# EDGAR Filing Document

**Accession Number:** 0001017963
**File Stem:** 0001017963-26-000012
**Filing Date:** 2026-4
**Character Count:** 474694
**Document Hash:** 2468138e5601f8a3dba1e6d66cced7bf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001017963-26-000012.hdr.sgml**: 20260423

**ACCESSION NUMBER**: 0001017963-26-000012

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 9

**FILED AS OF DATE**: 20260423

**DATE AS OF CHANGE**: 20260423

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT VL I OF TALCOTT RESOLUTION LIFE & ANNUITY INSURANCE CO
- **CENTRAL INDEX KEY:** 0001017963

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-07329
- **FILM NUMBER:** 26887006

**BUSINESS ADDRESS:**
- **STREET 1:** 213 WASHINGTON ST
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102
- **BUSINESS PHONE:** 973-802-3716

**MAIL ADDRESS:**
- **STREET 1:** 1 AMERICAN ROW
- **CITY:** HARTFORD
- **STATE:** CT
- **ZIP:** 06103

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HARTFORD LIFE & ANNUITY INSURANCE CO SEP ACCOUNT VL I
- **DATE OF NAME CHANGE:** 20020826

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ITT HARTFORD LIFE & ANNUITY INSURANCE CO SEP ACCOUNT VL I
- **DATE OF NAME CHANGE:** 19960702
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT VL I OF TALCOTT RESOLUTION LIFE & ANNUITY INSURANCE CO
- **CENTRAL INDEX KEY:** 0001017963

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-88787
- **FILM NUMBER:** 26887005

**BUSINESS ADDRESS:**
- **STREET 1:** 213 WASHINGTON ST
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102
- **BUSINESS PHONE:** 973-802-3716

**MAIL ADDRESS:**
- **STREET 1:** 1 AMERICAN ROW
- **CITY:** HARTFORD
- **STATE:** CT
- **ZIP:** 06103

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HARTFORD LIFE & ANNUITY INSURANCE CO SEP ACCOUNT VL I
- **DATE OF NAME CHANGE:** 20020826

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ITT HARTFORD LIFE & ANNUITY INSURANCE CO SEP ACCOUNT VL I
- **DATE OF NAME CHANGE:** 19960702

## Series and Classes Contracts Data

### SEPARATE ACCOUNT VL I OF TALCOTT RESOLUTION LIFE & ANNUITY INSURANCE CO (Series ID: S000003058)

| Class ID   | Class Name                                            | Ticker Symbol   |
|:---|:---|:---|
| C000008327 | Stag Protector II Variable Universal Life (Series II) |  |

---

| | |
|:---|:---|
| **As filed with the SEC on <u>April 23, 2026</u> .** | **Registration Nos. 333-88787** <br>**811-07329** |

---

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM N-6**

---

| | |
|:---|:---|
| **REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** | **REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pre-Effective Amendment No. ___ | &nbsp;&nbsp;&nbsp;&nbsp;**☐** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Post-Effective Amendment No. 35 | &nbsp;&nbsp;&nbsp;&nbsp;**☑** |
| and/or | and/or |
| **REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940** | **REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendment No. 201 | &nbsp;&nbsp;&nbsp;&nbsp;**☑** |
| <u>(Check appropriate box or boxes.)</u> | <u>(Check appropriate box or boxes.)</u> |

---

**SEPARATE ACCOUNT VL I OF TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE CO.**

(Exact Name of Registrant)

**TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY**

(Name of Depositor)

**1 American Row**

**Hartford, CT 06103**

**800-231-5453**

(Address of principal executive offices and telephone number)

_________________

**Margaret M. Foran**

**The Prudential Insurance Company of America**

**751 Broad Street**

**Newark, New Jersey 07102**

(Name and address of agent for service)

_________________

---

| |
|:---|
| Approximate Date of Proposed Public Offering: ___ |
| **It is proposed that this filing will become effective (check appropriate space):** |
| **□** immediately upon filing pursuant to paragraph (b) of Rule 485 |
| **☑** on <u>May 1, 2026</u> pursuant to paragraph (b) of rule 485 |
| **☐** 60 days after filing pursuant to paragraph (a)(1) of Rule 485 |
| **☐** on pursuant to paragraph (a)(1) of Rule 485 |
| **If appropriate, check the following box:** |
| **☐** This Post-Effective Amendment designates a new effective date for a previously filed Post-Effective Amendment. |

---

------

***STAG PROTECTOR® II VARIABLE UNIVERSAL LIFE***

AN INDIVIDUAL, FLEXIBLE PREMIUM, VARIABLE UNIVERSAL LIFE INSURANCE POLICY ISSUED BY:

**TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY**

**Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company** 

ADMINISTERED BY:

**THE PRUDENTIAL INSURANCE COMPANY OF AMERICA** 

**751 BROAD STREET**

**NEWARK, NJ 07102**

**TELEPHONE: 800-231-5453** 

**PROSPECTUS DATED: May 1, 2026**

***Talcott Resolution Life and Annuity Insurance Company no longer offers these Policies for sale.***

This prospectus describes the *Stag Protector® II Variable Universal Life* insurance Policy (the "Policy"). Policy Owners should note that the options, features and charges of the Policy may have varied over time. For more information about the particular options, features and charges applicable to you, please contact your financial professional and/or refer to your Policy. Some Policy features may not be available in some states.

Capitalized terms used in this prospectus are defined where first used or in the **GLOSSARY: Definitions Of Special Terms Used In This Prospectus**.

*Stag Protector® II Variable Universal Life* is a contract between you (the "Policy Owner") and Talcott Resolution Life and Annuity Insurance Company ("Talcott", "TLA", "the Company", "us", "we", or "our"). Talcott does not solicit or issue insurance products in New York. The Policy is a flexible premium variable universal life insurance policy. It is:

---

| | |
|:---|:---|
| **\|** | Flexible premium, because generally, you may decide when to make premium payments and in what amounts. |
| **\|** | Variable, because the value of your life insurance Policy will fluctuate with the performance of the Funds you select and the Fixed Account. |

---

You may allocate your premium payment to "Sub-Accounts." The Sub-Accounts then purchase shares of mutual funds ("Funds") set up exclusively for variable annuity or variable life insurance products and certain other non-public investors. These are not the same mutual funds that you buy through your direct brokerage account or through a retail mutual fund even though they may have similar investment strategies and the same portfolio managers as retail mutual funds. This Policy offers you Funds with investment strategies ranging from conservative to aggressive and you may pick those Funds that meet your investment goals and risk tolerance. The Policy offers a wide variety of Funds from the firms listed below. The Funds are described in greater detail in **APPENDIX A: Funds Available Under the Policy** section of this prospectus.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• AllianceBernstein** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Franklin Templeton®** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• MFS®** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• American Funds®** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Hartford** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Morgan Stanley** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• BlackRock** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Invesco** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Putnam** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Fidelity® Investments** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Lord Abbett** | |

---

You may also choose to invest your premium payments in the Fixed Account.

This prospectus does not constitute an offering in any jurisdiction in which such offering may not be lawfully made. No person is authorized to make any representations in connection with this offering other than those contained in this prospectus. Replacing any existing life insurance policy with this Policy may not be to your advantage.

In compliance with United States law, Talcott Resolution Life and Annuity Insurance Company delivers this prospectus to Policy Owners that currently reside outside of the United States.

Additional information about certain investment products, including variable life insurance, has been prepared by the Securities and Exchange Commission's ("SEC") staff and is available at www.Investor.gov.

**Neither the SEC nor any state securities commission has approved or disapproved of these securities or determined that this Policy is a good investment, nor has the SEC determined that this prospectus is complete or accurate. It is a criminal offense to state otherwise.**

**The Policy was available for purchase through registered representatives located in banks and other financial institutions. Investment in a variable life insurance contract is subject to risk, including the possible loss of your money. An investment in *Stag Protector® II Variable Universal Life* is not a bank deposit and is not insured by the Federal Deposit Insurance Corporation ("FDIC") or any other governmental agency.** 

------

**Table of Contents**

---

| | |
|:---|:---|
| | **Page** |
| **<u>[KEY INFORMATION](#ib3d5e05577b4484d87f19cafe5856f40_7)</u>** | **<u>[1](#ib3d5e05577b4484d87f19cafe5856f40_7)</u>** |
| **<u>[OVERVIEW OF THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_10)</u>** | **<u>[3](#ib3d5e05577b4484d87f19cafe5856f40_10)</u>** |
| **<u>[FEE TABLE](#ib3d5e05577b4484d87f19cafe5856f40_13)</u>** | **<u>[4](#ib3d5e05577b4484d87f19cafe5856f40_13)</u>** |
| **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** | **<u>[6](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** |
| **<u>[GENERAL DESCRIPTIONS OF TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS](#ib3d5e05577b4484d87f19cafe5856f40_19)</u>** | <br>**<u>[7](#ib3d5e05577b4484d87f19cafe5856f40_19)</u>** |
| <u>[Talcott Resolution Life and Annuity Insurance Company](#ib3d5e05577b4484d87f19cafe5856f40_22)</u> | <u>[7](#ib3d5e05577b4484d87f19cafe5856f40_22)</u> |
| <u>[Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company](#ib3d5e05577b4484d87f19cafe5856f40_25)</u> | <u>[7](#ib3d5e05577b4484d87f19cafe5856f40_25)</u> |
| <u>[The Funds](#ib3d5e05577b4484d87f19cafe5856f40_28)</u> | <u>[7](#ib3d5e05577b4484d87f19cafe5856f40_28)</u> |
| <u>[Fees and Payments Payable To Prudential](#ib3d5e05577b4484d87f19cafe5856f40_31)</u> | <u>[8](#ib3d5e05577b4484d87f19cafe5856f40_31)</u> |
| <u>[Voting Rights](#ib3d5e05577b4484d87f19cafe5856f40_34)</u> | <u>[8](#ib3d5e05577b4484d87f19cafe5856f40_34)</u> |
| <u>[Substitution, Additions, or Deletions Of Funds](#ib3d5e05577b4484d87f19cafe5856f40_37)</u> | <u>[8](#ib3d5e05577b4484d87f19cafe5856f40_37)</u> |
| <u>[The Fixed Account](#ib3d5e05577b4484d87f19cafe5856f40_40)</u> | <u>[9](#ib3d5e05577b4484d87f19cafe5856f40_40)</u> |
| **<u>[CHARGES AND DEDUCTIONS](#ib3d5e05577b4484d87f19cafe5856f40_43)</u>** | **<u>[9](#ib3d5e05577b4484d87f19cafe5856f40_43)</u>** |
| <u>[Front-End Sales Load](#ib3d5e05577b4484d87f19cafe5856f40_46)</u> | <u>[9](#ib3d5e05577b4484d87f19cafe5856f40_46)</u> |
| <u>[Tax Charge](#ib3d5e05577b4484d87f19cafe5856f40_49)</u> | <u>[9](#ib3d5e05577b4484d87f19cafe5856f40_49)</u> |
| <u>[Cost of Insurance Charge](#ib3d5e05577b4484d87f19cafe5856f40_52)</u> | <u>[9](#ib3d5e05577b4484d87f19cafe5856f40_52)</u> |
| <u>[Mortality and Expense Risk Charge](#ib3d5e05577b4484d87f19cafe5856f40_55)</u> | <u>[10](#ib3d5e05577b4484d87f19cafe5856f40_55)</u> |
| <u>[Monthly Per $1,000 Charge](#ib3d5e05577b4484d87f19cafe5856f40_818)</u> | <u>[10](#ib3d5e05577b4484d87f19cafe5856f40_818)</u> |
| <u>[Monthly Administrative Charge](#ib3d5e05577b4484d87f19cafe5856f40_58)</u> | <u>[10](#ib3d5e05577b4484d87f19cafe5856f40_58)</u> |
| <u>[Surrender Charge](#ib3d5e05577b4484d87f19cafe5856f40_64)</u> | <u>[10](#ib3d5e05577b4484d87f19cafe5856f40_64)</u> |
| <u>[Transaction Charges](#ib3d5e05577b4484d87f19cafe5856f40_67)</u> | <u>[11](#ib3d5e05577b4484d87f19cafe5856f40_67)</u> |
| <u>[Charges for Rider Coverage](#ib3d5e05577b4484d87f19cafe5856f40_70)</u> | <u>[11](#ib3d5e05577b4484d87f19cafe5856f40_70)</u> |
| <u>[Fund Expenses](#ib3d5e05577b4484d87f19cafe5856f40_73)</u> | <u>[11](#ib3d5e05577b4484d87f19cafe5856f40_73)</u> |
| <u>[Net Interest On Loans](#ib3d5e05577b4484d87f19cafe5856f40_76)</u> | <u>[11](#ib3d5e05577b4484d87f19cafe5856f40_76)</u> |
| <u>[Allocation of Charges Option](#ib3d5e05577b4484d87f19cafe5856f40_79)</u> | <u>[11](#ib3d5e05577b4484d87f19cafe5856f40_79)</u> |
| <u>[Commissions Paid To Broker-Dealers](#ib3d5e05577b4484d87f19cafe5856f40_82)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_82)</u> |
| **<u>[PERSONS HAVING RIGHTS UNDER THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_85)</u>** | **<u>[12](#ib3d5e05577b4484d87f19cafe5856f40_85)</u>** |
| <u>[The Policy Owner](#ib3d5e05577b4484d87f19cafe5856f40_88)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_88)</u> |
| <u>[The Insured](#ib3d5e05577b4484d87f19cafe5856f40_91)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_91)</u> |
| <u>[The Beneficiary](#ib3d5e05577b4484d87f19cafe5856f40_94)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_94)</u> |
| **<u>[OTHER GENERAL POLICY PROVISIONS](#ib3d5e05577b4484d87f19cafe5856f40_97)</u>** | **<u>[12](#ib3d5e05577b4484d87f19cafe5856f40_97)</u>** |
| <u>[Policy Termination](#ib3d5e05577b4484d87f19cafe5856f40_908)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_908)</u> |
| <u>[Modification of Policy](#ib3d5e05577b4484d87f19cafe5856f40_100)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_100)</u> |
| <u>[Change of Address](#ib3d5e05577b4484d87f19cafe5856f40_103)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_103)</u> |
| <u>[Assignment](#ib3d5e05577b4484d87f19cafe5856f40_106)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_106)</u> |
| <u>[Incontestability](#ib3d5e05577b4484d87f19cafe5856f40_109)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_109)</u> |
| <u>[Misstatement Of Age/Or Sex](#ib3d5e05577b4484d87f19cafe5856f40_112)</u> | <u>[12](#ib3d5e05577b4484d87f19cafe5856f40_112)</u> |
| <u>[Suicide Exclusion](#ib3d5e05577b4484d87f19cafe5856f40_115)</u> | <u>[13](#ib3d5e05577b4484d87f19cafe5856f40_115)</u> |
| <u>[Reduced Charges](#ib3d5e05577b4484d87f19cafe5856f40_118)</u> | <u>[13](#ib3d5e05577b4484d87f19cafe5856f40_118)</u> |
| **<u>[DEATH BENEFITS](#ib3d5e05577b4484d87f19cafe5856f40_121)</u>** | **<u>[13](#ib3d5e05577b4484d87f19cafe5856f40_121)</u>** |
| <u>[Death Benefit Options](#ib3d5e05577b4484d87f19cafe5856f40_124)</u>  | <u>[13](#ib3d5e05577b4484d87f19cafe5856f40_124)</u> |
| <u>[Changing the Death Benefit Option](#ib3d5e05577b4484d87f19cafe5856f40_127)</u> | <u>[13](#ib3d5e05577b4484d87f19cafe5856f40_127)</u> |
| <u>[Increasing or Decreasing the Face Amount](#ib3d5e05577b4484d87f19cafe5856f40_130)</u> | <u>[14](#ib3d5e05577b4484d87f19cafe5856f40_130)</u> |

