50898)  |
| [BENEFITS AVAILABLE UNDER THE CONTRACT](#idBENEFITSAVA14675)  | [9](#idBENEFITSAVA14675)  |
| [BUYING THE CONTRACT](#idBUYINGTHECO5291)  | [11](#idBUYINGTHECO5291)  |

---

---

| | |
|:---|:---|
|  [MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#idMAKINGWITHD7031)  | [12](#idMAKINGWITHD7031)  |
| [ADDITIONAL INFORMATION ABOUT FEES](#idADDITIONALI20081)  | [13](#idADDITIONALI20081)  |
|  [APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#idAPPENDIXINV110026)  | [16](#idAPPENDIXINV110026)  |

---

------

[**TABLE OF CONTENTS**](#TOC)

#### SPECIAL TERMS
**"We", "us", "our", "Protective Life", and "Company"** refer to Protective Life Insurance Company. "You", "your" and "Owner" refer to the person(s) who has been issued a Contract.

**Administrative Office** Protective Life Insurance Company, P.O. Box 10648, Birmingham, Alabama 35202-0648 (for Written Notice sent by U.S. postal service) or Protective Life Insurance Company, 2801 Highway 280 South, Birmingham, Alabama 35223 (for Written Notice sent by a nationally recognized overnight delivery service).

**Annual Withdrawal Amount or AWA** The maximum amount that may be withdrawn from the Contract under the SecurePay Life rider each Contract Year after the Benefit Election Date without reducing the Benefit Base.

**Annuity Date** The date as of which the Annuity Value is applied to an Annuity Option.

**Annuity Option** The payout option under which the Company makes annuity income payments.

**Annuity Value** The amount we apply to the Annuity Option you have selected. In general, this is equal to the Contract Value minus applicable premium tax.

**Benefit Election Date** The date you choose to start your SecurePay Withdrawals.

**Contract** The Schwab Genesis Variable Annuity, a flexible premium, deferred, variable and fixed annuity contract.

**Contract Anniversary** The same month and day as the Issue Date in each subsequent year of the Contract.

**Contract Value** Before the Annuity Date, the sum of the Variable Account value and the Guaranteed Account value.

**Contract Year** Any period of 12 months commencing with the Issue Date or any Contract Anniversary.

**DCA** Dollar cost averaging.

**DCA Accounts** A part of the Guaranteed Account, but separate from the Fixed Account. The DCA Accounts are designed to transfer amounts to the Sub-Accounts of the Variable Account systematically over a designated period.

**Death Benefit** The amount we pay to the beneficiary if an Owner dies before the Annuity Date.

**Due Proof of Death** Receipt at our Administrative Office of a certified death certificate or judicial order from a court of competent jurisdiction or similar tribunal.

**Excess Withdrawals** Any portion of a withdrawal that, when aggregated with all prior withdrawals during a Contract Year, exceeds the maximum withdrawal amount permitted under the SecurePay Life rider.

**Fixed Account** A part of the Guaranteed Account, but separate from the DCA Accounts. Amounts allocated or transferred to the Fixed Account earn interest from the date the funds are credited to the account.

**Fund** Any investment portfolio in which a corresponding Sub-Account invests.

**Good Order ("good order")** A request or transaction generally is considered in "Good Order" if we receive it in our Administrative Office within the time limits, if any, prescribed in the Prospectus for a particular transaction or instruction, it includes all information 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. Good Order generally means the actual receipt by us of the instructions relating to the request or transaction in writing (or, when permitted, by telephone or Internet as described above) along with all forms, information and supporting legal documentation we require to affect the instruction or transaction. This information and documentation generally includes, to the extent applicable: the completed application or instruction form; your contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Investment Options affected by the requested transaction; 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 spousal or Joint Owner's consents. With respect to Purchase Payments, 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 registered representative before submitting the form or request.

**Guaranteed Account** The Fixed Account, the DCA Accounts and any other Investment Option we may offer with interest rate guarantees.

------

[**TABLE OF CONTENTS**](#TOC)

**Investment Option** Any account to which you may allocate Purchase Payments or transfer Contract Value under this Contract. The Investment Options are the Sub-Accounts of the Variable Account and the Guaranteed Account available in this Contract.

**Issue Date** The date as of which we credit the initial Purchase Payment to the Contract and the date the Contract takes effect.

**Monthly Anniversary Date** The same day each month as the Issue Date, or the last day of any month that does not have the same day as the Issue Date.

**Owner** The person or persons who own the Contract and are entitled to exercise all rights and privileges provided in the Contract.

**Protected Lifetime Income Benefits** The optional SecurePay Life benefit offered with the Contract.

**Purchase Payment** The amount(s) paid by the Owner and accepted by the Company as consideration for this Contract.

**Qualified Contracts** Contracts issued in connection with retirement plans that receive favorable tax treatment under Sections 401, 408, 408A or 457 of the Code.

**Rate Sheet Prospectus Supplement** A periodic supplement to the Prospectus which sets forth the current fees for the SecurePay Life rider as well as Maximum Withdrawal percentage under the SecurePay Life rider available when you purchase your Contract or, if purchasing the SecurePay Life rider under RightTime, the SecurePay fee and Maximum Withdrawal Percentage(s) applicable on your Rider Issue Date.. See "PROTECTED LIFETIME INCOME BENEFITS ("THE SECUREPAY LIFE RIDER") — Determining the Amount of Your SecurePay Withdrawals."

**Rider Issue Date** The date a Protected Lifetime Income Benefit rider is issued.

**RightTime** The ability to purchase the Protected Lifetime Income Benefit rider, SecurePay Life rider, after your Contract is issued, so long as you satisfy the rider's issue requirements and the rider is still available for sale. When purchasing the SecurePay Life rider under RightTime, the applicable SecurePay Fee and Maximum Withdrawal Percentage(s) will be set forth in the Rate Sheet Prospectus Supplement effective on the Rider Issue Date. The Maximum Withdrawal Percentage(s) will not change for the remaining life of the Contract.

**Sub-Account** A separate division of the Variable Account.

**Valuation Date** Each day on which the New York Stock Exchange is open for business.

**Variable Account** The PLICO Variable Annuity Account S, a separate investment account of Protective Life.

**Written Notice** A notice or request submitted in writing in Good Order that we receive at the Administrative Office via U.S. postal service or nationally recognized overnight delivery service. Please note that we use the term "written notice" in lower case to refer to a notice that we may send to you.

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[**TABLE OF CONTENTS**](#TOC)

#### OVERVIEW OF THE VARIABLE ANNUITY CONTRACT

#### Q: What is this Contract, and what is it designed to do?
A: The Schwab Genesis Variable Annuity Contract is designed to provide long-term accumulation of assets through investments in a variety of Investment Options during the accumulation phase. It can supplement your retirement income by providing a stream of income payments during the payout phase. It also offers death benefits to protect your beneficiaries. This Contract may be appropriate if you have a long investment time horizon. It is not intended for people who may need to make early or frequent withdrawals or intend to engage in frequent trading in the Funds, and may not be appropriate for you if you do not have a long-term investment horizon.

#### Q: How do I accumulate assets in this Contract and receive income from the Contract?
A: Your Contract has two phases: 1) an accumulation (savings) phase: and 2) a payout (income) phase.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Accumulation (Savings) Phase**

To help you accumulate assets, you can invest your Purchase Payments in:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Funds (mutual funds), each of which has its own investment strategies, investment advisers, expense ratios, and returns; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fixed Account option, which offers a guaranteed interest rate during a selected period.