---

------

---

| | |
|:---|:---|
| <u>[Death Claim Settlement Options](#ib3d5e05577b4484d87f19cafe5856f40_133)</u> | <u>[14](#ib3d5e05577b4484d87f19cafe5856f40_133)</u> |
| <u>[Benefits at Maturity](#ib3d5e05577b4484d87f19cafe5856f40_136)</u> | <u>[14](#ib3d5e05577b4484d87f19cafe5856f40_136)</u> |
| <u>[When Death Benefit Proceeds Are Paid](#ib3d5e05577b4484d87f19cafe5856f40_139)</u> | <u>[15](#ib3d5e05577b4484d87f19cafe5856f40_139)</u> |
| **<u>[OTHER BENEFITS AVAILABLE UNDER THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_142)</u>** | **<u>[15](#ib3d5e05577b4484d87f19cafe5856f40_142)</u>** |
| **<u>[NO LAPSE GUARANTEE](#ib3d5e05577b4484d87f19cafe5856f40_145)</u>** | **<u>[17](#ib3d5e05577b4484d87f19cafe5856f40_145)</u>** |
| **<u>[RIDERS](#ib3d5e05577b4484d87f19cafe5856f40_148)</u>** | **<u>[18](#ib3d5e05577b4484d87f19cafe5856f40_148)</u>** |
| <u>[Enhanced No Lapse Guarantee Rider](#ib3d5e05577b4484d87f19cafe5856f40_151)</u> | <u>[18](#ib3d5e05577b4484d87f19cafe5856f40_151)</u> |
| <u>[Lifetime No Lapse Guarantee Rider](#ib3d5e05577b4484d87f19cafe5856f40_830)</u> | <u>[18](#ib3d5e05577b4484d87f19cafe5856f40_830)</u> |
| <u>[Waiver of Specified Amount Disability Benefit Rider](#ib3d5e05577b4484d87f19cafe5856f40_154)</u> | <u>[18](#ib3d5e05577b4484d87f19cafe5856f40_154)</u> |
| <u>[Deduction Amount Waiver Rider](#ib3d5e05577b4484d87f19cafe5856f40_157)</u> | <u>[19](#ib3d5e05577b4484d87f19cafe5856f40_157)</u> |
| <u>[Accidental Death Benefit Rider](#ib3d5e05577b4484d87f19cafe5856f40_160)</u> | <u>[19](#ib3d5e05577b4484d87f19cafe5856f40_160)</u> |
| <u>[Cost of Living Adjustment Rider](#ib3d5e05577b4484d87f19cafe5856f40_840)</u> | <u>[19](#ib3d5e05577b4484d87f19cafe5856f40_160)</u> |
| <u>[Term Insurance Rider](#ib3d5e05577b4484d87f19cafe5856f40_163)</u> | <u>[20](#ib3d5e05577b4484d87f19cafe5856f40_163)</u> |
| <u>[Child Insurance Rider](#ib3d5e05577b4484d87f19cafe5856f40_849)</u> | <u>[20](#ib3d5e05577b4484d87f19cafe5856f40_849)</u> |
| <u>[Accelerated Death Benefit Rider for Terminal Illness](#ib3d5e05577b4484d87f19cafe5856f40_864)</u> | <u>[20](#ib3d5e05577b4484d87f19cafe5856f40_864)</u> |
| <u>[LifeAccess Accelerated Benefit Rider](#ib3d5e05577b4484d87f19cafe5856f40_859)</u> | <u>[21](#ib3d5e05577b4484d87f19cafe5856f40_859)</u> |
| <u>[Policy Continuation Rider](#ib3d5e05577b4484d87f19cafe5856f40_880)</u> | <u>[23](#ib3d5e05577b4484d87f19cafe5856f40_880)</u> |
| **<u>[REQUIREMENTS FOR ISSUANCE OF A POLICY](#ib3d5e05577b4484d87f19cafe5856f40_166)</u>** | **<u>[24](#ib3d5e05577b4484d87f19cafe5856f40_166)</u>** |
| <u>[Application for a Policy](#ib3d5e05577b4484d87f19cafe5856f40_169)</u> | <u>[24](#ib3d5e05577b4484d87f19cafe5856f40_169)</u> |
| <u>[Policy Date](#ib3d5e05577b4484d87f19cafe5856f40_172)</u> | <u>[24](#ib3d5e05577b4484d87f19cafe5856f40_172)</u> |
| **<u>[PREMIUMS](#ib3d5e05577b4484d87f19cafe5856f40_175)</u>** | **<u>[24](#ib3d5e05577b4484d87f19cafe5856f40_175)</u>** |
| <u>[Allocation of Premiums](#ib3d5e05577b4484d87f19cafe5856f40_178)</u> | <u>[25](#ib3d5e05577b4484d87f19cafe5856f40_178)</u> |
| <u>[Accumulation Units](#ib3d5e05577b4484d87f19cafe5856f40_181)</u> | <u>[25](#ib3d5e05577b4484d87f19cafe5856f40_181)</u> |
| <u>[Transfers And Restrictions On Transfers](#ib3d5e05577b4484d87f19cafe5856f40_184)</u> | <u>[26](#ib3d5e05577b4484d87f19cafe5856f40_184)</u> |
| <u>[Dollar Cost Averaging](#ib3d5e05577b4484d87f19cafe5856f40_187)</u> | <u>[28](#ib3d5e05577b4484d87f19cafe5856f40_187)</u> |
| <u>[Static Asset Allocation Models](#ib3d5e05577b4484d87f19cafe5856f40_190)</u> | <u>[28](#ib3d5e05577b4484d87f19cafe5856f40_190)</u> |
| <u>[Asset Rebalancing](#ib3d5e05577b4484d87f19cafe5856f40_193)</u> | <u>[28](#ib3d5e05577b4484d87f19cafe5856f40_193)</u> |
| **<u>[POLICY VALUES](#ib3d5e05577b4484d87f19cafe5856f40_196)</u>** | **<u>[29](#ib3d5e05577b4484d87f19cafe5856f40_196)</u>** |
| <u>[Account Value](#ib3d5e05577b4484d87f19cafe5856f40_199)</u> | <u>[29](#ib3d5e05577b4484d87f19cafe5856f40_199)</u> |
| <u>[Loans](#ib3d5e05577b4484d87f19cafe5856f40_202)</u> | <u>[29](#ib3d5e05577b4484d87f19cafe5856f40_202)</u> |
| <u>[Withdrawals](#ib3d5e05577b4484d87f19cafe5856f40_205)</u> | <u>[29](#ib3d5e05577b4484d87f19cafe5856f40_205)</u> |
| <u>[Surrender of a Policy](#ib3d5e05577b4484d87f19cafe5856f40_208)</u> | <u>[29](#ib3d5e05577b4484d87f19cafe5856f40_208)</u> |
| <u>[When Proceeds Are Paid](#ib3d5e05577b4484d87f19cafe5856f40_211)</u> | <u>[30](#ib3d5e05577b4484d87f19cafe5856f40_211)</u> |
| **<u>[LAPSE AND REINSTATEMENT](#ib3d5e05577b4484d87f19cafe5856f40_214)</u>** | **<u>[30](#ib3d5e05577b4484d87f19cafe5856f40_214)</u>** |
| **<u>[TAXES](#ib3d5e05577b4484d87f19cafe5856f40_217)</u>** | **<u>[30](#ib3d5e05577b4484d87f19cafe5856f40_217)</u>** |
| <u>[Tax Treatment Of Policy Benefits](#ib3d5e05577b4484d87f19cafe5856f40_220)</u> | <u>[30](#ib3d5e05577b4484d87f19cafe5856f40_220)</u> |
| <u>[Company Taxes](#ib3d5e05577b4484d87f19cafe5856f40_223)</u> | <u>[33](#ib3d5e05577b4484d87f19cafe5856f40_223)</u> |
| **<u>[DISTRIBUTION AND COMPENSATION](#ib3d5e05577b4484d87f19cafe5856f40_226)</u>** | **<u>[33](#ib3d5e05577b4484d87f19cafe5856f40_226)</u>** |
| **<u>[LEGAL PROCEEDINGS](#ib3d5e05577b4484d87f19cafe5856f40_229)</u>** | **<u>[33](#ib3d5e05577b4484d87f19cafe5856f40_229)</u>** |
| **<u>[RESTRICTIONS ON FINANCIAL TRANSACTIONS](#ib3d5e05577b4484d87f19cafe5856f40_232)</u>** | **<u>[34](#ib3d5e05577b4484d87f19cafe5856f40_232)</u>** |
| **<u>[FINANCIAL STATEMENTS](#ib3d5e05577b4484d87f19cafe5856f40_235)</u>** | **<u>[34](#ib3d5e05577b4484d87f19cafe5856f40_235)</u>** |
| **<u>[ADDITIONAL INFORMATION](#ib3d5e05577b4484d87f19cafe5856f40_238)</u>** | **<u>[34](#ib3d5e05577b4484d87f19cafe5856f40_238)</u>** |
| **<u>[APPENDIX A: Funds Available Under the Policy](#ib3d5e05577b4484d87f19cafe5856f40_247)</u>**  | **A-<u>[1](#ib3d5e05577b4484d87f19cafe5856f40_247)</u>** |
| **<u>[APPENDIX B: State Availability Or Variations Of Certain Features And Riders](#ib3d5e05577b4484d87f19cafe5856f40_244)</u>**  | **B-<u>[1](#ib3d5e05577b4484d87f19cafe5856f40_244)</u>** |
| **<u>[GLOSSARY: Definitions Of Special Terms Used In This Prospectus](#ib3d5e05577b4484d87f19cafe5856f40_241)</u>** | **C-<u>[1](#ib3d5e05577b4484d87f19cafe5856f40_241)</u>** |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

**KEY INFORMATION**

*Important Information You Should Consider About the Policy*

---

| | | | |
|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Charges For Early Withdrawals** | If you surrender your Policy for its entire Cash Surrender Value within the first 9 Policy Years (or within 9 years of an increase in Face Amount), you will be assessed a surrender charge. The maximum surrender charge is set forth in your Policy and equals 5.06% of Face Amount. The surrender charge applies to Policy surrenders and lapses. The maximum surrender charge on a full surrender of a Policy with a $100,000 Face Amount is $5,060. For more information, please refer to the **<u>[Surrender Charge](#ib3d5e05577b4484d87f19cafe5856f40_64)</u>** subsection of this prospectus.  | If you surrender your Policy for its entire Cash Surrender Value within the first 9 Policy Years (or within 9 years of an increase in Face Amount), you will be assessed a surrender charge. The maximum surrender charge is set forth in your Policy and equals 5.06% of Face Amount. The surrender charge applies to Policy surrenders and lapses. The maximum surrender charge on a full surrender of a Policy with a $100,000 Face Amount is $5,060. For more information, please refer to the **<u>[Surrender Charge](#ib3d5e05577b4484d87f19cafe5856f40_64)</u>** subsection of this prospectus.  | If you surrender your Policy for its entire Cash Surrender Value within the first 9 Policy Years (or within 9 years of an increase in Face Amount), you will be assessed a surrender charge. The maximum surrender charge is set forth in your Policy and equals 5.06% of Face Amount. The surrender charge applies to Policy surrenders and lapses. The maximum surrender charge on a full surrender of a Policy with a $100,000 Face Amount is $5,060. For more information, please refer to the **<u>[Surrender Charge](#ib3d5e05577b4484d87f19cafe5856f40_64)</u>** subsection of this prospectus.  |
| **Transaction Charges** | In addition to a surrender charge, you may also be charged for other transactions. Such charges include a sales load on premiums paid under the Policy, tax charge (to cover local, state and federal taxes), transfer fee, and withdrawal charge. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#ib3d5e05577b4484d87f19cafe5856f40_13)</u>** section of this prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include a sales load on premiums paid under the Policy, tax charge (to cover local, state and federal taxes), transfer fee, and withdrawal charge. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#ib3d5e05577b4484d87f19cafe5856f40_13)</u>** section of this prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include a sales load on premiums paid under the Policy, tax charge (to cover local, state and federal taxes), transfer fee, and withdrawal charge. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#ib3d5e05577b4484d87f19cafe5856f40_13)</u>** section of this prospectus.  |
| **Ongoing Fees And Expenses (annual charges)** | In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and insurance class). Investors should view the Specifications Pages of their Policy for applicable rates.<br>Policy Owners will also bear expenses associated with the Funds under the Policy, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and insurance class). Investors should view the Specifications Pages of their Policy for applicable rates.<br>Policy Owners will also bear expenses associated with the Funds under the Policy, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and insurance class). Investors should view the Specifications Pages of their Policy for applicable rates.<br>Policy Owners will also bear expenses associated with the Funds under the Policy, as shown in the following table: |
| **Ongoing Fees And Expenses (annual charges)** | **Annual Fee** | **Minimum** | **Maximum** |
| **Ongoing Fees And Expenses (annual charges)** | Investment options<br>(Fund fees and expenses) | 0.13% | 1.38% |
| **Ongoing Fees And Expenses (annual charges)** | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#ib3d5e05577b4484d87f19cafe5856f40_13)</u>** section of this prospectus and **<u>[APPENDIX A](#ib3d5e05577b4484d87f19cafe5856f40_247)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#ib3d5e05577b4484d87f19cafe5856f40_13)</u>** section of this prospectus and **<u>[APPENDIX A](#ib3d5e05577b4484d87f19cafe5856f40_247)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#ib3d5e05577b4484d87f19cafe5856f40_13)</u>** section of this prospectus and **<u>[APPENDIX A](#ib3d5e05577b4484d87f19cafe5856f40_247)</u>**, which is part of this prospectus.  |
| **RISKS** | **RISKS** | **RISKS** | **RISKS** |
| **Risk Of Loss** | You can lose money by investing in the Policy. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section of this prospectus. | You can lose money by investing in the Policy. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section of this prospectus. | You can lose money by investing in the Policy. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section of this prospectus. |
| **Not a Short-Term Investment** | The Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The Policy is designed to provide benefits on a long-term basis. Consequently, you should not use the Policy as a short-term investment or savings vehicle. Because of the long-term nature of the Policy, you should consider whether purchasing the Policy is consistent with the purpose for which it is being considered. Accessing the values in your Policy through withdrawals or loans may increase the chance that your Policy will lapse. Surrendering your Policy in the early years may be subject to substantial surrender charges. Withdrawals, loans, and surrendering your Policy may have tax consequences. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section and **<u>[Tax Treatment Of Policy Benefits](#ib3d5e05577b4484d87f19cafe5856f40_220)</u>** subsection of this prospectus. | The Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The Policy is designed to provide benefits on a long-term basis. Consequently, you should not use the Policy as a short-term investment or savings vehicle. Because of the long-term nature of the Policy, you should consider whether purchasing the Policy is consistent with the purpose for which it is being considered. Accessing the values in your Policy through withdrawals or loans may increase the chance that your Policy will lapse. Surrendering your Policy in the early years may be subject to substantial surrender charges. Withdrawals, loans, and surrendering your Policy may have tax consequences. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section and **<u>[Tax Treatment Of Policy Benefits](#ib3d5e05577b4484d87f19cafe5856f40_220)</u>** subsection of this prospectus. | The Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The Policy is designed to provide benefits on a long-term basis. Consequently, you should not use the Policy as a short-term investment or savings vehicle. Because of the long-term nature of the Policy, you should consider whether purchasing the Policy is consistent with the purpose for which it is being considered. Accessing the values in your Policy through withdrawals or loans may increase the chance that your Policy will lapse. Surrendering your Policy in the early years may be subject to substantial surrender charges. Withdrawals, loans, and surrendering your Policy may have tax consequences. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section and **<u>[Tax Treatment Of Policy Benefits](#ib3d5e05577b4484d87f19cafe5856f40_220)</u>** subsection of this prospectus. |
| **Risks Associated With Investment Options** | An investment in the Policy is subject to the risk of poor performance and can vary depending on the performance of the investment options available under the Policy (e.g. the Funds). Each investment option (including the Fixed Account investment option) will have its own unique risks. You should review all investment options available under the Policy before making an investment decision. Fund prospectuses can be obtained from your financial professional, at www.prudential.com/hig-funds or by calling 800-231-5453. For more information on the Funds, please refer to the Investment Performance subsection of the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section and **<u>[The Funds](#ib3d5e05577b4484d87f19cafe5856f40_28)</u>** subsection of this prospectus. | An investment in the Policy is subject to the risk of poor performance and can vary depending on the performance of the investment options available under the Policy (e.g. the Funds). Each investment option (including the Fixed Account investment option) will have its own unique risks. You should review all investment options available under the Policy before making an investment decision. Fund prospectuses can be obtained from your financial professional, at www.prudential.com/hig-funds or by calling 800-231-5453. For more information on the Funds, please refer to the Investment Performance subsection of the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section and **<u>[The Funds](#ib3d5e05577b4484d87f19cafe5856f40_28)</u>** subsection of this prospectus. | An investment in the Policy is subject to the risk of poor performance and can vary depending on the performance of the investment options available under the Policy (e.g. the Funds). Each investment option (including the Fixed Account investment option) will have its own unique risks. You should review all investment options available under the Policy before making an investment decision. Fund prospectuses can be obtained from your financial professional, at www.prudential.com/hig-funds or by calling 800-231-5453. For more information on the Funds, please refer to the Investment Performance subsection of the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section and **<u>[The Funds](#ib3d5e05577b4484d87f19cafe5856f40_28)</u>** subsection of this prospectus. |
| **Insurance Company Risks** | An investment in the Policy is subject to the risks related to Talcott. Any obligations (including under the Fixed Account investment option), guarantees, or benefits are subject to the claims-paying ability of Talcott. More information about Talcott, including its financial strength ratings, is available upon request by calling 800-231-5453 and at www.talcottresolution.com/financialinformation.html. For more information, please refer to the **<u>[GENERAL DESCRIPTIONS OF TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS](#ib3d5e05577b4484d87f19cafe5856f40_19)</u>** section of this prospectus. | An investment in the Policy is subject to the risks related to Talcott. Any obligations (including under the Fixed Account investment option), guarantees, or benefits are subject to the claims-paying ability of Talcott. More information about Talcott, including its financial strength ratings, is available upon request by calling 800-231-5453 and at www.talcottresolution.com/financialinformation.html. For more information, please refer to the **<u>[GENERAL DESCRIPTIONS OF TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS](#ib3d5e05577b4484d87f19cafe5856f40_19)</u>** section of this prospectus. | An investment in the Policy is subject to the risks related to Talcott. Any obligations (including under the Fixed Account investment option), guarantees, or benefits are subject to the claims-paying ability of Talcott. More information about Talcott, including its financial strength ratings, is available upon request by calling 800-231-5453 and at www.talcottresolution.com/financialinformation.html. For more information, please refer to the **<u>[GENERAL DESCRIPTIONS OF TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS](#ib3d5e05577b4484d87f19cafe5856f40_19)</u>** section of this prospectus. |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