**Additional information about the Funds in which you can invest is provided in the back of this Summary Prospectus. See APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Payout (Income) Phase**

You can elect to annuitize your Contract and turn your Contract Value into a stream of income payments (sometimes called annuity payments) from the Company, at which time the accumulation phase of the Contract ends. These payments may continue for a fixed period of years, for your entire life, or for the longer of a fixed period or your life. The payments may also be fixed or variable. Variable payments will vary based on the performance of the Investment Options you select. Please note that if you annuitize, your investments will be converted to income payments and you may no longer be able to choose to withdraw money at will from your Contract. All benefits (including guaranteed minimum death benefits and living benefits) terminate upon annuitization.

#### Q: What are the primary features and options that this Contract offers?
A: **Accessing your money.** Until you annuitize, you have full access to your money. You can choose to withdraw your Contract Value at any time (although if you withdraw early, you may have to pay income taxes, including an additional tax if you are younger than age 59½).

**Tax treatment.** You can transfer money between Investment Options without tax implications, and earnings (if any) on your investments are generally tax-deferred. You are generally taxed when: (1) you make a withdrawal or (2) you receive an income payment from the Contract. Your beneficiary is taxed upon payment of a death benefit. For more information, see "Federal Tax Matters".

**Death benefits.** Your Contract includes a basic death benefit, the Contract Value Death Benefit, that will pay your beneficiaries the Contract Value as of the date we receive Due Proof of Death, minus applicable fees and charges. You can purchase an optional death benefit for an additional fee. The optional death benefit may increase the amount of money payable to your beneficiaries upon your death.

**Optional benefits that occur during your lifetime.** For an additional fee, you can purchase a Protected Lifetime Income Benefit rider (the SecurePay Life rider) to help protect your retirement income from declining markets and/or provide income guarantees to help protect you from outliving your assets, while still maintaining access to your money.

**Portfolio rebalancing and dollar cost averaging.** At no additional charge, you may select portfolio rebalancing, which automatically rebalances the Sub-Accounts you select to maintain your chosen percentage allocation of Variable Account value among the Sub-Accounts. Alternatively, at no additional charge, you may select dollar cost averaging (DCA), which automatically transfers a specific amount of money from the DCA Account or the Fixed Account to the Sub-Accounts you have selected, at set intervals over a specific period of time.

**Automatic withdrawals.** You may make pre-authorized withdrawals of a level dollar amount from the Contract on a monthly or quarterly basis before the Annuity Date. There is no charge for the automatic withdrawal program. However, you may have to pay income taxes, including a 10% additional tax if you are younger than age 59½.

------

[**TABLE OF CONTENTS**](#TOC)

#### IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

---

| | |
|:---|:---|
| **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **No. The Contract does not include charges for early withdrawal.** |
| **Are There Transaction Charges?** | **Yes.** You may be charged $25 per transfer for each transfer after the first 12 transfers in a Contract Year. Currently, we do not assess this charge.<br> For additional information about transaction charges, see "FEE TABLE - Transaction Expenses" and "CHARGES AND DEDUCTIONS" in the Prospectus. |
| **Are There Ongoing Fees and Expenses (annual charges)?** | **Yes.** The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. |

---

---

| | | |
|:---|:---|:---|
| **Annual Fee**  | **Minimum**  | **Maximum**  |
| Base contract <sup>(1)</sup> | 0.35% | 0.45% |
| Investment options (Fund fees and expenses) <sup>(2)</sup> | 0.03% | 2.86% |
| Optional benefits available for an additional charge |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return of Purchase Payments Death Benefit Fee <sup>(3)</sup> | 0.20% | 0.20% |
| &nbsp;&nbsp;&nbsp; SecurePay Life rider <sup>(4)</sup> |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; At Contract Purchase | See Rate Sheet Prospectus Supplement | 2.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Later under RightTime Option | See Rate Sheet Prospectus Supplement | 2.20% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We calculate the Base Contract fee by dividing the total amount we receive from the annual mortality and expense risk charge and the administration charge for the last fiscal year by the total average net assets attributable to the Contracts for that year. The administration charge is 0.15% of Variable Account value and the mortality and expense risk charge applied, as a percentage of Variable Account value, may vary (secrease, increase, or stay the same) based on your Contract Value on the Contract Issue Date and on each Contract Quarterly Anniversary. The mortality and expense risk charge is 0.30% for Contract Value of $5,000 to $499,999, 0.25% for Contract Value of $500,000 to $999,999, or 0.20% for Contract Value of $1,000,000 or greater. For Contracts issued in California, the administration charge is 0.10% and the mortality and expense risk charge is 0.35% of Variable Account value.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(2)</sup>

 *As a percentage of Fund assets.* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(3)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; As an annualized percentage of the death benefit value on each Monthly Anniversary Date, beginning on the 1st Monthly Anniversary Date.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(4)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; As an annualized percentage of the Benefit Base on each Monthly Anniversary Date, beginning on the 1st Monthly Anniversary Date following election of the rider.*

Because your Contract is customizable, the options and benefits you choose can affect how much you will pay. To help you understand the cost of owning your Contract, the

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following table shows the lowest and highest cost you could pay *each year*, based on current charges. These estimates assume that you do not take any withdrawals from the Contract.

---

| | |
|:---|:---|
| **Lowest Annual Cost: <br>$491**  | **Highest Annual Cost: <br>$4,633**  |
| Assumes: | Assumes: |
| &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000 <br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Least expensive combination of Base Contract fee and Fund fees and expenses<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No optional benefits<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No sales charges<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional Purchase Payments, transfers or withdrawals<br>| &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Most expensive combination of Base Contract fee, optional benefits and Fund fees and expenses<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No sales charges<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional Purchase Payments, transfers, or withdrawals<br>|

---

For additional information about annual charges, see "FEE TABLE" and "CHARGES AND DEDUCTIONS" in the Prospectus.

---

| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Is There a Risk of Loss from Poor Performance?** | **Yes. You can lose money by investing in this Contract, including loss of principal.<br> For additional information about the risk of loss, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the Prospectus.**  |
| **Is this a Short-Term Investment?** | **No.** This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Although you are permitted to take withdrawals or surrender the Contract, federal and state income taxes may apply.<br> Withdrawals will reduce your Contract Value and death benefit. <br> The benefits of tax deferral and living benefit protections also mean the Contract is less beneficial to investors with a short time horizon.<br> For additional information about the investment profile of the Contract, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT," "CHARGES AND DEDUCTIONS," "FEDERAL TAX MATTERS," and "TAXATION OF ANNUITIES IN GENERAL" in the Prospectus. |
| **What Are the Risks Associated with the Investment Options?** | An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract.<br> Each Investment Option (including the Guaranteed Account) has its own unique risks.<br> You should review the prospectuses for the available Funds and consult with your financial professional before making an investment decision.<br> For additional information about the risks associated with Investment Options, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the Prospectus. |
| **What Are the Risks Related to the Insurance Company?** | An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Guaranteed Account), guarantees, or benefits under the Contract are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available upon request at no charge by calling us at 1-800-456-6330 or writing us at the address shown on the cover page.<br> For additional information about Company risks, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT," and "THE COMPANY, VARIABLE ACCOUNT AND FUNDS" in the Prospectus. |