---

| | |
|:---|:---|
| **Policy Lapse** | Death Benefits will not be paid if the Policy has lapsed. The Policy will go into default on any Monthly Activity Date on which the Account Value less Indebtedness is not sufficient to cover the Monthly Deduction Amount and the No Lapse Guarantee is not available. The Policy will go into default if total Indebtedness equals or exceeds the Cash Value on any Monthly Activity Date, unless it remains in force under the Policy Continuation Rider. Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Policy to lapse.<br>We will keep your Policy in force for the 61-day grace period following the date your Policy goes into default. However, if we have not received the required premiums (specified in your lapse notice) by the end of the grace period, the Policy will terminate. If the insured dies during the grace period, we will pay the death proceeds.<br>A Policy that lapses may be reinstated within five years after termination if you submit satisfactory evidence of insurability to us, any Indebtedness existing at the time the Policy was terminated is repaid or carried over to the reinstated Policy; and you pay a premium sufficient to cover: (a) all Monthly Deduction Amounts that are due and unpaid during the grace period; and (b) the sum of Monthly Deduction Amounts for the next three months after the date the Policy is reinstated. For more information please refer to the **<u>[LAPSE AND REINSTATEMENT](#ib3d5e05577b4484d87f19cafe5856f40_214)</u>** section of this prospectus. |
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Investments** | You may transfer amounts among the Fixed Account and the Sub-Accounts subject to certain restrictions. We limit each Policy Owner to one Sub-Account transfer request each Valuation Day. We count all Sub-Account transfer activity that occurs on any one Valuation Day as one Sub-Account transfer, however, you cannot transfer the same Account Value more than once a Valuation Day.<br>You are allowed to submit a total of 20 Sub-Account transfers each Policy Year by U.S. Mail, Voice Response Unit, Internet, telephone, same day mail or courier service. Once you reach the maximum number of Sub-Account transfers, you may only submit any additional Sub-Account transfer requests (and any trade cancellation requests) in writing through U.S. Mail or overnight delivery service. We may charge an administrative transfer fee of up to $25 per transfer after the first transfer you make in any month, however, we are currently not assessing an administrative transfer fee.<br>Except for transfers made under the Dollar Cost Averaging Program, any transfers from the Fixed Account must occur during the 30-day period following each Policy Anniversary, and, the maximum amount transferred in any Policy Year will be the greater of $1,000 and 25% of the Accumulated Value in the Fixed Account on the date of the transfer. As a result of these restrictions, it can take several years to transfer amounts from the Fixed Account to the Sub-Accounts.<br>We reserve the right to remove or substitute Funds as investment options. For more information on investment and transfer restrictions, please refer to the **<u>[Transfers And Restrictions On Transfers](#ib3d5e05577b4484d87f19cafe5856f40_184)</u>** subsection of this prospectus and **<u>[APPENDIX A](#ib3d5e05577b4484d87f19cafe5856f40_247)</u>**.  |
| **Optional Benefits** | As a Policy Owner, you may be able to obtain extra fixed benefits under your Policy, which may require that you pay additional charges. These optional insurance benefits are described in what is known as "riders" to the Policy. Riders are generally only available at Policy issuance, unless noted otherwise.<br>Rider benefits will no longer be available if the Policy lapses or you request a full surrender of the Policy. Some riders are not available in conjunction with other riders and other restrictions may apply. Some riders described in this prospectus, such as the LifeAccess Accelerated Benefit Rider, Accelerated Death Benefit Rider for Terminal Illness, and Accidental Death Benefit Rider, are subject to benefit limitations and eligibility requirements. The LifeAccess Accelerated Benefit Rider will terminate on the date you make a withdrawal under the Policy during a Benefit Period. <br>Some riders described in this prospectus may be subject to state variations or may not be available in all states. Please refer to **<u>[APPENDIX B](#ib3d5e05577b4484d87f19cafe5856f40_244)</u>**, which is part of this prospectus, for state availability and a description of all material variations to riders and features that differ from the description contained in the prospectus. For more information on optional benefits under the Policy, please refer to the **<u>[RIDERS](#ib3d5e05577b4484d87f19cafe5856f40_148)</u>** section of this prospectus.  |
| **TAXES** | **TAXES** |
| **Tax Implications** | You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Policy. There is no additional tax benefit if you purchase the Policy through a tax-qualified plan. Withdrawals may be subject to ordinary income tax and a 10% additional tax. There is a risk that the Internal Revenue Service ("IRS") could assert that the Policy has been effectively terminated when you exercise the Policy Continuation Rider and that the outstanding loan balance should be treated as a distribution. See **<u>[Policy Continuation Rider](#ib3d5e05577b4484d87f19cafe5856f40_880)</u>** under the **<u>[RIDERS](#ib3d5e05577b4484d87f19cafe5856f40_148)</u>** section of this prospectus. For more information on tax implications relating to Policy investments, please refer to the **<u>[TAXES](#ib3d5e05577b4484d87f19cafe5856f40_217)</u>** section of this prospectus. |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

---

| | |
|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **Investment Professional Compensation** | Investment professionals receive compensation for selling the Policy to investors and may have a financial incentive to offer or recommend the Policy over another investment. Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration ("firms"). The individual representative will receive all or a portion of the compensation, depending on the practice of the firm. For more information on investment professional compensation, please refer to the **<u>[DISTRIBUTION AND COMPENSATION](#ib3d5e05577b4484d87f19cafe5856f40_226)</u>** section and the **<u>[Commissions Paid To Broker-Dealers](#ib3d5e05577b4484d87f19cafe5856f40_82)</u>** subsection of this prospectus.  |
| **Exchanges** | Some investment professionals may have a financial incentive to offer you a policy in place of the one you already own. You should only exchange your Policy if you determine after comparing the features, fees, and risks of both policies, that it is preferable to purchase the policy, rather than continue to own your existing Policy. For more information on exchanges, please refer to the paragraph titled **Replacement Of a Policy** in the **<u>[PRINCIPAL RISKS OF INVESTING IN THE POLICY](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** section of this prospectus. |

---

**OVERVIEW OF THE POLICY**

This section contains a summary of the benefits available under the Policy. It is only a summary and you should read the entire prospectus. Please note that this prospectus describes a Policy issued by Talcott Resolution Life and Annuity Insurance Company and administered by The Prudential Insurance Company of America.

**Description of the Policy**

The *Stag Protector® II Variable Universal Life* insurance Policy is a flexible premium variable universal life insurance policy. The Policy is designed to be flexible to meet your specific life insurance needs. You have the flexibility to choose Death Benefit options, investment options, and premiums you pay. We will pay the Death Benefit to the named Beneficiaries upon the death of the insured. You, as the Policy Owner, pay the premiums for the Policy and name the beneficiary. The insured is the person whose life is insured under the Policy. You allocate premiums to the Funds and can accumulate Account Value on a tax-deferred basis. We deduct Policy fees and charges from the premiums and the Account Value. You may access the Account Value through loans and withdrawals.

This Policy is designed for Policy Owners seeking benefits on a long-term basis and as such is not appropriate as a short-term investment or savings vehicle. Policy Owners should consider whether this Policy meets their financial goals, liquidity needs and investment time horizon.

Some Policy forms, features and/or riders described in this prospectus may be subject to state variations or may not be available in all states. See **<u>[APPENDIX B](#ib3d5e05577b4484d87f19cafe5856f40_244)</u>** for state availability and a description of all material variations to features and riders that differ from the description contained in the prospectus.

**Premiums**

You have the flexibility to choose how you pay premiums. You can choose a Planned Premium when you purchase the Policy. You may change your Planned Premium, subject to certain limitations. Payment of insufficient premiums may result in a Policy lapse. Under certain circumstances we reserve the right to refuse to accept premium payments.

You may invest your premiums in up to 20 different investment choices within your Policy, from a choice of all available Funds and a Fixed Account. You may transfer money among your investment choices, subject to restrictions. In addition, you may use our dollar cost averaging feature or one of our automatic asset allocation programs. **Information about each Fund available under the Policy is provided in <u>[APPENDIX A](#ib3d5e05577b4484d87f19cafe5856f40_247)</u>.** 

**Policy Features**

**Death Benefit** — While the Policy is in force and when the insured dies, we pay a Death Benefit to your beneficiary.

However, your Death Benefit will never be less than the minimum Death Benefit. You select one of four Death Benefit options:

• **Option A (Level Option):** The Death Benefit is the current Face Amount.

• **Option B (Return of Account Value Option):** The Death Benefit is the current Face Amount plus the Account Value.

• **Option C (Return of Premium Option):** The Death Benefit is the current Face Amount plus the sum of premiums paid. However, it will be no more than the current Face Amount plus the Option C limit, which is currently $5 million.

• **Option D (Decreasing Option):** The Death Benefit is the current Face Amount, plus the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ the Account Value on the date we receive due proof of the insured's death; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ the Account Value on the date of the change from Death Benefit Option B (Return of Account Value) to Option D (Decreasing Option), reduced by any withdrawals.

The Death Benefit is reduced by any money you owe us, such as outstanding loans, loan interest, or unpaid charges. You may change your Death Benefit option under certain circumstances. You may increase or decrease the Face Amount on your Policy under certain circumstances.

**Account Values** — Each Policy will have an Account Value. There is no minimum guaranteed Account Value. The Account Value of a Policy changes on a daily basis and will be computed on each Valuation Day. The Account Value will vary to reflect the investment experience of the Sub-Accounts, the interest credited to the Fixed Account and the Loan Account, and the Monthly Deduction Amounts, Net Premiums paid, and any withdrawals taken.

**No Lapse Guarantee** — Generally, your Death Benefit coverage will last as long as there is enough value in your Policy to pay for the monthly charges we deduct. Since this is a variable life Policy, values of your Policy will fluctuate based on the performance of the Funds you have chosen. Without the No Lapse Guarantee, your Policy will lapse if the value of your Policy is insufficient to pay your monthly charges. If the No Lapse Guarantee is available and the value of your Policy is insufficient to pay your monthly charges, we will waive any portion of the monthly charges that could not be collected. Therefore, when the No Lapse Guarantee feature is available,

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

the Policy will not lapse, regardless of the investment performance of the Funds. If you take a loan on your Policy, the No Lapse Guarantee may not protect the Policy from lapsing. Therefore, you should carefully consider the impact of taking Policy loans during the No Lapse Guarantee Period. Starting on the effective date of your Policy, the length of the No Lapse Guarantee Period varies depending on the issue age of the insured.

**Withdrawal** — Under certain circumstances and limitations, you may withdraw a part of the Policy's Cash Surrender Value without surrendering the Policy. The minimum withdrawal allowed is $500. The maximum withdrawal is the Cash Surrender Value, minus $1,000. You may be assessed a charge of up to $10 for each withdrawal.

**Loans** — You may use this Policy as collateral to obtain a loan from us.

**Surrender** — You may surrender your Policy at any time prior to the Maturity Date for its Cash Surrender Value. Surrenders may be subject to a surrender charge.

**Tax Benefits —** In most cases, you are not taxed on earnings until you take earnings out of the Policy (commonly known as "tax deferral"). The Death Benefit may be subject to Federal and state estate taxes but your beneficiary will generally not be subject to income tax on the Death Benefit.

**Riders** — You may add additional benefits to your Policy by selecting from a variety of riders. Additional charges may apply for some riders and may be subject to underwriting approval. The charges associated with each rider are presented in the **<u>FEE TABLE</u>**.

• The **Enhanced No Lapse Guarantee Rider** lets you choose a longer No Lapse Guarantee Period.

• The **Lifetime No Lapse Guarantee Rider** lets you extend the No Lapse Guarantee Period to the end of the life of the insured.

• The **Waiver of Specified Amount Disability Benefit Rider** credits the Policy with an amount specified in your Policy while the insured is Totally Disabled.

• The **Deduction Amount Waiver Rider** waives the Monthly Deduction Amount of your Policy while the insured is Totally Disabled.

• The **Accidental Death Benefit Rider** pays a specified amount when the insured dies under accidental circumstances.

• The **Cost of Living Adjustment Rider** provides an increase to your Face Amount without evidence of insurability on every second anniversary of the rider.

• The **Term Insurance Rider** provides term life insurance coverage on the life of the insured.

• The **Child Insurance Rider** provides term life insurance on all the insured children.

• The **Accelerated Death Benefit Rider for Terminal Illness** provides a lump sum accelerated Death Benefit in the event an insured's life expectancy is 12 months (24 months in some states) or less.

• The **LifeAccess Accelerated Benefit Rider** provides a monthly or lump sum accelerated Death Benefit in the event the insured becomes Chronically Ill and is likely to need services for the remainder of the insured's life.

**•** The **Policy Continuation Rider** provides you the option to continue your Policy at a reduced Death Benefit with no further Monthly Deduction Amounts in the event your Policy is in danger of default or termination due to excessive Indebtedness.

**FEE TABLE**

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

**The first table describes the maximum fees and expenses that you will pay at the time that you buy the Policy, surrender or make a withdrawal from the Policy, or transfer Cash Value between investment options.** 

---

| | | | |
|:---|:---|:---|:---|
| **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Sales Charge Imposed on Premiums (Load)**<sup>(1)</sup> | When premium payments are made | 8% of premiums | 8% of premiums |
| **Premium Taxes**<sup>(2)</sup> | When premium payments are made | 5% of premiums | 5% of premiums |
| **Surrender Charge**<sup>(3)</sup><br>Per $1,000 of Face Amount | Upon lapse or surrender | Maximum Charge:  | $50.60 |
| **Surrender Charge**<sup>(3)</sup><br>Per $1,000 of Face Amount | Upon lapse or surrender | Minimum Charge:  | $2.09 |
| **Surrender Charge**<sup>(3)</sup><br>Per $1,000 of Face Amount | Upon lapse or surrender | Initial charge for a representative insured<sup>(4)</sup>: | $18.83 |
| **Transfer Fee**<sup>(5)</sup> | Upon each transfer after the first transfer in any month | $25 | $25 |
| **Withdrawal Charge**<sup>(5)</sup> | Upon withdrawal | $10 | $10 |
| **Accelerated Death Benefit Rider for Terminal Illness** | One-time charge upon exercising the rider benefit. | $300 | $300 |
| **Policy Continuation Rider**<br>A percentage of Account Value | One-time charge upon exercising the rider benefit. | 7% | 7% |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

(1)The maximum front-end sales load is 8% of each premium payment in Policy Years 1 through 20 and 6% of each premium payment in Policy Years 21 or more. Sales loads may be different in your state.

(2)The premium tax charge is a percentage of premiums paid for taxes assessed against us by a state and/or other governmental entities and varies by state and municipality of residence.

(3)This charge varies based on individual characteristics. The charge shown in the table may not be representative of the charge that you will pay. You may obtain more information about the charge that would apply to you by contacting your financial representative for a personalized illustration or by calling us at 800-231-5453. The surrender charge applies if you surrender your Policy: during the first 9 Policy Years; within 9 Policy Years of an unscheduled increase in your Face Amount; or within 9 Policy Years of an increase in your Face Amount under the Cost of Living Adjustment Rider, if elected.

(4)Representative insured is male, 49-year-old, underwritten as standard non-nicotine.

(5)Not currently being assessed.

**The next table describes the maximum fees and expenses that you will pay periodically during the time that you own the Policy, not including Fund fees and expenses.**

---

| | | | |
|:---|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL FUND OPERATING EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND OPERATING EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND OPERATING EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND OPERATING EXPENSES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Base Policy Charges:** | **Base Policy Charges:** | **Base Policy Charges:** | **Base Policy Charges:** |
| **Cost of Insurance Charge**<sup>(1)(8)</sup><br>Per $1,000 of the Net Amount at Risk | Monthly | Maximum Charge:  | $83.33 |
| **Cost of Insurance Charge**<sup>(1)(8)</sup><br>Per $1,000 of the Net Amount at Risk | Monthly | Minimum Charge:  | $0.01 |
| **Cost of Insurance Charge**<sup>(1)(8)</sup><br>Per $1,000 of the Net Amount at Risk | Monthly | Charge for a representative insured:<sup>(2)</sup>  | $0.11 |
| **Mortality and Expense Risk Charge**<br>A percentage of Account Value | Monthly | 0.06%<sup>(3)</sup> | 0.06%<sup>(3)</sup> |
| **Monthly per $1,000 Charge**<sup>(4)(6)</sup><br>Per $1,000 of initial Face Amount and certain subsequent increases in Face Amount | Monthly | Maximum Charge:  | $0.90 |
| **Monthly per $1,000 Charge**<sup>(4)(6)</sup><br>Per $1,000 of initial Face Amount and certain subsequent increases in Face Amount | Monthly | Minimum Charge:  | $0.04  |
| **Monthly per $1,000 Charge**<sup>(4)(6)</sup><br>Per $1,000 of initial Face Amount and certain subsequent increases in Face Amount | Monthly | Charge for a representative insured:<sup>(2)</sup> | $0.37 |
| **Monthly Administrative Charge** | Monthly | $10 | $10 |
| **Net Interest on Loan**<sup>(5)</sup><br>As a percentage of Policy Indebtedness | Monthly | 2% | 2% |
| **Optional Benefits Charges:** | **Optional Benefits Charges:** | **Optional Benefits Charges:** | **Optional Benefits Charges:** |
| **Enhanced No Lapse Guarantee Rider**<sup>(6)</sup><br>Per $1,000 of the Face Amount | Monthly | Maximum Charge:  | $0.10 |
| **Enhanced No Lapse Guarantee Rider**<sup>(6)</sup><br>Per $1,000 of the Face Amount | Monthly | Minimum Charge:  | $0.01 |
| **Enhanced No Lapse Guarantee Rider**<sup>(6)</sup><br>Per $1,000 of the Face Amount | Monthly | Charge for a representative insured:<sup>(2)</sup> | $0.03 |
| **Lifetime No Lapse Guarantee Rider**<sup>(6)</sup><br>Per $1,000 of the Face Amount | Monthly | Maximum Charge:  | $0.06 |
| **Lifetime No Lapse Guarantee Rider**<sup>(6)</sup><br>Per $1,000 of the Face Amount | Monthly | Minimum Charge:  | $0.01 |
| **Lifetime No Lapse Guarantee Rider**<sup>(6)</sup><br>Per $1,000 of the Face Amount | Monthly | Charge for a representative insured:<sup>(2)</sup> | $0.01 |
| **Waiver of Specified Amount Disability Benefit Rider**<sup>(6)</sup> <br>(for Policies issued on or before March 12, 2007)<br>Per $1 of the specified amount  | Monthly | Maximum Charge:  | $0.20 |
| **Waiver of Specified Amount Disability Benefit Rider**<sup>(6)</sup> <br>(for Policies issued on or before March 12, 2007)<br>Per $1 of the specified amount  | Monthly | Minimum Charge:  | $0.04 |
| **Waiver of Specified Amount Disability Benefit Rider**<sup>(6)</sup> <br>(for Policies issued on or before March 12, 2007)<br>Per $1 of the specified amount  | Monthly | Charge for a representative insured:<sup>(2)</sup> | $0.06 |
| **Waiver of Specified Amount Disability Benefit Rider**<sup>(6)</sup> <br>(for Policies issued after March 12, 2007)<br>Per $1 of the specified amount  | Monthly | Maximum Charge:  | $0.11 |
| **Waiver of Specified Amount Disability Benefit Rider**<sup>(6)</sup> <br>(for Policies issued after March 12, 2007)<br>Per $1 of the specified amount  | Monthly | Minimum Charge:  | $0.04 |
| **Waiver of Specified Amount Disability Benefit Rider**<sup>(6)</sup> <br>(for Policies issued after March 12, 2007)<br>Per $1 of the specified amount  | Monthly | Charge for a representative insured:<sup>(2)</sup> | $0.05 |
| **Deduction Amount Waiver Rider**<sup>(6)</sup><br>Percentage of the Monthly Deduction Amount | Monthly | Maximum Charge:  | 34.5% |
| **Deduction Amount Waiver Rider**<sup>(6)</sup><br>Percentage of the Monthly Deduction Amount | Monthly | Minimum Charge:  | 6.90% |
| **Deduction Amount Waiver Rider**<sup>(6)</sup><br>Percentage of the Monthly Deduction Amount | Monthly | Charge for a representative insured:<sup>(2)</sup> | 11.50% |
| **Accidental Death Benefit Rider**<sup>(6)</sup><br>Per $1,000 of the coverage amount | Monthly | Maximum Charge:  | $0.18 |
| **Accidental Death Benefit Rider**<sup>(6)</sup><br>Per $1,000 of the coverage amount | Monthly | Minimum Charge:  | $0.08 |
| **Accidental Death Benefit Rider**<sup>(6)</sup><br>Per $1,000 of the coverage amount | Monthly | Charge for a representative insured:<sup>(2)</sup> | $0.12 |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Term Insurance Rider**<sup>(6)(7)</sup><br>Per $1,000 of the coverage amount | Monthly | Maximum Charge:  | $83.33 |
| **Term Insurance Rider**<sup>(6)(7)</sup><br>Per $1,000 of the coverage amount | Monthly | Minimum Charge:  | $0.01 |
| **Term Insurance Rider**<sup>(6)(7)</sup><br>Per $1,000 of the coverage amount | Monthly | Charge for a representative insured:<sup>(2)</sup> | $0.11 |
| **Child Insurance Rider**<br>Per $1,000 of the coverage amount for all children | Monthly | $0.50  | $0.50  |
| **LifeAccess Accelerated Benefit Rider**<sup>(6)</sup><br>(for Policies issued after March 12, 2007)<br>Per $1,000 of the Benefit Net Amount at Risk | Monthly | Maximum Charge:  | $41.67 |
| **LifeAccess Accelerated Benefit Rider**<sup>(6)</sup><br>(for Policies issued after March 12, 2007)<br>Per $1,000 of the Benefit Net Amount at Risk | Monthly | Minimum Charge:  | $0.003 |
| **LifeAccess Accelerated Benefit Rider**<sup>(6)</sup><br>(for Policies issued after March 12, 2007)<br>Per $1,000 of the Benefit Net Amount at Risk | Monthly | Charge for a representative insured:<sup>(2)</sup> | $0.02 |

---

(1)The charge varies based on individual characteristics of the insured, including such characteristics as age, sex and insurance class, and the Face Amount and duration of the Policy. The charge shown in the table may not be representative of the charge that you will pay. You may obtain more information about the charge that would apply to you by contacting your financial representative for a personalized illustration or by calling us at 800-231-5453. The highest cost of insurance rate is for an insured who is a male Attained Age 100.

(2)Representative insured is male, 49-year-old, underwritten as standard non-nicotine.

(3)The maximum charge is 0.06% in Policy Years 1-10 and 0.04% thereafter. The current charge is 0.06% in Policy Years 1-10, 0.02% in Policy Years 11-20, and 0% thereafter.

(4)The charge is deducted for a period of: 7 years after you purchase your Policy; 7 years after an unscheduled increase in your Face Amount, and each increase under the Cost of Living Adjustment Rider, if elected.

(5)A loan taken during the first 10 Policy Years, has an effective annual interest rate of up to 5%. A loan taken in Policy Years 11 and later has an effective annual interest rate of up to 4.25% for non-preferred loans and up to 3.25% for preferred loans. All loans have an effective annual interest credit equal to 3%.

(6)This charge varies based on individual characteristics. The charge shown in the table may not be representative of the charge that you will pay. You may obtain more information about the charge that would apply to you by contacting your financial representative for a personalized illustration or by calling us at 800-231-5453.

(7)There is a monthly issue charge for this rider during the 1st Policy Year if it is not on the base insured. The charge is $.083 per $1,000 of the coverage amount, subject to a maximum amount of $125 per month.

(8)Net Amount at Risk is the difference between the Death Benefit and the Account Value.

**The next item shows the minimum and maximum total operating expenses charged by the fund companies that you may pay periodically during the time that you own the Policy. A complete list of fund companies available under the Policy, including their annual expenses, may be found at the back of this document, in <u>[APPENDIX A](#ib3d5e05577b4484d87f19cafe5856f40_247)</u>.**

---

| | | |
|:---|:---|:---|
| **Annual Fund Company Expenses**  | Minimum | Maximum |
| Expenses that are deducted from fund company assets, including management fees, distribution, and/or service (12b-1) fees and other expenses. | 0.13% | 1.38% |

---

**PRINCIPAL RISKS OF INVESTING IN THE POLICY**

**Investment Performance** — The value of your Policy will fluctuate with the performance of the investment options you choose. The Funds you choose may not perform to your expectations. Investing in the Policy involves risks including the possible loss of your entire investment. Your values in the Sub-Accounts are not guaranteed. Only the Fixed Account provides a guaranteed rate of return. A comprehensive discussion of the risks of the Funds held by each Sub-Account may be found in the Funds' prospectuses. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses can be obtained from your financial professional, at www.prudential.com/hig-funds, or by calling 800-231-5453.

**Account Values Are Not Guaranteed** — Charges and fees may have a significant impact on Policy Account Value and the investment performance of the Sub-Accounts (particularly with Policies with lower Account Value). Your Account Value rises and falls with the performance of the investment options you choose and the charges that we deduct.

**Unsuitable for Short-Term Savings** — The Policy is designed to provide benefits on a long-term basis. Consequently, you should not use the Policy as a short-term investment or savings vehicle. Because of the long-term nature of the Policy, you should consider whether purchasing the Policy is consistent with the purpose for which it is being considered.

**Risk of Lapse** — Your Policy could terminate if the value of the Policy becomes too low to support the Policy's monthly

charges. If this occurs, we will notify you in writing. You will then have a 61-day grace period to pay additional amounts to prevent the Policy from terminating.

**Withdrawals** — Withdrawals may significantly affect current and future Account Values, will reduce your Policy's Death Benefit, may increase the risk of Policy lapse, and may be subject to a withdrawal charge.

**Surrenders** — We may deduct a surrender charge from the surrender proceeds. While the amount of the surrender charge decreases over time, it may be a substantial portion of or even equal to your Account Value. A surrender of your Policy may have tax consequences.

**Loans** — Using your Policy as collateral to obtain a loan from us may increase the risk that your Policy will lapse, will have a permanent effect on the Policy's Account Value, and will reduce the death proceeds.

**Adverse Tax Consequences** — You may be subject to income tax if you receive any loans, withdrawals or other amounts from the Policy. Under certain circumstances, your Policy may become a Modified Endowment Contract under federal tax law. If these circumstances were to occur, loans and other pre-death distributions are includable in gross income on an income first basis, and may be subject to a 10% additional tax (unless you have attained age 59½). You should consult with a tax adviser before taking steps that may affect whether your Policy

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

becomes a Modified Endowment Contract. There could be significant adverse tax consequences if the Policy should lapse or be surrendered when there are loans outstanding.

**Tax Law Changes** — Tax laws, regulations, and interpretations are subject to change. Such changes may impact the expected benefits of purchasing this Policy.

**Tax Consequences of Additional Rider Benefits —** Adding or deleting riders, or increasing or decreasing coverage under existing riders can have tax consequences. You should consult a qualified tax adviser.

**Credit Risk** — All insurance benefits, including the Death Benefit, and all guarantees, including those related to the Fixed Account, are general account obligations that are subject to the Company's financial strength and claims paying ability. You should review the Company's financial statements which are available upon request and are attached to the statement of additional information (SAI).

**Increase in Current Fees and Expenses** — Certain Policy fees and expenses may be currently charged at less than their

maximum amounts. We may increase these current fees and expenses up to the guaranteed maximum levels.

**Replacement of a Policy** — A replacement occurs when a new Policy is purchased and, in connection with the sale, an existing Policy is surrendered, lapsed, forfeited, assigned to another insurer, otherwise terminated or used in a financial purchase. A "financial purchase" occurs when the purchase of a new life insurance policy or annuity contract involves the use of money obtained from the values of an existing life insurance policy or annuity contract through withdrawal, surrender or loan. There are some circumstances where replacing your existing life insurance Policy can benefit you. However, there are many circumstances where a replacement will not be in your best interest. You should carefully review the costs, benefits and features of your existing life insurance Policy against a proposed policy to determine whether a replacement is in your best interest.