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---

| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Restrictions on theInvestment Options?** | **Yes.** Currently, there is no charge when you transfer Contract Value among Investment Options. However, we reserve the right to charge $25 for each transfer after the first 12 transfers in any Contract Year in the future.<br> We reserve the right to remove or substitute Funds as Investment Options that are available under the Contract. We also reserve the right to restrict the allocation of additional Purchase Payments and/or transfers of Contract Value to a Fund if we determine the Fund no longer meets one or more of our Fund selection criteria and/or if a Fund has not attracted significant contract owner assets.<br> For additional information about Investment Options, see "CHARGES AND DEDUCTIONS – Transfer Fee" and "THE COMPANY, VARIABLE ACCOUNT AND FUNDS – Selection of Funds – Addition, Deletion or Substitution of Investments" in the Prospectus. |
| **Are there any Restrictions on Contract Benefits?** | &nbsp;&nbsp;&nbsp; **Yes. If you select a Protected Lifetime Income Benefit rider:**<br> • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Investment Options available to you under the Contract will be limited.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You may not make additional Purchase Payments two years or more after the Rider Issue Date or on or after the Benefit Election Date, whichever comes first.<br>•  Withdrawals from Contract Value that exceed the Annual Withdrawal Amount under the rider may significantly reduce or eliminate the rider benefits.<br> We may stop offering an optional benefit rider at any time.<br> If you purchase an optional death benefit, withdrawals may reduce the benefit by an amount greater than the value withdrawn.<br> For additional information about the optional benefits, see "PROTECTED LIFETIME INCOME BENEFITS" and "DEATH BENEFIT - Selecting a Death Benefit" in the Prospectus. |

---

---

| | |
|:---|:---|
| **TAXES** | **TAXES** |
| **What Are the Contract's Tax Implications?** | You should consult with a qualified tax advisor regarding the federal tax implications of an investment in, payments received under, and other transactions in connection with this Contract.<br> If you purchase the Contract through a tax-qualified plan or individual retirement arrangement (IRA), you do not get any additional tax deferral. Generally, all earnings on the investments underlying the Contract are tax-deferred until distributed or deemed distributed. A distribution from a non-Qualified Contract, which includes a surrender, withdrawal, payment of a death benefit, or annuity income payments, will generally result in taxable income if there has been an increase in the Contract Value. In the case of a Qualified Contract, a distribution generally will result in taxable income even if there has not been an increase in the Contract Value. In certain circumstances, a 10% additional tax may also apply if the Owner takes a withdrawal before age 59½. All amounts includable in income with respect to the Contract are taxed as ordinary income; no amounts are taxed at the special lower rates applicable to long term capital gains and corporate dividends. <br> For additional information about tax implications, see "FEDERAL TAX MATTERS" and "TAXATION OF ANNUITIES IN GENERAL" in the Prospectus. |

---

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---

| | |
|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **How Are Investment Professionals Compensated?** | We pay compensation, in the form of commissions, non-cash compensation, and asset-based compensation, to broker-dealers in connection with the promotion and sale of the Contracts. A portion of any payments made to the broker-dealers may be passed on to their registered representatives in accordance with their internal compensation programs. The prospect of receiving, or the receipt of, asset-based compensation may provide broker-dealers and/or their registered representatives with an incentive to recommend initial or continued investment in the Contracts over other variable insurance products (or other investments). You may wish to take such compensation arrangements into account when considering and evaluating any recommendation relating to the Contracts.<br> For additional information about compensation, see "DISTRIBUTION OF THE CONTRACTS" in the Prospectus. |
| **Should I Exchange My Contract?** | Some investment professionals may have a financial incentive to offer you a new contract in place of the contract you already own. You should only exchange your current contract if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing contract.<br> For additional information about exchanges, see "TAXATION OF ANNUITIES IN GENERAL – Exchanges of Annuity Contracts" in the Prospectus. |

---

#### BENEFITS AVAILABLE UNDER THE CONTRACT
***Q: Are there benefits I can select that will affect how much money that my beneficiaries or I will receive under the Contract, or otherwise will affect my rights under the Contract? What are the features, costs, and any limitations associated with these other benefits?***

A: In addition to the Death Benefit that is included with your Contract, other optional benefits may also be available to you. The purposes, fees, and restrictions/limitations of these benefits are briefly summarized in the following tables.

#### Death Benefits
These death benefits are available during the accumulation phase:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit**  | **Purpose**  | **Is Benefit Standard or <br>Optional?**  | **Maximum Fee**  | **Brief Description of <br>Restrictions/Limitations**  |
| **Contract Value Death Benefit** | Equal to the Contract Value as of the date we receive Due Proof of Death. | Standard | No charge | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; None.<br>|
| **Return of Purchase Payments Death Benefit** | Equal to the greatest of:<br> 1. the Contract Value, or<br> 2. the aggregate Purchase Payments less an adjustment for each withdrawal (adjustment for each withdrawal is the amount that reduces the Return of Purchase Payments Death Benefit at the time of the withdrawal in the same proportion that the amount withdrawn reduces the Contract Value.) | Optional | 0.20% (as an annualized percentage of the death benefit value on each Monthly Anniversary Date) | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Death Benefit will never be more than the Contract Value plus $1,000,000.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals can reduce the value of the Death Benefit by more than the amount withdrawn.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; It is possible that this Death Benefit will be no greater than the Contract Value Death Benefit, for which we do not assess a fee.<br>|

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#### Optional Living Benefits

---

| | | |
|:---|:---|:---|
| **Name of Benefit**  | **Purpose**  | **Brief Description of <br>Restrictions/Limitations**  |
| **SecurePay Life rider** | Provides an Annual Withdrawal Amount that is guaranteed for life, even if Contract Value is reduced to zero. 2.00% <sup>(1)</sup> (if selected at Contract purchase)<br> 2.20% <sup>(1)</sup> (under RightTime option)<br> See Rate Sheet Prospectus Supplement <sup>(1)</sup> | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Benefit limits available Investment Options.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Purchase Payments two years or more after Rider Issue Date or on or after Benefit Election Date, whichever comes first.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals will reduce the Benefit Base and available SecurePay withdrawals.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Excess Withdrawals may significantly reduce or eliminate value of benefit.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Available to Contract Owners age 60 to 85. <br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not available for Inherited IRA Contracts.<br>|

---

<sup>(1)</sup>

 *Fee is calculated as a percentage of the Benefit Base.* 

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#### Other Optional Benefits

---

| | | | |
|:---|:---|:---|:---|
| **Name of Benefit**  | **Purpose**  | **Maximum Fee**  | **Brief Description of <br>Restrictions/Limitations**  |
| **Portfolio Rebalancing** | Automatically rebalances the Sub-Accounts you select (either quarterly, semi-annually or annually) to maintain your chosen percentage allocation of Variable Account value among the Sub-Accounts. | **No Charge** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you select the SecurePay rider, your allocations must comply with our Allocation Guidelines and Restrictions.<br>|
| **Dollar Cost Averaging** | Automatically transfers a specific amount of money from the DCA Account or the Fixed Account to the Sub-Accounts you select, on a monthly basis over a specific period of time. | **No Charge** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you select the SecurePay rider, your allocations must comply with our Allocation Guidelines and Restrictions.<br>|
| **Automatic Withdrawal Plan ("AWP")** | Automatically withdraws a level dollar amount from the Contract on a monthly or quarterly basis before the Annuity Date. | **No Charge** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Income taxes, including a 10% additional tax if you are younger than age 59½, may apply.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you select the SecurePay rider, the AWP will reduce Benefit Base and available SecurePay withdrawals.<br>|

---

#### BUYING THE CONTRACT

#### Q: How do I purchase the Schwab Genesis Variable Annuity Contract?
A: You must complete and submit an application, along with your initial Purchase Payment, to Protective Life through a licensed representative of Protective Life. Once we have received and approved your application, we will send you your Contract and a statement confirming your investments.