**GENERAL DESCRIPTIONS OF TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS**

**Talcott Resolution Life and Annuity Insurance Company**

Talcott Resolution Life and Annuity Insurance Company ("Talcott", "TLA", "the Company", "us", "we", or "our") is a stock life insurance company originally incorporated under the laws of Wisconsin on January 9, 1956, and subsequently re-domiciled to Connecticut. Talcott Resolution Life and Annuity Insurance Company is authorized to do business in Puerto Rico, the District of Columbia, and all states of the United States except New York. In June 2018, the Company changed its name from Hartford Life and Annuity Insurance Company to Talcott Resolution Life and Annuity Insurance Company. Our corporate offices are located at 1 American Row, Hartford, CT 06103.

On January 2, 2013, The Hartford Financial Services Group (then the ultimate parent company of Talcott Resolution Life Insurance Company) entered into agreements with The Prudential Insurance Company of America ("Prudential") under which Prudential will reinsure the obligations of Talcott under the variable life insurance Policies and provide administration for the Policies. Prudential is a New Jersey domiciled life insurance company with offices located in Newark, New Jersey. Prudential's mailing address is 213 Washington Street, Newark, NJ 07102. Prudential is ultimately controlled by Prudential Financial, Inc.

**Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company** 

Talcott has established as a Separate Account, the Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company (the "Account" or the "Registrant") to hold the assets that are associated with the Policies. The Account was established on June 8, 1995 under Connecticut law and is registered with the SEC under the Investment Company Act of 1940 as a unit investment trust, which is a type of investment company. The Account meets the definition of a "Separate Account" under the federal securities laws.

The Account holds assets that are segregated from all of our other assets. Income, gains and losses credited to, or charged against, the Separate Account reflect the Separate Account's own investment experience and not the investment experience of our other assets. Thus, such assets that are held in support of

client accounts are not chargeable with liabilities arising out of any other business Talcott conducts. Talcott is obligated to pay all amounts promised to Policy Owners in accordance with the terms of the Policy.

The operation of the Separate Account may be modified to the extent permitted by law, including deregistration under the securities laws.

Currently, no charge is made to the Separate Account for federal, state and local taxes that may be allocable to the Separate Account. A change in the applicable federal, state or local laws which impose tax on Talcott and/or the Separate Account may result in a charge against the Policy in the future. Charges for other taxes, if any, allocable to the Separate Account may also be made.

**The Funds**

The Sub-Accounts of the Separate Account purchase shares of mutual funds set up exclusively for variable annuity and variable life insurance products (the "Funds"). The Funds are not the same mutual funds that you buy through your stockbroker or through a retail mutual fund, but they may have similar investment strategies and the same portfolio managers as retail mutual funds. You choose the Funds that meet your investment style. Information regarding each Fund, including: (1) the name of each Fund in which the Account invests; (2) its type; (3) its investment Manager(s) and any sub-investment adviser(s); (4) its current expense; and (5) its performance, is available in **<u>[APPENDIX A](#ib3d5e05577b4484d87f19cafe5856f40_247)</u>** of this prospectus. Each Fund has issued its own separate prospectus that contains more detailed information about the Fund. **The Funds' prospectuses and statements of additional information are available at www.prudential.com/hig-funds or by calling 800-231-5453.** 

We do not guarantee the investment results of any of the Funds. Since each Fund has different investment objectives, each is subject to different risks.

The Funds may not be available in all states.

You may also allocate some or all of your premium payments to the Fixed Account, which pays a declared interest rate. See **<u>[The Fixed Account](#ib3d5e05577b4484d87f19cafe5856f40_40)</u>**.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

Shares of the Funds may be sold to our other separate accounts and our insurance company affiliates or other unaffiliated insurance companies to serve as the underlying investment for both variable annuity contracts and variable life insurance policies, a practice known as "mixed and shared funding." As a result, there is a possibility that a material conflict may arise between the interests of Policy Owners, and of owners of other contracts whose contract values are allocated to one or more of these other separate accounts investing in any one of the Funds. In the event of any such material conflicts, we will consider what action may be appropriate, including removing the Fund from the Separate Account or replacing the Fund with another Fund. There are certain risks associated with mixed and shared funding. These risks are disclosed in the Funds' prospectuses which can be found online at www.prudential.com/hig-funds.

We reserve the right to substitute the shares of any other registered investment company for the shares of any Fund already purchased or to be purchased in the future by the Separate Account provided that the substitution has been approved by the SEC.

**Impact of Fund Changes on Dollar Cost Averaging ("DCA"), Static Asset Allocation Models and Asset Rebalancing —** Certain Fund changes may impact these programs. If a Fund ("merging Fund") contained in one of these programs merges into another Fund ("surviving Fund") and we do not receive alternative instructions from you, we will automatically replace the merging Fund with the surviving Fund for each of the programs. If a Fund contained in one of these programs is liquidated, unless other instructions are received, we will automatically move the value of the liquidated Fund to the current money market Fund for each of these programs. See **<u>[Dollar Cost Averaging](#ib3d5e05577b4484d87f19cafe5856f40_187)</u>**, **<u>[Static Asset Allocation Models](#ib3d5e05577b4484d87f19cafe5856f40_190)</u>**, and **<u>[Asset Rebalancing](#ib3d5e05577b4484d87f19cafe5856f40_193)</u>**.

**Fees and Payments Payable To Prudential**

As described in the **<u>[Talcott Resolution Life and Annuity Insurance Company](#ib3d5e05577b4484d87f19cafe5856f40_16)</u>** subsection above, Prudential serves as the administrator of the Policies through an Administrative Services Agreement with Talcott. Also, as described in this section, Prudential has entered into agreements with respect to certain Funds.

Prudential receives substantial fees and payments with respect to the Funds that are offered through your Policy (sometimes referred to as "revenue sharing" payments). These fees and payments, among a number of factors, are considered when deciding to add or keep a Fund on the menu of Funds that are offered through the Policy. All of the Funds on the overall menu make payments to Prudential or an affiliate. Prudential receives these payments and fees under agreements with the Fund's principal underwriter, transfer agent, investment adviser and/or other entities related to the Funds. These fees and payments may include asset-based sales compensation and service fees under distribution and/or servicing plans adopted by Funds pursuant to Rule 12b-1 under the Investment Company Act of 1940. These fees and payments may also include administrative service fees and additional payments, expense reimbursements and other compensation. Prudential expects to make a profit on the amount of the fees and payments that exceed Prudential's own expenses, including our expenses of payment compensation to broker-dealers, financial institutions and other persons for selling the Policies.

The availability of these types of arrangements creates an incentive for Prudential to seek and offer Funds (and classes of shares of such Funds) that pay Prudential revenue sharing.

Other Funds (or available classes of shares) may have lower fees and better overall investment performance. All Fund offerings are subject to Talcott's consent.

As of December 31, 2025, Prudential has entered into arrangements to receive administrative service payments and/or Rule 12b-1 fees from each of the following Fund complexes (or affiliated entities): AllianceBernstein Variable Products Series Funds & Alliance Bernstein Investments, American Funds Insurance Series & Capital Research and Management Company, BlackRock Variable Series Funds, Inc. & BlackRock Investments, LLC, Fidelity Distributors Corporation, Franklin Templeton Services, LLC, HL Investment Advisors, LLC, Invesco Advisors Inc., Lord Abbett Series Fund & Lord Abbett Distributor, LLC, MFS Fund Distributors, Inc. & Massachusetts Financial Services Company, and Putnam Retail Management Limited Partnership.

Not all Fund complexes pay the same amount of fees and compensation and not all Funds pay according to the same formula. Because of this, the amount of fees and payments received by Prudential varies by Fund and Prudential may receive greater or less fees and payments depending on the Funds you select. Revenue sharing payments and Rule 12b-1 fees did not exceed 0.40% and 0.25%, respectively, in 2025 of the annual percentage of the average daily net assets.

**Voting Rights**

We currently vote shares of the Funds owned by the Separate Account according to the instructions of Policy Owners. However, if the 1940 Act or any related regulations or interpretations should change and we decide that we are permitted to vote the shares of the Funds in our own right, we may decide to do so. For Sub-Accounts in which you have invested as of the record date, we will notify you of shareholder's meetings of the Funds purchased by those Sub-Accounts. We will send you proxy materials and instructions for you to provide voting instructions. We will arrange for the handling and tallying of proxies received from you or other Policy Owners. If you give no instructions, we will vote those shares in the same proportion as shares for which we received instructions. As a result of proportional voting, the vote of a small number of Policy Owners could determine the outcome of a proposal subject to shareholder vote. We determine the number of Fund shares that you may instruct us to vote by applying a conversion factor to each Policy Owner's unit balance. The conversion factor is calculated by dividing the total number of shares attributed to each Sub-Account by the total number of units in each Sub-Account. Fractional votes will be counted. We determine the number of shares as to which the Policy Owner may give instructions as of the record date for a Fund's shareholder meeting.

**Substitutions, Additions, or Deletions of Funds**

Subject to any applicable law, we may make certain changes to the Funds offered under your Policy. We may, in our sole discretion, establish new Funds. New Funds may be made available to existing Policy Owners as we deem appropriate. We may also close one or more Funds to additional premium payments or transfers from existing Funds. We may liquidate one or more Sub-Accounts if the board of directors of any Fund determines that such actions are prudent. Unless otherwise directed, investment instructions will be automatically updated to reflect the Fund surviving after any merger or liquidation.

We may eliminate the shares of any of the Funds from the Policy for any reason and we may substitute shares of another registered investment company for shares of any Fund already purchased or to be purchased in the future by the Account. To

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

the extent required by the 1940 Act, substitutions of shares attributable to your interest in a Fund will not be made until we have any necessary SEC and/or state approval. You will be given specific notice in advance of any substitution we intend to make.

In the event of any substitution or change, we may, by appropriate endorsement, make any changes in the Policy necessary or appropriate to reflect the substitution or change. If we decide that it is in the best interest of the Policy Owner, the Account may be operated as a management company under the 1940 Act or any other form permitted by law, may be deregistered under the 1940 Act in the event such registration is no longer required, or may be combined with one or more other Accounts.

**The Fixed Account**

The Fixed Account is not registered under the 1933 Act and the Fixed Account is not registered as an investment company under the 1940 Act. The Fixed Account is not subject to the provisions or restrictions of the 1933 Act or the 1940 Act. The following disclosure about the Fixed Account may be subject to

certain generally applicable provisions of the federal securities laws regarding the accuracy and completeness of disclosure. Amounts in the Fixed Account are part of our general account. The general account consists of all assets owned by us other than those in the Separate Account and in other separate accounts that have been or may be established by us. All insurance benefits, including the Death Benefit, any accelerated Death Benefits, other benefits available under the Policy and all guarantees, including our guarantee under the Fixed Account, are general account obligations that are subject to Company's financial strength and claims paying ability. Subject to applicable law, we have sole discretion over the investment of the general account assets, and Policy Owners do not share in the investment experience of those assets.

The Fixed Account credits at least 3% per year. We are not obligated to, but may, credit more than 3% per year. If we do, such rates are determined at our sole discretion. You assume the risk that, at any time, the Fixed Account may credit no more than 3%. We do not guarantee that any crediting rate above the guaranteed rate will remain for any guaranteed period of time.

**CHARGES AND DEDUCTIONS**

**Deductions from Premium**

Before your premium is allocated to the Sub-Accounts and/or the Fixed Account, we deduct a percentage from your premium for a sales load and for a tax charge. The amount allocated after the deduction is called your Net Premium.

**Deductions from Account Value**

Each month we will deduct an amount from your Account Value to pay for the benefits provided by your Policy. This amount is called the Monthly Deduction Amount and equals the sum of:

• the charge for the cost of insurance;

• the mortality and expense risk charge;

• the monthly per $1,000 charge;

• the monthly administrative charge; and

• the charges for additional benefits provided by rider, if any.

We will deduct the Monthly Deduction Amount on a Pro Rata Basis from each available Sub-Account and the Fixed Account unless you choose the Allocation of Charges Option.

**Front-End Sales Load**

We deduct a front-end sales load from each premium you pay. The current and maximum sales load in Policy Year 1 is 8%. The front-end sales load may be used to cover expenses related to the sale and distribution of the Policies. The current sales load after Policy Year 1 is 4%. The maximum sales load is 8% in Policy Years 2 through 20 and 6% thereafter. Sales loads may be different in your state. See **<u>[APPENDIX B](#ib3d5e05577b4484d87f19cafe5856f40_244)</u>** for state variations.

**Tax Charge**

We deduct a tax charge from each premium you pay. The tax charge covers taxes assessed against us by a state and/or other governmental entities. The range of such charge generally is between 0% and 5%. This tax charge rate may change if your state or municipal tax rate changes, or if you change your state or municipality of residence.

**Cost of Insurance Charge**

The cost of insurance charge compensates the Company for providing insurance protection. It is deducted each month as part of the Monthly Deduction Amount and is designed to

compensate the Company for the costs of paying Death Benefits. The charge for the cost of insurance equals:

• the cost of insurance rate per $1,000, multiplied by

• the Net Amount at Risk, divided by

• $1,000.

On any Monthly Activity Date, the Net Amount at Risk equals the Death Benefit less the Account Value on that date, prior to assessing the Monthly Deduction Amount.

Cost of insurance rates are based on the age, sex, and insurance class of the insured and the Face Amount and duration of the Policy. Cost of insurance rates will be determined on each Policy Anniversary based on our future expectations of such factors as mortality, expenses, interest, persistency and taxes. The cost of insurance rates will not exceed those based on the 1980 Commissioners Standard Ordinary Mortality Table (ALB), male or female, Smoker Distinct Table, age last birthday (unisex rates may be required in some states). A table of guaranteed cost of insurance rates per $1,000 will be included in your Policy, however, we reserve the right to use rates less than those shown in the table. The maximum rates that can be charged are on the Policy Specifications Pages. Substandard risks will be charged higher cost of insurance rates that will not exceed rates based on a multiple of 1980 Commissioners Standard Ordinary Mortality Table (ALB), Male or Female, Smoker Distinct Table, age last birthday (unisex rates may be required in some states and markets) plus any flat extra amount assessed. The multiple will be based on the insured's substandard rating.

Any changes in the cost of insurance rates will be made uniformly for all insureds of the same issue age, sex, insurance class and whose coverage has been in-force for the same length of time. No change in insurance class or cost will occur on account of deterioration of the insured's health.

Because your Account Value and Death Benefit may vary from month to month, the cost of insurance may also vary on each Monthly Activity Date. The cost of insurance depends on your Policy's Net Amount at Risk. Items which may affect the Net Amount at Risk include the amount and timing of premium payments, investment performance, fees and charges assessed, Policy loans and Death Benefit changes to the Face Amount.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

The following table provides hypothetical examples of the Net Amount at Risk's role in determining cost of insurance charges. The examples assume: (1) a $250,000 Face Amount; (2) total premiums paid of $10,000; (3) the Death Benefit meets the definition of life insurance test; and (4) a current monthly cost of insurance rate of $0.0407 per $1,000 of Net Amount at Risk.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) | **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) | **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) | **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) | **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) |
| Death Benefit Type | Death Benefit Amount | Account Value | Net Amount At Risk | Month's Cost of Insurance Charge |
| Type A | $250000 | $5000 | $245000 | $9.97 |
| Type A | $250000 | $15000 | $235000 | $9.56 |
| Type B | $255000 | $5000 | $250000 | $10.18 |
| Type B | $265000 | $15000 | $250000 | $10.18 |
| Type C | $260000 | $5000 | $255000 | $10.38 |
| Type C | $260000 | $15000 | $245000 | $9.97 |

---

**Mortality and Expense Risk Charge**

We deduct a mortality and expense risk charge on each Monthly Activity Date from your Account Value. During the first 10 Policy Years, the current (the amount we are currently charging) and maximum mortality and expense risk charge is 0.0625% of your Account Value in the Sub-Accounts. During Policy Years 11 to 20, the current rate is 0.0208% and the maximum rate is 0.0417% of your Account Value in the Sub-Accounts. After the 20th Policy Year there is no charge.

The mortality and expense risk charge compensates us for mortality and expense risks assumed under the Policies. The mortality risk assumed is that the cost of insurance charges are insufficient to meet actual claims. The expense risk assumed is that the expense incurred in issuing, distributing and administering the Policies exceed the administrative charges and sales loads collected. We may keep any difference between the cost it incurs and the charges it collects.

**Monthly Per $1,000 Charge**

We deduct a charge from your Account Value called the monthly per $1,000 charge on each Monthly Activity Date. The monthly per $1,000 charge compensates us for certain Policy administrative and sales expenses and costs we incur in marketing, underwriting and acquiring Policy Owners. The charge is assessed based on your initial Face Amount and certain subsequent increases in your Face Amount. The charge is deducted for a period of:

• 7 years after you purchase your Policy; and

• 7 years after an unscheduled increase in your Face Amount, and each increase under the Cost of Living Adjustment Rider, if elected.

The total monthly per $1,000 charge is equal to:

• the applicable monthly per $1,000 rates; multiplied by

• the applicable Face Amounts; divided by

• $1,000.

The monthly per $1,000 charge is individualized based on the insured's initial Face Amount, Death Benefit option, issue age or age at time of a Face Amount increase, sex and insurance class. The monthly per $1,000 charge compensates us for expenses incurred in issuing, distributing, and administering the Policies.

The following table provides examples of the initial monthly charge per $1,000 of initial Face Amount.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Sample Monthly Per $1,000 Charge** | **Sample Monthly Per $1,000 Charge** | **Sample Monthly Per $1,000 Charge** | **Sample Monthly Per $1,000 Charge** | **Sample Monthly Per $1,000 Charge** |
| Issue Age | Male Standard Non-Nicotine | Male Standard Nicotine | Female Standard Non-Nicotine | Female Standard Nicotine |
| 35 | $0.1449 | $0.2538 | $0.1301 | $0.1880 |
| 45 | $0.3177 | $0.4732 | $0.2182 | $0.3445 |
| 55 | $0.4507 | $0.5884 | $0.3488 | $0.4638 |
| 65 | $0.6602 | $0.6574 | $0.5833 | $0.6287 |

---

The minimum monthly charge is $0.0484 per $1,000 for a 16 year old female preferred plus non-nicotine with a $5,000,000 Face Amount or more. The maximum monthly charge is $0.8992 per $1,000 for a male standard nicotine, age 68 or older with a Face Amount less than $5,000,000. The amount of the maximum charge that applies to your particular Policy is shown in the Policy's data pages.

**Monthly Administrative Charge**

We deduct a monthly administrative charge from your Account Value to compensate us for issue and administrative costs of the Policy. The current monthly administrative charge is $7.50 for initial Face Amounts of $100,000 and above. The current charge for initial Face Amounts below $100,000 is $10 per month. The maximum administrative charge is $10 per month for all initial Face Amounts.

**Surrender Charge**

Surrender charges will be deducted from your Account Value if you surrender your Policy:

a) during the first 9 Policy Years;

b) within 9 years of an unscheduled increase in your Face Amount; or

c) within 9 years of an increase in your Face Amount under the Cost of Living Adjustment Rider, if elected.

The amount of surrender charge is individualized based on the insured's age, sex, and insurance class on the date of issue and is expressed as a rate per $1,000 of initial Face Amount or Face Amount increase. The surrender charges by Policy Year are shown in your Policy. The charge compensates us for expenses incurred in issuing the Policy and the recovery of acquisition costs. We may keep any difference between the cost it incurs and the charges it collects.

The following chart provides an example of the surrender charge applied to a Policy with an insured male, age 49 at Policy issuance with an initial Face Amount of $100,000, assuming the Face Amount is not increased. You may obtain more information about the particular surrender charge that applies to you by contacting your financial representative.

---

| | |
|:---|:---|
| **Policy Year** | **Maximum <br>Surrender Charge** |
| 1 | $1883 |
| 2 | $1798 |
| 3 | $1712 |
| 4 | $1370 |
| 5 | $1141 |
| 6 | $913 |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

---

| | |
|:---|:---|
| 7 | $685 |
| 8 | $457 |
| 9 | $228 |
| 10+ | $0 |

---

**Transaction Charges**

• We may charge up to $10 for each partial withdrawal. We are currently not assessing a withdrawal charge.

• We may charge an administrative transfer fee of up to $25 per transfer after the first transfer you make in any month. We are currently not assessing an administrative transfer fee.

**Charges for Rider Coverage**

If your Policy includes the following riders, there is a separate charge for each to compensate us for the anticipated cost of providing these benefits and is specified on the applicable rider. For a complete description of the riders available, see **<u>RIDERS</u>.** 

*•* **Enhanced No Lapse Guarantee Rider** – We deduct a monthly charge for this rider which lets you choose a longer No Lapse Guarantee Period. The charge ranges from $0.01 to $0.10 per $1,000 of the Face Amount and is charged until rider termination.

*•* **Lifetime No Lapse Guarantee Rider** - We deduct a monthly charge for this rider which lets you extend the No Lapse Guarantee Period to the end of the life of the insured. The charge ranges from $0.01 to $0.06 per $1,000 of the Face Amount and is charged until the earliest of: (a) 20 years, (b) Policy maturity, and (c) rider termination.

**•** **Waiver of Specified Amount Disability Benefit Rider** – We deduct a monthly charge for this rider which credits the Policy with an amount specified in your Policy if the insured becomes Totally Disabled. The charge ranges from $0.04 to $0.199 per $1 of the specified amount for Policies issued on or before March 12, 2007 and $0.039 to $0.107 per $1 of the specified amount for Policies issued after March 12, 2007. The charge is based on issue age and sex of the insured and is charged until the rider terminates after the insured reaches Attained Age 65.

• **Deduction Amount Waiver Rider** – We deduct a monthly charge for this rider which waives the Monthly Deduction Amount of your Policy while the insured is Totally Disabled. The charge ranges from 6.9% to 34.5% of the Monthly Deduction Amount and is charged until the rider terminates after the insured reaches Attained Age at age 65.

• **Accidental Death Benefit Rider** – We deduct a monthly charge for this rider which pays a specified amount when the insured dies under accidental circumstances. The charge ranges from $0.083 to $0.18 per $1,000 of the coverage amount and is charged until the rider terminates following the insured's 70th birthday.

• **Term Insurance Rider** – We deduct a monthly charge for this rider which provides term life insurance coverage on the life of the insured. The current charge ranges from $0.007 to $30.8363 per $1,000 of the coverage amount and is charged until the insured reaches Attained Age 100. During the first 12 months that a Term Insurance Rider is in force, there is an additional monthly charge of $.083 per $1,000 of the coverage amount, subject to a maximum amount of $125 per month. This first year charge is waived if the insured on the Term Insurance Rider is the same as the insured on the base Policy and the rider is applied for at issue.

• **Child Insurance Rider** – We deduct a monthly charge for this rider that provides term life insurance on all the insured children. The charge is $0.50 per $1,000 of the coverage amount and is charged until the earliest of: (a) the Policy Anniversary date following age 65 of the Primary Insured; (b) the 25th birthday of the last insured child included in the coverage; and (c) termination of the base Policy.

• **Accelerated Death Benefit Rider for Terminal Illness** – This rider provides a lump sum accelerated Death Benefit in the event an insured's life expectancy is 12 months (24 months in some states) or less. There is a one time maximum charge of $300 when the benefit of this rider is exercised. The current charge is $50. The accelerated Death Benefit will be discounted for one year of interest at the prevailing rate, but at no more than 10%.

• **LifeAccess Accelerated Benefit Rider** – We deduct a monthly charge for this rider which provides a monthly or lump sum accelerated Death Benefit in the event the insured becomes Chronically Ill and is likely to need services for the remainder of the insured's life. The current charge ranges from $0.0034 to $8.11 per $1,000 of the Benefit Net Amount at Risk and is charged until the rider is terminated.

• **Policy Continuation Rider** – We deduct a one time maximum transaction charge of 7% of your Account Value when the benefit of this rider is exercised. The current charge is 6%. This rider provides you the option to continue your Policy at a reduced Death Benefit with no further Monthly Deduction Amounts in the event your Policy is in danger of default or termination due to excessive Indebtedness.

**Fund Expenses**

The investment performance of each Fund reflects the management fee that the Fund pays to its investment manager as well as other operating expenses that the Fund incurs. Investment management fees are generally daily fees computed as a percentage of a Fund's average daily net assets as an annual rate. Please read the prospectus for each Fund for complete details.

**Net Interest on Loans**

Interest will accrue daily on the Indebtedness at the Policy loan rate. The net interest on loans reflects the net difference between the interest rates charged and credited. A loan taken during the first 10 Policy Years, has an effective annual interest rate of up to 5%. Currently this rate is 5%. A loan taken in Policy Years 11 and later has an effective annual interest rate of up to 4.25% for non-preferred loans and up to 3.25% for preferred loans. Currently this rate is 4% for non-preferred loans and 3% for preferred loans. All loans have an effective annual interest credit equal to 3%. See **<u>[Loans](#ib3d5e05577b4484d87f19cafe5856f40_202)</u>**.

**Allocation of Charges Option**

You may provide us with written instructions to re-direct the deduction of your Policy's Monthly Deduction Amount charges that are assessed on a monthly basis to specified Sub-Account(s) and/or the Fixed Account. If you do not provide us with written instructions, or if the assets in any of the specified Sub-Accounts or the Fixed Account are insufficient to pay the charge as requested, the Monthly Deduction Amount will then be deducted on a Pro Rata Basis from each available Sub-Account and the Fixed Account.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

**Commissions Paid To Broker-Dealers**

As compensation for selling the Policies, Pruco Securities pays to broker-dealers a commission of up to 120% of the premiums paid up to the first twelve recommended monthly minimum premiums, up to 4% of all other premiums paid during the first

year of the Policy, up to 4% of all such premiums in Policy Years two through ten and up to 2.5% of all such premiums in years eleven and later. Pruco Securities pays a comparable amount of compensation for any increase of $25,000 or more in the Face Amount of coverage that you request.

**PERSONS HAVING RIGHTS UNDER THE POLICY**

**The Policy Owner**

As long as your Policy is in force, the Policy Owner ("you") may exercise all rights under the Policy while the insured is alive and no beneficiary has been irrevocably named.

**The Insured**

The insured is the person on whose life the Policy is issued. You name the insured in the Application of the Policy. The Policy Owner must have an insurable interest on the life of the insured in order for the Policy to be valid under state law and for the Policy to be considered life insurance for federal income tax purposes. An insurable interest generally exists when there is a demonstrable interest in something covered by an insurance Policy, the loss of which would cause deprivation or financial loss. There must be a valid insurable interest at the time the Policy is issued. If there is not a valid insurable interest, the Policy will not provide the intended benefits. Through our underwriting process, we will determine whether the insured is insurable.

You may request to change the insured's insurance class to a more favorable class if the health of the insured has improved or if the insured no longer uses nicotine. Upon providing us satisfactory evidence, we will review the insurance classification. If we grant a change in insurance classification, only future cost of insurance rates will be based on the more favorable class and all other Policy terms and provisions will remain as established at issue. We will not change an insurance class on account of deterioration of your health.

**The Beneficiary**

The beneficiary is the person you name in the Application to receive any Death Benefit. You may change the beneficiary (unless irrevocably named) while the insured is alive by notifying us in writing. If no beneficiary is living when the insured dies, the Death Benefit will be paid to you, if living; otherwise, it will be paid to your estate.

**OTHER GENERAL POLICY PROVISIONS**

**Policy Termination**

The Policy will terminate on the earliest of the following events:

a) your surrender of the Policy;

b) the end of the Policy grace period when premiums sufficient to keep the Policy from terminating are not paid; and

c) the date the insured dies.

**Modification of Policy**

The only way the Policy may be modified is by a written agreement signed by our President, or one of our Vice Presidents, Secretaries, or Assistant Secretaries.

**Change of Address**

It is important that you notify us if you change your address. If your mail is returned to us, we are likely to suspend future mailings until an updated address is obtained. In addition, we may rely on third parties, including the US Postal Service, to update your current address. Unless preempted by the Employee Retirement Income Security Act of 1974 ("ERISA"), failure to give us a current address may result in payments due and payable on your life Policy being considered abandoned property under state law, and remitted to the applicable state.

**Assignment**

You may assign your Policy. Until you notify us in writing, no assignment will be effective against your Policy. We are not responsible for the validity of any assignment.

**Incontestability**

We cannot contest the Policy after it has been in force, during the insured's lifetime, for two years from its date of issue, except for non-payment of premium.

Any increase in the Face Amount for which evidence of insurability was obtained, will be incontestable only after the increase has been in force, during the insured's lifetime, for two years from the effective date of the increase.

The Policy may not be contested for more than two years after the reinstatement date. Any contest we make after the Policy is reinstated will be limited to material misrepresentations in the evidence of insurability provided to us in the request for reinstatement. However, the provision will not affect our right to contest any statement in the original Application or a different reinstatement request which was made during the insured's lifetime from the date of issue of the Policy or a subsequent reinstatement date.

**Misstatement Of Age And/Or Sex**

If on the date of death: (a) the issue age of the insured is understated; or (b) the sex of the insured is incorrectly stated such that it resulted in lower cost of insurance, the Death Benefit will be reduced to the Death Benefit that would have been provided by the last cost of insurance charge at the correct issue age and/or sex.

If on the date of death: (a) the issue age of the insured is overstated; or (b) the sex of the insured is incorrectly stated such that it resulted in higher cost of insurance, the Death Benefit will be adjusted by the return of all excess costs of insurance prior to the date of the insured's death. Excess cost of insurance charges equal the sum of the following for each Monthly Activity Date: (a) the Net Amount at Risk on each Monthly Activity Date; multiplied by (b) the actual cost of insurance rate used to determine Monthly Deduction Amounts less the cost of insurance rate based on the true age and sex of the insured; (c) divided by 1,000.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

**Suicide Exclusion**

If, within two years from the date of issue, the insured dies by suicide, while sane or insane, our liability will be limited to the premiums paid less Indebtedness and less any withdrawals. If, within two years from the effective date of any increase in the Face Amount for which evidence of insurability was obtained, the insured dies by suicide, while sane or insane, our liability with respect to such increase, will be limited to the cost of insurance for the increase.

**Reduced Charges**

The Policy is available for purchase by individuals, corporations and other entities. We may reduce or waive certain charges

described above where the size or nature of such sales results in savings to us with respect to sales, underwriting, administrative or other costs. Eligibility for these reductions will be determined by factors that we believe are relevant to the expected reduction of our expenses. Some of these reductions may be guaranteed and others may be subject to modification. We may modify, from time to time on a uniform basis, both the amounts of reductions and the criteria for qualification. Reductions in these charges will not be unfairly discriminatory against any person, including the affected Policy Owners invested in the Separate Account.

**DEATH BENEFITS**

Your Policy provides for the payment of the death proceeds to the named beneficiary upon receipt of due proof of the death of the insured. You must notify us in writing or via telephone as soon as possible after the death of the insured. The death proceeds payable to the beneficiary equal the Death Benefit less any Indebtedness and less any due and unpaid Monthly Deduction Amount occurring during a grace period. The Death Benefit depends on the Death Benefit option you select.

The Policy must satisfy a Death Benefit compliance test to qualify as life insurance under Section 7702 of the Internal Revenue Code. The test effectively requires that the Death Benefit always be equal to or greater than the Account Value multiplied by a certain percentage. Your Policy has a minimum Death Benefit. We will automatically increase the Death Benefit so that it will never be less than the Account Value multiplied by the minimum Death Benefit percentage for the then current year. This percentage varies according to the Policy Year and insured's issue age, sex (where unisex rates are not used) and insurance class. This percentage will never be less than 100% or greater than 1400%. The specified percentage applicable to you is listed on your Policy Specifications Pages.