#### Q: How much can I contribute and how are my contributions invested?
A: Your Purchase Payment will be invested in the Investment Options that you choose.

---

| | |
|:---|:---|
| **Minimum Initial Purchase Payment** | $5000 |
| **Minimum Subsequent Purchase Payment** | $100 ($50 if made by <br>electronic funds transfer) |
|  **Maximum Aggregate Purchase Payment <sup>(1)</sup>** | $1000000 |

---

<sup>(1)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We can reject any Purchase Payments for any reason. We may also permit you to invest more than the maximum amounts listed above if you obtain our prior approval.*

After your initial Purchase Payment, you are not required to make any additional Purchase Payments under your Contract.

#### Q: When will any Purchase Payments that I make be credited to my Contract?
A: Initial Purchase Payment: Your financial professional must determine that the Contract is suitable for you and transmit your application to us. If your application is complete when received by us and we also received your initial Purchase Payment, we will issue your Contract and allocate your initial Purchase Payment to the Investment Options you direct within 2 business days. If some information is missing from your application, we may delay issuing your Contract and crediting your Contract while we obtain the missing information. However, we will not hold your initial

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Purchase Payment for more than 5 business days without your permission. Once the information is complete, we will allocate your initial Purchase Payment to the Investment Options you direct within 2 business days.

Subsequent Purchase Payment: if we receive a subsequent Purchase Payment before the close of the NYSE (typically 3:00 p.m. Central Time), we will apply your Purchase Payment as of the end of that Valuation Date. If we receive your subsequent Purchase Payment at or after the close of the NYSE, your payment will be applied on the next Valuation Date.

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

#### Q: Can I access the money in my Contract during the asset accumulation (savings) phase?
A: You can access the money in your Contract by making a withdrawal, which will reduce the value of your Contract (including the amount of the death benefit). You may withdraw all or a portion of your Contract Value (minus applicable charges and other adjustments, discussed below). **However, withdrawing the entire Contract Value will terminate your Contract.**

Certain withdrawals may reduce the value of the SecurePay rider you elected. This optional living benefit rider provides withdrawal options.

#### Q: Are there any limitations associated with taking money out of my Contract during the asset accumulation (savings) phase?
A: Yes. These limitations are as follows:

---

| | |
|:---|:---|
| **Limitations on withdrawal amounts** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; At any time before the Annuity Date, you may withdraw the Contract Value provided the Contract Value remaining after the withdrawal is at least $5,000.If you request a withdrawal that would reduce your Contract Value below $5,000, we will (1) confirm the request for partial withdrawal with the Contract Owner, and, (2) if the request is confirmed, will treat the request for partial withdrawal as a request to fully surrender the Contract.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you select the SecurePay rider, special withdrawal rules apply.<br>|
| **Surrender charges and taxes** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federal and state income taxes may apply, as well as a 10% federal additional tax if the withdrawal occurs before the Owner reaches age 59½.<br>|
|  **Negative impact of withdrawal on other benefits and guarantees of your Contract** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals reduce your Contract Value and death benefit, and may reduce the value of the the SecurePay rider.<br>|

---

#### Q: What is the process to request a withdrawal of money from my Contract?
A: You can request to withdraw all or a portion of your Contract Value (that is your Contract Value less any prorated Contract fees) on any business day through your financial intermediary, by calling us, facsimile or mailing a request to: (1) Protective Life Insurance Company, P.O. Box 10648, Birmingham, Alabama 35202-0648 ***(if sent by the U.S. postal service)***; or (2) to Protective Life Insurance Company, 2801 Highway 280 South, Birmingham, Alabama 35223 ***(if sent by a nationally recognized overnight delivery service)***. Generally, for withdrawal or surrender requests received in good order before the close of the New York Stock Exchange (typically 3:00 p.m. Central Time), we will process your request that Valuation Date. If we receive your request in good order at or after the close of the New York Stock Exchange, your request will be processed the next Valuation Date. We will generally pay the amount withdrawn or surrendered within seven days.

#### Q: Can I access the money in my account during the annuity (income) phase?
A: You will receive payments under the annuity payment option you select. However, unless you select an annuity payment option for a certain period that provides variable income payments, you may not take any other withdrawals.

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

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

#### TRANSACTION EXPENSES

---

| | |
|:---|:---|
| Transfer Fee <sup>(1)</sup> | $25 |

---

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Protective Life currently does not charge this Transfer Fee, but reserves the right to do so in the future for each transfer after the first 12 transfers in any Contract Year. We will give written notice thirty (30) days before we impose a Transfer Fee. (See "CHARGES AND DEDUCTIONS, Transfer Fee" in the Prospectus.)

**The next table describes the fees and expenses that you will pay *each year* during the time that you own the Contract, not including Fund fees and expenses. If you choose to purchase an optional benefit, you will pay additional charges, as shown below.**

#### ANNUAL CONTRACT EXPENSES

---

| | |
|:---|:---|
| Base Contract Expenses (as a percentage of average Variable Account value)<sup>(1)</sup> | 0.45% |

---

#### Optional Benefit Expenses

---

| | |
|:---|:---|
|  Return of Purchase Payments Death Benefit Fee (as an annualized percentage of the death benefit, beginning on the 1<sup>st</sup> Monthly Anniversary Date)  | 0.20% |

---

#### Protected Lifetime Income Benefits
SecurePay Life Rider Fee<sup>(2)</sup> (as an annualized percentage of the Benefit Base<sup>(3)</sup> on each Monthly Anniversary Date, beginning with the 1<sup>st</sup> Monthly Anniversary Date following election of the rider)

---

| | | |
|:---|:---|:---|
| | **Maximum**  | **Current**  |
|  Purchase of SecurePay Life rider at Contract Purchase  | 2.00% | See Rate Sheet Prospectus Supplement for current rates.  |
|  Purchase of SecurePay Life rider under RightTime  | 2.20% | See Rate Sheet Prospectus Supplement for current rates. |

---

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Contract Expenses include an administration charge and a mortality and expense risk charge.The administration charge is 0.15% (on an annual basis) of average daily net assets of the Variable Account. The mortality and expense charge may vary (decrease, increase, or stay the same) based on your Contract Value on the Contract Issue Date and on each Contract Quarterly Anniversary. The mortality and expense risk charge is 0.30% for Contract Value of $5,000 to $499,999, 0.25% for Contract Value of $500,000 to $999,999, or 0.20% for Contract Value of $1,000,000 or greater. For Contracts issued in California, the administration charge is 0.10% and the mortality and expense risk charge is 0.35% of Variable Account value. See "CHARGES AND DEDUCTIONS – Mortality and Expense Risk Charge" and "CHARGES AND DEDUCTIONS – Administration Charge" in the Prospectus for more information.

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(2)</sup>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We will give you at least 30 days' written notice before any increase in the SecurePay Fee. You may elect not to pay the increase in your SecurePay Fee. If you do, your SecurePay Life rider will not terminate, but your current Benefit Base will be capped at its then current value. You will continue to be assessed your current SecurePay Fee, however, even though you will have given up the opportunity for any future increases in your Benefit Base. See "THE SECUREPAY LIFE RIDER" in the Prospectus.