**Examples of Minimum Death Benefit**

---

| | | |
|:---|:---|:---|
| | **A** | **B** |
| Face Amount | $50000 | $50000 |
| Account Value | $23000 | $17000 |
| Specified Percentage | 250% | 250% |
| Death Benefit Option | Option A | Option A |

---

In Example A, the Death Benefit equals $57,500, i.e., the greater of $50,000 (the Face Amount) and $57,500 (the Account Value at the date of death of $23,000, multiplied by the specified percentage of 250%). This amount, less any outstanding Indebtedness, constitutes the death proceeds payable to the beneficiary.

In Example B, the Death Benefit is $50,000, i.e., the greater of $50,000 (the Face Amount) and $42,500 (the Account Value of $17,000, multiplied by the specified percentage of 250%).

Your Account Value decreases due to the deduction of Policy charges. Account Value may increase or decrease depending on investment performance; investment expenses and fees reduce the investment performance of the Sub-Accounts. Fluctuations in your Account Value may have an effect on your Death Benefit. If your Policy lapses, the Policy terminates and no Death Benefit will be paid.

**Death Benefit Options**

You have four Death Benefit options available. Options A, B and C are available when you purchase your Policy. Option D is not available when you purchase your Policy, however, you may change from Option B to Option D.

• **Option A (Level Option)** — The Death Benefit is the current Face Amount.

• **Option B (Return of Account Value Option)** — The Death Benefit is the current Face Amount, plus the Account Value on the date we receive due proof of the insured's death.

• **Option C (Return of Premium Option)** — The Death Benefit is the current Face Amount, plus the sum of the premiums paid. This Death Benefit option is subject to an overall maximum, which is currently the Face Amount plus $5 million.

• **Option D (Decreasing Option)** — The Death Benefit is the current Face Amount, plus the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ the Account Value on the date we receive due proof of the insured's death; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ the Account Value on the date of the change from Death Benefit Option B (Return of Account Value) to Option D (Decreasing Option), reduced by any withdrawals.

**Changing the Death Benefit Option**

You may change your Death Benefit option by notifying us in writing. Any change will become effective on the Monthly Activity Date following the date we receive your request. If the insured dies before the Monthly Activity Date after we receive your request, we will pay the Death Benefit as if you had never changed your Death Benefit option.

The following changes are allowed without evidence of insurability:

• You may change Option A (Level Option) to Option B (Return of Account Value Option). If you do, the Face Amount will become that amount available as a Death Benefit immediately prior to the option change, decreased by the then current Account Value.

• You may change from Option B (Return of Account Value Option) to Option D (Decreasing Option). The Option D Death Benefit is the current Face Amount increased by the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ the Account Value on the date we receive due proof of death of the insured; and

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ the Account Value on the date of you changed the Death Benefit option from Option B (Return of Account Value) to Option D (Decreasing Option), reduced by any withdrawals.

• You may change Option C (Return of Premium Option) to Option A (Level Option). If you do, the Face Amount will become that amount available as a Death Benefit immediately prior to the option change.

In addition, you may change from Option B (Return of Account Value Option) to Option A (Level Option). However, if this change would result in a Face Amount that exceeds our guidelines and limitations that may be in effect, you must provide evidence of insurability satisfactory to us. If you do, the Face Amount will become the Face Amount immediately prior to the option change increased by the Account Value on the date of the option change.

You should consult a tax adviser regarding the possible adverse tax consequences resulting from a change in your Death Benefit option.

**Increasing or Decreasing the Face Amount**

At any time after the first Policy Year, you may request in writing to change the Face Amount. The minimum amount by which the Face Amount can be increased or decreased is based on our rules then in effect.

We reserve the right to limit the number of increases or decreases made under a Policy to no more than one in any 12 month period.

All requests to increase the Face Amount must be applied for on a new Application and accompanied by your Policy. All requests will be subject to evidence of insurability satisfactory to us. Any increase approved by us will be effective on the Monthly Activity Date shown on the new Policy Specifications Pages, provided that the Monthly Deduction Amount for the first month after the effective date of the increase is made. Any unscheduled increase will be subject to additional monthly per $1,000 charges, additional cost of insurance charges and additional surrender charges, all of which are based on the Attained Age of the insured at the time of the increase. We will send you additional Policy Specifications Pages describing these charges.

A decrease in the Face Amount will be effective on the Monthly Activity Date following the date we receive your request in writing. If you elect to decrease your Face Amount, the decrease will result in an overall reduction of charges because the amount of insurance coverage has decreased. However, the rate of charges will remain the same. The remaining Face Amount must not be less than that specified in our minimum rules then in effect.

**Death Claim Settlement Options**

Proceeds from your Policy may be paid in a lump sum or may be applied to one of the available settlement options listed in your Policy. At the time proceeds are payable, the beneficiary can select the method of payment.

**Pathways Program Option —** If the Death Benefit payment is $10,000 or greater, the beneficiary may elect to have their death proceeds paid through our Pathways Program. Under the Pathways Program, the proceeds remain in our general account and the beneficiary will receive a draft book. Proceeds are guaranteed by the claims paying ability of the Company; however, it is not a bank account and is not insured by Federal Deposit Insurance Corporation ("FDIC"). The beneficiary can write one draft for the total amount of the payment, or keep

the money in the general account and write drafts as needed. We will credit interest at a rate determined periodically in our sole discretion. For federal income tax purposes, the beneficiary will be deemed to have received the lump sum payment on transfer of the Death Benefit proceeds to the general account. Any interest paid to the beneficiary ("Account holder") will be taxable to the beneficiary in the tax year that it is credited. We may not offer the Pathways Account in all states and we reserve the right to discontinue offering it at any time. Although there are no direct charges for the Pathways Program, Prudential earns investment income from the proceeds under the program. The investment income earned is likely more than the amount of interest we credit to the beneficiary and we may make a profit from the difference.

**Other Settlement Options —** The minimum amount that may be placed under the following settlement options is $5,000, subject to our then-current rules. Once payments under the Second Option or the Third Option begin, no surrender may be made for a lump sum settlement in lieu of the life insurance payments. The following payment options are available to you or your beneficiary. Your beneficiary may choose a settlement.

**First Option — Interest Income**

Payments of interest at the rate we declare (but not less than 2% per year) on the amount applied periodically under this option. You may request these payments to be made monthly, quarterly, semi-annually or annually. At any time you may request to receive the lump sum of the money that we are holding.

**Second Option — Income of Fixed Amount**

Equal payments of the amount chosen until the amount applied under this option (with interest of not less than 2% per year) is exhausted. You may request these payments to be made monthly, quarterly, semi-annually or annually. The final payment will be for the balance remaining.

**Third Option — Payments for a Fixed Period**

An amount payable monthly for the number of years selected, which may be from one to 30 years.

The Policy provides for guaranteed dollar amounts of monthly payments for each $1,000 applied under the three payment options. If any periodic payment due any payee is less than $200, we may make payments less often.

Other arrangements for income payments may be agreed upon.

**Benefits at Maturity**

The scheduled Maturity Date is the anniversary on which the insured attains age 100 and is the last date on which you may elect to make premium payments. Unless you elect to continue the Policy beyond this date, the Policy will terminate and any Cash Surrender Value will be paid to you.

If elected, the Policy may continue in force after the scheduled Maturity Date if: (a) the Policy was in force on the scheduled Maturity Date; and (b) the owner of the Policy (including any assignee of record) agrees in writing to this continuation.

At the scheduled Maturity Date, you may elect one of two options.

**Under Option 1:**

• Policy values will be transferred to the Fixed Account and no further transfers will be allowed;

• the Face Amount will be set equal to the Death Benefit on the Maturity Date; and

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

• the Death Benefit option will be changed to Option A (Level Option).

**Under Option 2:**

• The Face Amount will be set equal to the Death Benefit minus the Account Value on the Maturity Date;

• the Death Benefit option will be changed to Option B (Return of Account Value Option) with no evidence of insurability being required; and

• the Account Value, if any, will continue to fluctuate with investment performance.

**Under both Option 1 and 2:**

• Any loans will continue to accrue interest and become part of Indebtedness;

• no future Monthly Deduction Amounts will be deducted;

• no further premium payments will be accepted;

• all additional benefits provided by rider will terminate at the scheduled Maturity Date;

• the Policy may terminate due to excessive Indebtedness; and

• loan repayments may still be made during this time.

Otherwise, the Policy will terminate on the scheduled Maturity Date.

**When Death Benefit Proceeds Are Paid**

We will pay the death proceeds (Death Benefit less Indebtedness) to the beneficiary normally within seven days after proof of death of the insured is received by us, at the Individual Life Operations Center, and the Company has: (1) verified the validity of the claim; (2) received all required beneficiary forms and information; (3) completed all investigations of the claim; and (4) determined all other information has been received and is in Good Order.

**OTHER BENEFITS AVAILABLE UNDER THE POLICY**

In addition to the standard Death Benefit(s) associated with your Policy, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about applicable fees associated with each benefit included in this table may be found in the **<u>FEE TABLE</u>**.

---

| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[No Lapse Guarantee](#ib3d5e05577b4484d87f19cafe5856f40_145)</u> | Guarantees that your Account Value less Indebtedness will never be less than zero and your Death Benefit will be at least equal to the Face Amount. | Standard | • The No Lapse Guarantee is available as long as:<br>&nbsp;&nbsp;&nbsp;&nbsp;◦ the Policy is issued to an insured age 75 or less;<br>&nbsp;&nbsp;&nbsp;&nbsp;◦ the No Lapse Guarantee Period has not expired; and<br>&nbsp;&nbsp;&nbsp;&nbsp;◦ on each Monthly Activity Date during the No Lapse Guarantee Period, the cumulative premiums paid into the Policy, less Indebtedness and less withdrawals, equal or exceed the Cumulative No Lapse Guarantee Premium. |
| <u>Dollar Cost Averaging Program</u> | Allows you to regularly transfer an amount you select from the Fixed Account or any Sub-Account into a different Sub-Account. | Standard | • If, on any transfer date, your Account Value allocated to the Dollar Cost Averaging Program is less than the amount you have elected to transfer, your Dollar Cost Averaging Program will terminate. |
| <u>Static Asset Allocation Models</u> | Allows you to select your portfolio of Funds based on your risk tolerance, time horizon and investment objectives. | Standard | • These model portfolios do not include the Fixed Account. <br>• You may participate in only one model portfolio at a time. |
| <u>Asset Rebalancing</u> | Allows you to automatically rebalance your Policy Account Value in the Sub-Account and the percentages you want allocated to each Sub-Account, to meet your investment needs. | Standard | • You may only participate in one model at a time. |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit, continued** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Enhanced No Lapse Guarantee Rider](#ib3d5e05577b4484d87f19cafe5856f40_151)</u> | This rider lets you choose a longer No Lapse Guarantee Period and guarantees that your Account Value less Indebtedness will never be less than zero and your Death Benefit will be at least equal to the Face Amount. | Optional | • The Enhanced No Lapse Guarantee is only available if the cumulative premiums paid into the Policy, less Indebtedness and less withdrawals, equal or exceed the Cumulative No Lapse Guarantee Premium.<br>• If the Policy goes into default after the 10th Policy Anniversary, and the No Lapse Guarantee remains available under the Enhanced No Lapse Guarantee Rider, the Policy will remain in force with the following modifications: (1) the Death Benefit option will be Option A (Level Option); (2) all riders other than the Enhanced No Lapse Guarantee Rider and the Child Insurance Rider, if applicable, will terminate; (3) any future scheduled increases in the Face Amount will be canceled; and (4) no Death Benefit option changes will be allowed while the Policy remains in default. |
| <u>[Lifetime No Lapse Guarantee Rider](#ib3d5e05577b4484d87f19cafe5856f40_830)</u> | This rider lets you extend the No Lapse Guarantee Period to the end of the life of the insured and guarantees that your Account Value less Indebtedness will never be less than zero and your Death Benefit will be at least equal to the Face Amount. | Optional | • The Lifetime No Lapse Guarantee is only available if the cumulative premiums paid into the Policy, less Indebtedness and less withdrawals, equal or exceed the Cumulative No Lapse Guarantee Premium.<br>• If the Policy goes into default, and the No Lapse Guarantee remains available under the Lifetime No Lapse Guarantee Rider, the Policy will remain in force with the following modifications: (1) the Death Benefit option will be Option A (Level Option); (2) all riders other than the Enhanced No Lapse Guarantee Rider and the Child Insurance Rider, if applicable, will terminate; (3) any future scheduled increases in the Face Amount will be canceled; and (4) no Death Benefit option changes will be allowed while the Policy remains in default. |
| <u>[Waiver of Specified Amount Disability Benefit Rider](#ib3d5e05577b4484d87f19cafe5856f40_154)</u> | We will credit the Policy with an amount specified in your Policy if the insured becomes Totally Disabled. | Optional | • This rider is only available at Policy issuance.<br>• The rider automatically terminates after the insured reaches Attained Age 65. <br>• For Policies issued on or before March 12, 2007, rider benefits may vary for individuals that become disabled between the ages of 60 and 65.<br>• The Benefit will not be credited to the Policy if disability results, directly or indirectly, wholly or partly, from: (a) willfully and intentionally self-inflicted injury; or (b) service in the armed forces of any country or international authority at war, whether such war is declared or undeclared; or (c) sickness or disease which predated the Application for this rider. |
| <u>[Deduction Amount Waiver Rider](#ib3d5e05577b4484d87f19cafe5856f40_157)</u> | We will waive your Policy's Monthly Deduction Amount while the insured is Totally Disabled. | Optional | • This rider is only available at Policy issuance.<br>• Rider benefits are not available if insured becomes disabled after age 65.<br>• Rider benefits may vary for individuals that become disabled between the ages of 60 and 65.<br>• No Deduction Amount will be waived if disability results, directly or indirectly, wholly or partly, from: (a) willfully and intentionally self-inflicted injury; or (b) service in the armed forces of any country or international authority at war, whether such war is declared or undeclared; or (c) sickness or disease which predated the Application for this rider. |
| <u>[Accidental Death Benefit Rider](#ib3d5e05577b4484d87f19cafe5856f40_160)</u> | We will pay a specified amount when the insured dies under accidental circumstances. | Optional | • This rider is only available at Policy issuance.<br>• This rider is not available when simplified underwriting is performed for the base Policy.<br>• The rider terminates following the insured's 70th birthday.<br>• Benefit payments are subject to eligibility requirements.  |
| <u>[Cost of Living Adjustment Rider](#ib3d5e05577b4484d87f19cafe5856f40_840)</u> | We will increase your Face Amount without evidence of insurability on every second anniversary of the rider. | Optional | • This rider is only available at Policy issuance.<br>• Face Amount increases are based on increases in the Consumer Price Index, subject to certain limitations. <br>• If you do not accept an increase, this rider is terminated and no future increases will occur.  |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit, continued** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Term Insurance Rider](#ib3d5e05577b4484d87f19cafe5856f40_163)</u> | We will pay the term life insurance benefit when the covered insured dies, according to the terms of your Policy and the rider. | Optional | • We may require proof of insurability before we issue this rider. |
| <u>[Child Insurance Rider](#ib3d5e05577b4484d87f19cafe5856f40_849)</u> | Provides term life insurance coverage on all the eligible children of the insured under the Policy. | Optional | • This rider is available for issue to insured children who are at least 16 days old but not yet 14 years old.<br>• This rider may be added after Policy issue.<br>• The rider terminates at the earliest of: (a) the 25th birthday of last insured child included in rider coverage; (b) the Policy Anniversary date following age 65 of the Primary Insured; and (c) the termination date of the base Policy.<br>• This rider is not available if the base insured is rated substandard.<br>• This rider may not be available on all Policies.  |
| <u>[Accelerated Death Benefit Rider for Terminal Illness](#ib3d5e05577b4484d87f19cafe5856f40_864)</u> | We will pay a lump sum accelerated Death Benefit at your request in the event an insured's life expectancy is 12 months (24 months in some states) or less. | Optional | • This rider is available to all issue ages, and may be added at any time.<br>• The maximum amount of Death Benefit that can be accelerated is 100% of the Death Benefit, or $500,000 if less.<br>• This rider does not provide accelerated Death Benefits if the Specified Insured or his/her Physician reside outside the United States of America.<br>• This rider will terminate at the earliest of the following: (a) when we receive your request in writing to cancel it; (b) when the Policy terminates; and (c) on the Policy Adjustment Date. |
| <u>[LifeAccess Accelerated Benefit Rider](#ib3d5e05577b4484d87f19cafe5856f40_859)</u> | We will pay an accelerated Death Benefit up to 100% of the Death Benefit and any term amount In the event the insured becomes Chronically Ill and is likely to need services for the remainder of the insured's life. | Optional | • This rider is only available at Policy issuance.<br>• Benefit payments are subject to eligibility requirements.<br>• Accelerated benefit will not be provided if the insureds' Chronic Illness is a result of any one of the following events: (1) attempted suicide or intentional self-inflicted injury while sane or insane, (2) any act or incident of insurrection or war, declared or undeclared, (3) the insured's participation in, or attempting to participate in, a felony, riot or insurrection, alcoholism or drug addiction, or (4) if the insured's Licensed Health Care Practitioner resides outside of the United States.<br>• As a condition of eligibility for benefits under the rider, we may impose restrictions or limitations on the availability of certain investment options. |
| <u>[Policy Continuation](#ib3d5e05577b4484d87f19cafe5856f40_880)[Rider](#ib3d5e05577b4484d87f19cafe5856f40_880)</u> | The rider guarantees the Policy will not go into default or terminate due to excessive Indebtedness. | Optional | • The rider may be exercised when all of the following conditions are met: (1) Indebtedness exceeds the Face Amount, or amounts at least equal to all premiums paid have been withdrawn, (2) The Policy has been in-force at least 15 Policy Years, (3) The insured has Attained Age 75, and (4) Indebtedness does not exceed 99.5% of the Account Value after reduction of the transaction charge as of the election effective date. |