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(3)</sup>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Benefit Base is a value used to calculate the Annual Withdrawal Amounts, and the fees charged, under the SecurePay Life rider. If the rider is purchased at issue, your initial Benefit Base is equal to your initial purchase payments. If the rider is added through RightTime, your initial Benefit Base is equal to your Contract Value on the Rider Issue Date. For more information on the SecurePay Life rider, the Benefit Base and how it is calculated, please see "THE SECUREPAY LIFE RIDER" in the Prospectus.

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[**TABLE OF CONTENTS**](#TOC)

**The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. A complete list of Funds available under the Contract, including their annual expenses, can be found in an Appendix to this Summary Prospectus. (See "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT.")**

#### ANNUAL FUND EXPENSES

---

| | | |
|:---|:---|:---|
| | **Minimum**  | **Maximum**  |
|  Annual Fund Expenses **before** any waivers or expense reimbursements (expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)  | 0.03% | 2.86% |
| Annual Fund Expenses **after** any waivers or expense reimbursements <sup>(1)</sup> | 0.03% | 2.675% |

---

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The "Annual Fund Expenses **after** any waivers or expense reimbursements" line in the above table shows the range of minimum and maximum fees and expenses based on the expenses of all Funds after taking into account contractual fee waiver or expense reimbursement arrangements in place. Those contractual arrangements are designed to reduce total annual Fund operating expenses for Contract Owners and will continue past the current year.* 

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#### Example
**The following examples are intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. The examples show the costs of investing in the Contract, including transaction expenses, Base Contract Expenses, any optional rider charges, and both maximum and minimum Annual Fund Expenses.**

**The examples assume that you invest $100,000 in the Contract for the periods indicated. The examples also assume that your investment has a 5% return each year.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The first example assumes that you purchased the SecurePay Life rider with RightTime at the maximum rider fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The second example assumes that you have not purchased the the SecurePay Life rider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The examples also assume that the Return of Purchase Payments Death Benefit is in effect, and that all Contract Value is allocated to the Variable Account. The examples do not reflect transfer fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The examples do not reflect premium taxes, which may range up to 3.5% depending on the jurisdiction.

1. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you purchased the SecurePay Life rider under RightTime:

If you surrender, annuitize<sup>(1)</sup> or remain invested in the Contract at the end of the applicable time period:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **1 year**  | **3 years**  | **5 years**  | **10 years**  |
| Maximum Fund Expense  | $5436 | $16252 | $26994 | $53502 |
| Minimum Fund Expense  | $2709 | $8309 | $14161 | $29974 |

---

2. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you have not purchased the SecurePay Life rider:

If you surrender, annuitize<sup>(1)</sup> or remain invested in the Contract at the end of the applicable time period:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **1 year**  | **3 years**  | **5 years**  | **10 years**  |
| Maximum Fund Expense  | $3246 | $9903 | $16785 | $35029 |
| Minimum Fund Expense  | $491 | $1541 | $2687 | $6036 |

---

***Please remember that the examples are an illustration and do not guarantee the amount of future expenses. Your actual expenses may be higher or lower than those shown. Similarly, your rate of return may be more or less than the 5% rate of return assumed in the examples.***

<sup>(1)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You may not choose an Annuity Date that is less than 1 year after the Issue Date. For more information, see "ANNUITY PAYMENTS, Annuity Date, Changing the Annuity Date" section in the Prospectus. Neither the death benefit fee nor the SecurePay Fee apply after the Annuity Date.*

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#### APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
The following is a list of 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 www.protective.com/eprospectus. You can also request this information at no cost by calling 855-920-9713 or by sending an email request to prospectus@protective.com. Depending on the optional benefits you choose, you may not be able to invest in certain Funds.

The current expenses and performance information below reflects fee 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.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Discovery Value Portfolio - Class B | 1.06% | 9.72% | 8.57% | 7.36% | 4 |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Large Cap Growth Portfolio - Class B<sup>(1)</sup> | 0.90% | 24.95% | 15.87% | 15.67% | 3 |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Relative Value Portfolio - Class B<sup>(1)</sup> | 0.86% | 12.76% | 9.54% | 9.39% | 3 |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Small Cap Growth Portfolio - Class B<sup>(1)</sup> | 1.15% | 18.44% | 7.28% | 10.34% | 4 |
| Allocation | American Funds Insurance Series<sup>®</sup> American Funds<sup>®</sup> Global Balanced Fund - Class 4<sup>(1)</sup> | 1.01% | 6.32% | 4.56% | 5.65% | 2 |
| Allocation | American Funds Insurance Series<sup>®</sup> Asset Allocation Fund - Class 4 | 0.79% | 16.11% | 8.04% | 8.05% | 2 |
| Allocation | American Funds Insurance Series<sup>®</sup> Capital Income Builder<sup>®</sup> - Class 4<sup>(1)</sup> | 0.78% | 9.93% | 5.75% | 5.17% | 2 |
| Taxable Bond | American Funds Insurance Series<sup>®</sup> Capital World Bond Fund<sup>®</sup> - Class 4 | 0.98% | -3.32% | -2.65% | -0.33% | 1 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> Capital World Growth and Income Fund<sup>®</sup> - Class 4<sup>(1)</sup> | 0.92% | 13.70% | 7.04% | 8.17% | 3 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> Global Growth Fund - Class 4<sup>(1)</sup> | 0.91% | 13.39% | 9.49% | 10.46% | 3 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> Global Small Capitalization Fund - Class 4<sup>(1)</sup> | 1.15% | 2.12% | 2.74% | 5.54% | 4 |
| U.S. Equity | American Funds Insurance Series<sup>®</sup> Growth Fund - Class 4 | 0.84% | 31.29% | 18.53% | 16.29% | 3 |
| U.S. Equity | American Funds Insurance Series<sup>®</sup> Growth-Income Fund - Class 4 | 0.78% | 23.93% | 12.73% | 11.93% | 3 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> International Fund - Class 4 | 1.03% | 2.93% | 0.97% | 3.75% | 4 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> New World Fund<sup>®</sup> - Class 4<sup>(1)</sup> | 1.07% | 6.33% | 4.29% | 5.96% | 4 |
| Taxable Bond | American Funds Insurance Series<sup>®</sup> The Bond Fund of America<sup>®</sup> - Class 4<sup>(1)</sup> | 0.73% | 0.98% | 0.07% | 1.42% | 1 |
| Taxable Bond | American Funds Insurance Series<sup>®</sup> U.S. Government Securities Fund<sup>®</sup> - Class 4<sup>(1)</sup> | 0.75% | 0.44% | -0.13% | 0.84% | 1 |
| U.S. Equity | American Funds Insurance Series<sup>®</sup> Washington Mutual Investors Fund℠ - Class 4<sup>(1)</sup> | 0.75% | 18.85% | 11.92% | 9.99% | 3 |
| Allocation | BlackRock 60/40 Target Allocation ETF V.I. Fund - Class III<sup>(1)</sup> | 0.57% | 11.36% | 6.86% | 6.48% | 2 |
| Allocation | BlackRock Global Allocation V.I. Fund - Class III - BlackRock (Singapore) Limited; *BlackRock International Limited*<sup>(1)</sup> | 1.02% | 8.93% | 5.72% | 5.32% | 2 |
| International <br>Equity | BlackRock International V.I. Fund - Class I - BlackRock International Limited<sup>(1)</sup> | 0.86% | 0.37% | 3.49% | 4.61% | 4 |
| U.S. Equity | ClearBridge Variable Dividend Strategy Portfolio - Class II - ClearBridge Investments, LLC | 1.00% | 16.69% | 10.69% | 10.47% | 3 |

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[**TABLE OF CONTENTS**](#TOC)

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| U.S. Equity | ClearBridge Variable Large Cap Growth Portfolio - Class II - ClearBridge Investments, LLC | 0.99% | 27.56% | 14.46% |  | 3 |
| U.S. Equity | ClearBridge Variable Mid Cap Portfolio - Class II - ClearBridge Investments, LLC | 1.06% | 9.73% | 6.35% | 7.02% | 4 |
| U.S. Equity | ClearBridge Variable Small Cap Growth Portfolio - Class II - ClearBridge Investments, LLC | 1.05% | 4.23% | 5.13% | 7.66% | 4 |
| Allocation | Columbia Variable Portfolio - Balanced Fund - Class 2 | 1.00% | 14.30% | 9.15% | 8.25% | 2 |
| Taxable Bond | Columbia Variable Portfolio - Emerging Markets Bond Fund - Class 2<sup>(1)</sup> | 1.00% | 6.13% | 0.46% | 2.66% | 4 |
| Taxable Bond | Columbia Variable Portfolio - Intermediate Bond Fund - Class 2 | 0.77% | 1.73% | -0.06% | 1.65% | 1 |
| Taxable Bond | Columbia Variable Portfolio - Limited Duration Credit Fund - Class 2<sup>(1)</sup> | 0.66% | 4.64% | 1.81% | 2.08% | 1 |
| U.S. Equity | Columbia Variable Portfolio - Select Mid Cap Value Fund - Class 2<sup>(1)</sup> | 1.07% | 12.27% | 9.58% | 8.18% | 4 |
| Taxable Bond | Columbia Variable Portfolio - Strategic Income Fund - Class 2<sup>(1)</sup> | 0.94% | 4.51% | 1.82% | 3.10% | 2 |
| Allocation | Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* (formerly, Fidelity<sup>®</sup> VIP Asset Manager Portfolio) | 0.77% | 8.23% | 5.38% | 5.40% | 2 |
| Allocation | Fidelity<sup>®</sup> VIP Asset Manager 70% Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* (formerly, Fidelity<sup>®</sup> VIP Asset Manager: Growth Portfolio) | 0.88% | 10.55% | 7.19% | 6.79% | 3 |
| Allocation | Fidelity<sup>®</sup> VIP Balanced Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.67% | 15.58% | 10.57% | 9.35% | 2 |
| Taxable Bond | Fidelity<sup>®</sup> VIP Bond Index Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.39% | 1.00% | -0.72% |  | 1 |
| U.S. Equity | Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd*<sup>(2)</sup> | 0.81% | 33.45% | 16.74% | 13.33% | 3 |
| Sector Equity | Fidelity<sup>®</sup> VIP Energy Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.85% | 4.02% | 12.13% | 4.19% | 4 |
| U.S. Equity | Fidelity<sup>®</sup> VIP Extended Market Index Portfolio - Service Class 2 - Geode Capital Management, LLC | 0.38% | 12.03% | 8.53% |  | 4 |
| Allocation | Fidelity<sup>®</sup> VIP FundsManager 20% Portfolio - Service Class 2<sup>(1)</sup> | 0.66% | 5.39% | 2.80% | 3.16% | 1 |
| Allocation | Fidelity<sup>®</sup> VIP FundsManager 60% Portfolio - Service Class 2<sup>(1)</sup> | 0.81% | 9.45% | 6.41% | 6.51% | 3 |
| Allocation | Fidelity<sup>®</sup> VIP FundsManager 85% Portfolio - Service Class 2<sup>(1)</sup> | 0.86% | 12.38% | 8.57% | 8.45% | 3 |
| U.S. Equity | Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.82% | 38.56% | 18.46% | 17.93% | 4 |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| U.S. Equity | Fidelity<sup>®</sup> VIP Growth Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.81% | 30.07% | 18.63% | 16.34% | 3 |
| Sector Equity | Fidelity<sup>®</sup> VIP Health Care Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.84% | 4.86% | 5.19% | 7.81% | 3 |
| International <br>Equity | Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; FIL Investment Advisors; FIL Investment Advisors (UK) Ltd; Fidelity Management & Research (HK) Ltd* | 1.03% | 7.92% | 6.61% | 8.01% | 4 |
| International <br>Equity | Fidelity<sup>®</sup> VIP International Index Portfolio - Service Class 2 - Geode Capital Management, LLC | 0.42% | 4.82% | 3.83% |  | 3 |
| Taxable Bond | Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.63% | 1.50% | 0.20% | 1.68% | 1 |
| U.S. Equity | Fidelity<sup>®</sup> VIP Mid Cap Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.82% | 17.18% | 11.06% | 8.94% | 3 |
| Allocation | Fidelity<sup>®</sup> VIP Target Volatility Portfolio - Service Class 2<sup>(1)</sup> | 0.84% | 9.80% | 5.20% | 5.65% | 2 |
| Sector Equity | Fidelity<sup>®</sup> VIP Technology Portfolio - Initial Class - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.57% | 35.59% | 23.82% | 21.93% | 4 |
| U.S. Equity | Fidelity<sup>®</sup> VIP Total Market Index Portfolio - Service Class 2 - Geode Capital Management, LLC | 0.37% | 23.38% | 13.46% |  | 3 |
| Sector Equity | Fidelity<sup>®</sup> VIP Utilities Portfolio - Initial Class - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.61% | 29.00% | 9.56% | 9.77% | 3 |
| U.S. Equity | Fidelity<sup>®</sup> VIP Value Strategies Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; *Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd* | 0.84% | 9.16% | 11.93% | 9.37% | 4 |
| Allocation | First Trust Multi Income Allocation Portfolio - Class I <br> &nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup>  | 1.16% | 9.98% | 5.05% | 4.92% | 2 |
| Allocation | First Trust/Dow Jones Dividend & Income Allocation Portfolio - Class I | 1.18% | 6.01% | 4.48% | 6.14% | 2 |
| U.S. Equity | Franklin DynaTech VIP Fund - Class 2 - Franklin Advisers, Inc.  | 0.87% | 30.44% | 13.64% | 12.67% | 4 |
| Allocation | Franklin Income VIP Fund - Class 2 - Franklin Advisers, Inc.<sup>(1)</sup> | 0.72% | 7.20% | 5.29% | 5.27% | 2 |
| U.S. Equity | Franklin Rising Dividends VIP Fund - Class 2 - Franklin Advisers, Inc.<sup>(1)</sup> | 0.88% | 10.79% | 10.30% | 10.44% | 3 |
| U.S. Equity | Franklin Small Cap Value VIP Fund - Class 2 - Franklin Mutual Advisers, LLC<sup>(1)</sup> | 0.90% | 11.71% | 8.36% | 8.17% | 4 |
| U.S. Equity | Franklin Small-Mid Cap Growth VIP Fund - Class 2 - Franklin Advisers, Inc.<sup>(1)</sup> | 1.08% | 11.04% | 9.75% | 9.32% | 4 |
| Taxable Bond | Goldman Sachs VIT Core Fixed Income Fund - Service Class<sup>(1)</sup> | 0.67% | 0.89% | -0.42% | 1.17% | 1 |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| U.S. Equity | Goldman Sachs VIT Mid Cap Growth Fund - Service Class<sup>(1)</sup> | 0.98% | 20.23% | 11.04% | 10.20% | 4 |
| U.S. Equity | Goldman Sachs VIT Small Cap Equity Insights Fund - Service Class<sup>(1)</sup> | 1.06% | 18.76% | 8.73% | 8.69% | 4 |
| U.S. Equity | Goldman Sachs VIT Strategic Growth Fund - Service Class<sup>(1)</sup> | 0.96% | 31.99% | 16.47% | 14.61% | 3 |
| Allocation | Goldman Sachs VIT Trend Driven Allocation Fund - Service Class<sup>(1)</sup> | 0.96% | 11.73% | 4.77% | 4.16% | 2 |
| Allocation | Invesco<sup>®</sup> V.I. Balanced-Risk Allocation Fund - Series II<sup>(1)</sup> | 1.06% | 3.56% | 2.51% | 3.57% | 2 |
| U.S. Equity | Invesco<sup>®</sup> V.I. Comstock Fund - Series II | 1.01% | 14.87% | 11.31% | 9.21% | 3 |
| Allocation | Invesco<sup>®</sup> V.I. Equity and Income Fund - Series II | 0.82% | 11.91% | 8.12% | 7.09% | 2 |
| International <br>Equity | Invesco<sup>®</sup> V.I. Global Fund - Series II | 1.06% | 15.78% | 9.21% | 9.58% | 4 |
| Sector Equity | Invesco<sup>®</sup> V.I. Global Real Estate Fund - Series II - Invesco Asset Management Limited | 1.27% | -2.11% | -2.64% | 1.26% | 4 |
| Taxable Bond | Invesco<sup>®</sup> V.I. Government Securities Fund - Series II | 0.95% | 1.48% | -0.40% | 0.67% | 1 |
| U.S. Equity | Invesco<sup>®</sup> V.I. Growth and Income Fund - Series II | 1.00% | 15.72% | 9.81% | 8.53% | 3 |
| U.S. Equity | Invesco<sup>®</sup> V.I. Main Street Small Cap Fund<sup>®</sup> - Series II  | 1.11% | 12.41% | 10.21% | 8.73% | 4 |
| Buffer | Invesco® V.I. S&P 500 Buffer December Fund - Series II - Invesco Asset Management Limited <sup>(1)</sup> | 0.96% | 13.73% |  |  | 3 |
| Buffer | Invesco® V.I. S&P 500 Buffer June Fund - Series II - Invesco Asset Management Limited <sup>(1)</sup> | 0.96% | 13.76% |  |  | 3 |
| Buffer | Invesco® V.I. S&P 500 Buffer March Fund - Series II - Invesco Asset Management Limited <sup>(1)</sup> | 0.96% | 13.06% |  |  | 3 |
| Buffer | Invesco® V.I. S&P 500 Buffer September Fund - Series II - Invesco Asset Management Limited <sup>(1)</sup> | 0.96% | 10.02% |  |  | 3 |
| Money Market | Invesco<sup>®</sup> V.I. U.S. Government Money Portfolio - Series I  | 0.66% | 4.63% | 2.11% | 1.40% | 1 |
| Allocation | Janus Henderson Balanced Portfolio - Service Shares | 0.87% | 15.15% | 8.06% | 8.40% | 2 |
| U.S. Equity | Janus Henderson Forty Portfolio - Service Shares | 0.83% | 28.14% | 15.12% | 15.36% | 3 |
| International <br>Equity | Janus Henderson Global Sustainable Equity Portfolio - Service Shares<sup>(1)</sup> | 0.99% | 11.01% |  |  | 4 |
| Sector Equity | Janus Henderson Global Technology and Innovation Portfolio - Service Shares | 0.97% | 31.76% | 17.80% | 19.06% | 4 |
| International <br>Equity | Janus Henderson Overseas Portfolio - Service Shares | 1.13% | 5.58% | 6.95% | 5.29% | 4 |
| Taxable Bond | Lord Abbett Series Fund - Bond Debenture Portfolio - Class VC | 0.99% | 6.72% | 1.90% | 3.73% | 2 |
| U.S. Equity | Lord Abbett Series Fund - Dividend Growth Portfolio - Class VC<sup>(1)</sup> | 0.99% | 22.14% | 12.23% | 11.16% | 3 |
| U.S. Equity | Lord Abbett Series Fund - Fundamental Equity Portfolio - Class VC<sup>(1)</sup> | 1.08% | 16.65% | 8.81% | 7.91% | 4 |
| U.S. Equity | Lord Abbett Series Fund - Growth Opportunities Portfolio - Class VC | 1.13% | 30.61% | 7.67% | 9.37% | 4 |
| Taxable Bond | Lord Abbett Series Fund - Short Duration Income Portfolio - Class VC | 0.84% | 5.14% | 1.70% | 2.09% | 1 |
| U.S. Equity | MFS<sup>®</sup> VIT Growth Series - Service Class<sup>(1)</sup> | 0.97% | 31.15% | 14.46% | 14.82% | 3 |
| U.S. Equity | MFS<sup>®</sup> VIT II Core Equity Portfolio - Service Class<sup>(1)</sup> | 1.04% | 19.87% | 12.45% | 12.18% | 3 |
| International <br>Equity | MFS<sup>®</sup> VIT II International Growth Portfolio - Service Class<sup>(1)</sup> | 1.13% | 8.76% | 5.84% | 7.56% | 3 |
| International <br>Equity | MFS<sup>®</sup> VIT II International Intrinsic Value Portfolio - Service Class<sup>(1)</sup> | 1.14% | 6.97% | 4.88% | 7.26% | 3 |
| U.S. Equity | MFS<sup>®</sup> VIT II Massachusetts Investors Growth Stock Portfolio - Service Class<sup>(1)</sup> | 0.97% | 15.98% | 12.16% | 12.91% | 3 |

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[**TABLE OF CONTENTS**](#TOC)

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **Average Annual Total Returns <br>*(as of 12/31/2024)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset<br>Allocation <br>Type** | **Portfolio Company - Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses**  | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| Foreign Large <br>Blend | MFS<sup>®</sup> VIT II Research International Portfolio - Service Class<sup>(1)</sup> | 1.14% | 2.78% | 3.64% | 4.95% | 4 |
| U.S. Equity | MFS<sup>®</sup> VIT III Blended Research<sup>®</sup> Small Cap Equity Portfolio - Service Class<sup>(1)</sup> | 0.82% | 4.65% | 5.94% | 7.75% | 4 |
| Global Real <br>Estate | MFS<sup>®</sup> VIT III Global Real Estate Portfolio - Service Class<sup>(1)</sup> | 1.15% | -2.92% | 0.66% | 4.47% | 4 |
| Mid-Cap Value | MFS<sup>®</sup> VIT III Mid Cap Value Portfolio - Service Class<sup>(1)</sup> | 1.04% | 13.52% | 9.47% | 8.78% | 4 |
| Mid-Cap Growth | MFS<sup>®</sup> VIT Mid Cap Growth Series - Service Class<sup>(1)</sup> | 1.05% | 14.44% | 8.85% | 11.43% | 4 |
| U.S. Equity | MFS<sup>®</sup> VIT New Discovery Series - Service Class<sup>(1)</sup> | 1.12% | 6.44% | 4.71% | 8.92% | 4 |
| Allocation | MFS<sup>®</sup> VIT Total Return Series - Service Class<sup>(1)</sup> | 0.86% | 7.46% | 5.89% | 6.20% | 3 |
| U.S. Equity | Morgan Stanley VIF Discovery Portfolio - Class II<sup>(1)</sup> | 1.05% | 41.73% | 11.11% | 12.02% | 4 |
| International <br>Equity | Morgan Stanley VIF Global Strategist Portfolio - Class II<sup>(1)</sup> | 1.00% | 7.42% | 4.02% | 4.35% | 2 |
| U.S. Equity | Morgan Stanley VIF Growth Portfolio - Class II<sup>(1)</sup> | 0.82% | 61.01% | 15.54% | 16.37% | 4 |
| Allocation | PIMCO VIT All Asset Portfolio - Advisor Class - Research Affiliates LLC<sup>(1)</sup> | 2.365% | 3.57% | 4.31% | 4.25% | 2 |
| Commodities | PIMCO VIT CommodityRealReturn<sup>®</sup> Strategy Portfolio - Advisor Class<sup>(1)</sup> | 2.38% | 3.97% | 6.98% | 1.55% | 4 |
| Taxable Bond | PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class | 1.38% | 7.42% | 0.82% | 3.27% | 2 |
| Allocation | PIMCO VIT Global Diversified Allocation Portfolio - Advisor Class<sup>(1)</sup> | 1.28% | 9.02% | 3.12% | 4.36% | 2 |
| Taxable Bond | PIMCO VIT High Yield Portfolio - Advisor Class | 0.90% | 6.78% | 3.25% | 4.39% | 2 |
| Taxable Bond | PIMCO VIT Income Portfolio - Advisor Class | 1.16% | 5.30% | 2.61% |  | 2 |
| Taxable Bond | PIMCO VIT Long-Term U.S. Government Portfolio - Advisor Class | 2.675% | -6.10% | -5.02% | -0.82% | 2 |
| Taxable Bond | PIMCO VIT Low Duration Portfolio - Advisor Class | 0.77% | 4.39% | 0.98% | 1.18% | 1 |
| Taxable Bond | PIMCO VIT Real Return Portfolio - Advisor Class | 1.17% | 2.03% | 1.83% | 2.05% | 2 |
| Taxable Bond | PIMCO VIT Short-Term Portfolio - Advisor Class | 0.72% | 5.95% | 2.66% | 2.29% | 1 |
| Taxable Bond | PIMCO VIT Total Return Portfolio - Advisor Class | 0.89% | 2.43% | -0.13% | 1.43% | 1 |
| Allocation | Protective Life Dynamic Allocation Series - Conservative Portfolio<sup>(1)</sup> | 0.90% | 7.20% | 2.29% |  | 1 |
| Allocation | Protective Life Dynamic Allocation Series - Growth Portfolio<sup>(1)</sup> | 0.90% | 18.34% | 4.73% |  | 3 |
| Allocation | Protective Life Dynamic Allocation Series - Moderate Portfolio  | 0.90% | 9.20% | 3.20% |  | 2 |
| Money Market | Schwab<sup>®</sup> Government Money Market Portfolio™ | 0.26% | 5.07% | 2.32% | 1.55% | 1 |
| U.S. Equity | Schwab<sup>®</sup> S&P 500 Index Portfolio | 0.03% | 24.95% | 14.47% | 13.01% | 3 |
| Allocation | Schwab<sup>®</sup> VIT Balanced Portfolio | 0.57% | 7.86% | 3.82% | 4.03% | 2 |
| Allocation | Schwab<sup>®</sup> VIT Balanced with Growth Portfolio | 0.55% | 9.98% | 5.41% | 5.39% | 2 |
| Allocation | Schwab<sup>®</sup> VIT Growth Portfolio | 0.55% | 11.78% | 6.78% | 6.64% | 3 |
| U.S. Equity | T. Rowe Price<sup>®</sup> All-Cap Opportunities Portfolio<sup>(1)</sup> | 0.80% | 25.16% | 17.18% | 16.13% | 3 |
| U.S. Equity | T. Rowe Price<sup>®</sup> Blue Chip Growth Portfolio - II Class | 0.99% | 35.17% | 14.18% | 14.48% | 3 |
| Sector Equity | T. Rowe Price<sup>®</sup> Health Sciences Portfolio - II Class | 1.10% | 1.42% | 5.81% | 8.20% | 4 |
| Allocation | T. Rowe Price<sup>®</sup> Moderate Allocation Portfolio<sup>(1)</sup> | 0.86% | 10.06% | 5.51% | 6.39% | 2 |
| International <br>Equity | Templeton Developing Markets VIP Fund - Class 2 - Franklin Templeton Investment Management, Ltd<sup>(1)</sup> | 1.36% | 7.67% | 0.88% | 3.98% | 4 |
| Taxable Bond | Templeton Global Bond VIP Fund - Class 2 - Franklin Advisers, Inc.<sup>(1)</sup> | 0.75% | -11.37% | -4.85% | -2.03% | 2 |

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**[**TABLE OF CONTENTS**](#TOC)

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Asset Allocation Type | Portfolio Company - Investment Adviser; *Sub-Adviser(s), as applicable* | Current Expenses  | Average Annual Total Returns *(as of 12/31/2024)* | Average Annual Total Returns *(as of 12/31/2024)* | Average Annual Total Returns *(as of 12/31/2024)* | SecurePay Life Rider Allocation Investment Category<sup>(2)</sup> |
| Asset Allocation Type | Portfolio Company - Investment Adviser; *Sub-Adviser(s), as applicable* | Current Expenses  | 1 Year | 5 Year | 10 Year | SecurePay Life Rider Allocation Investment Category<sup>(2)</sup> |
| Taxable Bond | *Western Asset Core Plus VIT Portfolio - Class II - Western Asset Management Company Pte Ltd. – Singapore; Western Asset Management Company, LLC; Western Asset Management Company Ltd. – Japan; Western Asset Management Company Limited – UK* | 0.78% | -0.86% | -1.42% |  | 1 |

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<sup>(1)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These Funds and their investment advisers have entered into contractual fee waivers or expense reimbursement arrangements. These 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>(2)</sup>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you have purchased the SecurePay Life rider, you must allocate your Purchase Payments and Contract Value in accordance with the Allocation Guidelines and Restrictions that we have established. The following table specifies the minimum and maximum percentages of your Contract Value that must be allocated to each of the four Investment Categories during the accumulation phase in order for you to remain eligible for benefits under the SecurePay Life rider (unless you are fully invested in a Benefit Allocation Model or a permissible single investment option). You can select the percentage of Contract Value to allocate to individual Funds within each group, but the total investment for all Funds in a group must comply with the specified minimum and maximum percentages for that group. See "ALLOCATION GUIDELINES AND RESTRICTIONS FOR PROTECTED LIFETIME INCOME BENEFITS" in the Prospectus.*

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| | | |
|:---|:---|:---|
| Investment Category | Minimum Allocation | Maximum Allocation |
| 1 | 40% | 100% |
| 2 | 0% | 60% |
| 3 | 0% | 25% |
| 4 | Not Permitted | Not Permitted |

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[**TABLE OF CONTENTS**](#TOC)

This Summary Prospectus incorporates by reference the Schwab Genesis Variable Annuity Contract's Prospectus and Statement of Additional Information (SAI), both dated April 29, 2025, as amended or supplemented. The SAI may be obtained, free of charge, in the same manner as the Prospectus.

EDGAR Contract Identifier: C000222312

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