---

**NO LAPSE GUARANTEE**

The Policy will remain in force at the end of the Policy grace period as long as the No Lapse Guarantee is available. The No Lapse Guarantee is available as long as:

a) the Policy is issued to an insured age 75 or less;

b) the No Lapse Guarantee Period has not expired; and

c) on each Monthly Activity Date during the No Lapse Guarantee Period, the cumulative premiums paid into the Policy, less Indebtedness and less withdrawals, equal or exceed an amount known as the Cumulative No Lapse Guarantee Premium.

The Cumulative No Lapse Guarantee Premium is the premium required to maintain the No Lapse Guarantee. We calculate it on each Monthly Activity Date. When we issue your Policy, the Cumulative No Lapse Guarantee Premium is the No Lapse Guarantee Premium shown on your Policy Specifications Pages. We call it "cumulative" because on each new Monthly Activity Date it is the previous Monthly Activity Date's Cumulative No Lapse Guarantee Premium plus the No Lapse Guarantee Premium shown on your Policy Specifications Pages.

Starting on the effective date of your Policy, the length of the No Lapse Guarantee Period is:

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

• 10 years, or to age 75 if sooner, but never less than 5 years.

While the No Lapse Guarantee is available, we guarantee your Account Value will never be less than zero and your Death Benefit will be at least equal to the Face Amount. If the insured dies while the No Lapse Guarantee is available, we will pay the death proceeds.

If there is any increase or decrease in the Face Amount, or any change in rider coverage or a change in insurance class, a new monthly No Lapse Guarantee Premium will be calculated. We will send you a notice of the new monthly No Lapse Guarantee Premium, which will be used in calculating the Cumulative No Lapse Guarantee Premium in subsequent months.

**RIDERS**

You may add additional benefits to your Policy by electing one or more of the riders described below. Some riders involve additional costs that depend on the age, sex, and insurance class of the insured, and the level of benefit provided by the rider. Each rider is subject to the restrictions and limitations described in the rider. Riders may not be available in all states and certain features may be subject to state variations. See **<u>[APPENDIX B](#ib3d5e05577b4484d87f19cafe5856f40_244)</u>** for more information.

**Enhanced No Lapse Guarantee Rider**

If you select the Enhanced No Lapse Guarantee Rider, it lets you extend the No Lapse Guarantee Period as follows:

• For issue ages of 70 or less you may choose to extend the No Lapse Guarantee Period to 20 years or age 80 if sooner;

• For issue ages over 70 you may choose to extend the No Lapse Guarantee Period to 10 years or age 90 if sooner.

While the No Lapse Guarantee is available, we guarantee your Account Value will never be less than zero and your Death Benefit will be at least equal to the Face Amount.

With the Enhanced No Lapse Guarantee Rider, the Policy will go into default after the 10th Policy Anniversary if the Account Value less Indebtedness is not sufficient to cover the Monthly Deduction Amount. If the Policy goes into default after the 10th Policy Anniversary, and the No Lapse Guarantee remains available under the Enhanced No Lapse Guarantee Rider, the Policy will remain in force with the following modifications:

• the Death Benefit option will be Option A (Level Option);

• all riders other than the Enhanced No Lapse Guarantee Rider and the Child Insurance Rider, if applicable, will terminate;

• any future scheduled increases in the Face Amount will be canceled; and

• no Death Benefit option changes will be allowed while the Policy remains in default.

**Lifetime No Lapse Guarantee Rider**

If you select the Lifetime No Lapse Guarantee Rider, it lets you extend the No Lapse Guarantee Period to the end of the life of the insured.

With the Lifetime No Lapse Guarantee Rider, the Policy will go into default if the Account Value less Indebtedness is not sufficient to cover the Monthly Deduction Amount. If the Policy goes into default, and the No Lapse Guarantee remains available under the Lifetime No Lapse Guarantee Rider, the Policy will remain in force with the following modifications:

• the Death Benefit option will be Option A (Level Option);

• all riders other than the Lifetime No Lapse Guarantee Rider and the Child Insurance Rider, if applicable, will terminate;

• any future scheduled increases in the Face Amount will be canceled; and

• no Death Benefit option changes will be allowed while the Policy remains in default.

While the No Lapse Guarantee is available, we guarantee your Account Value will never be less than zero and your Death Benefit will be at least equal to the Face Amount.

**Grace period for Lifetime No Lapse Guarantee Rider** — If on any Monthly Activity Date, after the second Policy Anniversary, the cumulative premiums paid into the Policy, less Indebtedness and less withdrawals from the Policy, are less than the Cumulative No Lapse Guarantee Premium on the Monthly Activity Date 24 months prior to the current Monthly Activity Date, a No Lapse Guarantee Grace Period of 61 days will begin. A notice will be mailed at least 30 days prior to termination of the No Lapse Guarantee. It will be mailed both to you and to any assignee of record, at the last known address(es). That notice will warn you that you are in danger of losing the Lifetime No Lapse Guarantee and will tell you the amount of premium you need to pay to continue the Lifetime No Lapse Guarantee.

The Lifetime No Lapse Guarantee will be removed from the Policy if the required premium is not paid by the end of the Lifetime No Lapse Guarantee Grace Period. You will receive a written notification of the change and the Lifetime No Lapse Guarantee will never again be available or in effect on the Policy. Loss of the No Lapse Guarantee at the end of the No Lapse Guarantee Grace Period does not automatically cause the Policy to terminate; however the Policy will terminate if the continued existence of the No Lapse Guarantee was what was preventing the Policy from terminating.

The No Lapse Guarantee Grace Period is only applicable to the Lifetime No Lapse Guarantee Rider.

**Waiver of Specified Amount Disability Benefit Rider**

**For Policies issued on or before March 12, 2007** 

Under this rider, if the insured becomes Totally Disabled, we will credit the Policy with a fixed dollar benefit in an amount specified in your Policy, for as long as the insured remains Totally Disabled. This will help keep your Policy in force if you fall behind on your premium payments. If the Total Disability begins before the Policy Anniversary after the insured's 60th birthday and continues without interruption until the insured's 65th birthday, the benefit will continue to be paid thereafter. If the Total Disability begins after the Policy Anniversary after the insured's 60th birthday, the benefit will not continue beyond the later of the Policy Anniversary after the insured's 65th birthday and two years after the Total Disability began.

You choose the level of coverage when you select the rider. The charge for this rider will continue to be deducted during Total Disability until the rider terminates.

**For Policies issued after March 12, 2007**

Under this rider, while the insured is Totally Disabled, we will credit the Policy with a fixed dollar benefit in an amount specified in your Policy until the insured attains age 65, or at least two years, if longer. The maximum monthly benefit for this rider is the lesser of: (a) the 2nd year Planned Premium, divided by 12; and (b) $2,500 per month. The rider automatically

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

terminates after the insured reaches Attained Age 65. The rider is only available at Policy issuance and there is a charge for this rider.

**For All Policies**

Total Disability and Totally Disabled means:

a) the insured is disabled due to bodily injury, sickness or disease incurred after the rider effective date;

b) the disability begins while the Policy and this rider are in force;

c) the disability is continuous for at least 6 months ("Waiting Period") and the Policy and this rider are in force at the end of the Waiting Period; and

d) during the first 24 months of such disability (including the Waiting Period), the insured is prevented from engaging in or performing the substantial and material duties of his or her own Regular Occupation. Regular Occupation means the insured's usual gainful work which the insured was engaged in or performing, for wage or salary, immediately prior to the date the disability began; and

e) after 24 months of such disability (including the Waiting Period), the insured is prevented from engaging in or performing the substantial and material duties of any occupation for wage or salary, which the insured is reasonably fitted by education, training, or experience.

The Benefit will not be credited to the Policy if disability results, directly or indirectly, wholly or partly, from:

a) willfully and intentionally self-inflicted injury; or

b) service in the armed forces of any country or international authority at war, whether such war is declared or undeclared; or

c) sickness or disease which predated the Application for this rider.

**Deduction Amount Waiver Rider**

The costs of your Policy are deducted each month through the Monthly Deduction Amount. Under the Deduction Amount Waiver Rider, while the insured is Totally Disabled, we will waive the Monthly Deduction Amount. This will help keep your Policy in force.

Total Disability and Totally Disabled means a disability which:

a) results from bodily injury or disease;

b) begins while this Policy and this rider are in force;

c) has existed continuously for at least 6 months; and

d) prevents the insured from engaging in an occupation.

During the first 24 months of disability, occupation means the insured's regular occupation. Thereafter, occupation means that for which the insured is reasonably fitted by education, training or experience.

Rider benefits are not available if insured becomes disabled after age 65. If the Total Disability begins before the Policy Anniversary after the insured's 60th birthday and continues without interruption until the insured's 65th birthday, the benefit will continue to be paid thereafter. If the Total Disability begins after the Policy Anniversary after the insured's 60th birthday, the benefit will not continue beyond the later of the Policy Anniversary after the insured's 65th birthday and two years after the Total Disability began. The rider is only available at Policy issuance and there is a charge for this rider.

No Deduction Amount will be waived if disability results, directly or indirectly, wholly or partly, from:

a) willfully and intentionally self-inflicted injury;

b) service in the armed forces of any country or international authority at war, whether such war is declared or undeclared; or

c) sickness or disease which predated the Application for this rider.

**Accidental Death Benefit Rider**

Under this rider we will pay a fixed dollar benefit in an amount set forth in your Policy when the insured dies under accidental circumstances.

Accidental death means death which results, directly, and independently of all other causes, from accidental bodily injury and which occurs within 90 days after such injury.

This rider does not cover death resulting directly or indirectly, wholly or partly, from any of the following:

1. intentionally self-inflicted injury or suicide, while sane or insane;

2. bodily or mental infirmity, illness or disease or medical or surgical treatment therefore;

3. any infection not occurring as a direct consequence of an accidental bodily injury;

4. any act or incident of insurrection or war, declared or undeclared;

5. the insured's participation in a riot or commission of an assault or felony;

6. taking of drugs, sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless prescribed for or administered to the insured by a licensed physician;

7. an accident caused by the insured's intoxication while operating a motor vehicle;

8. any poison or gas voluntarily or involuntarily taken or inhaled, except as a direct result of an occupational accident;

9. travel or flight in or descent from any aircraft if the insured is a pilot or member of the crew of such aircraft or if such aircraft is a military aircraft or is being operated for aviation training.

You choose the level of coverage when you select the rider. The rider terminates following the insured's 70th birthday. This rider is only available at Policy issuance.

**Cost of Living Adjustment Rider**

You may want your life insurance coverage to keep pace with inflation. Under this rider, we will increase your Face Amount without evidence of insurability on every second anniversary of the rider. The Face Amount increases are based on increases in the Consumer Price Index ("CPI"), subject to certain limitations. We will calculate the increase as follows:

a) the CPI six months before the Increase Date; divided by

b) the CPI 30 months before the Increase Date;

c) minus one;

d) multiplied by the current Face Amount of the Policy.

The minimum and maximum amounts for any one increase are shown on the Policy Specifications Pages. We may change these amounts, for future increases, at any time. If you do not accept an increase, this rider is terminated and no future increases will occur. There is no charge for this rider, however, increases will

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

be subject to additional monthly per $1,000 charges, additional cost of insurance charges and additional surrender charges, all of which are based on the Attained Age of the insured at the time of the increase.

For example, if a Policy has a Face Amount of $100,000, and the ratio between the CPI 6 months prior to the increase and the CPI 30 months prior to the increase, less 1 was 3%, then the Face Amount increase would be $3,000.

To terminate this rider, notify us in writing. Otherwise, it will continue until the earliest of:

a) the first Policy Anniversary on or after the insured's 66th birthday;

b) the date the Policy is surrendered, lapsed or terminated;

c) the date the Face Amount of the Policy is decreased;

d) the date you reject an automatic increase amount;

e) the date we receive your written request to cancel this rider;

f) the date of the insured's death;

g) when you begin receiving benefits under either the Deduction Amount Waiver Rider or the Waiver of Specified Amount Disability Benefit Rider; and

h) it is terminated by any Policy provision or additional benefit rider provision.

The rider is only available at Policy issuance.

**Term Insurance Rider**

You may purchase a Term Insurance Rider on yourself as a base insured or on your family members. Under this rider, we will pay the term life insurance benefit when the covered insured dies, according to the terms of your Policy and the rider. The rider provides a fixed dollar benefit in an amount set forth in your Policy. You may elect this rider when you purchase your Policy or on any Policy Anniversary. We may require proof of insurability before we issue this rider. If your Policy offers a No Lapse Guarantee, the Face Amount of the Term Insurance Rider is not covered by the No Lapse Guarantee.

In deciding whether to use the Term Insurance Rider as part of the total coverage under the Policy on the base insured, you should consider the following factors regarding your Policy's costs and benefits. If you choose to combine flexible permanent insurance coverage with a Term Insurance Rider on the life of the base insured, the rider provides additional temporary coverage at a cost that may be lower than if you purchased this term life insurance through a separate term life policy and the Policy's Cash Surrender Value available to you may be higher because there are no surrender charges associated with the rider. Some Policy monthly charges do not apply to the Face Amount of the Term Insurance Rider, therefore, using Term Insurance Rider coverage on the base insured may reduce the total amount of premium needed to sustain the total Death Benefit over the life of the Policy. Under some funding scenarios where the minimum Death Benefit insurance is increased to meet the definition of life insurance, the use of the Term Insurance Rider may have the effect of increasing the total amount of premium needed to sustain the total Death Benefit over the life of the Policy.

The compensation paid to your representative may be lower when the Term Insurance Rider is included as part of your total coverage than when your total coverage does not include the Term Insurance Rider.

You may wish to ask your representative for additional customized sales illustrations to review the impact of using

Term Insurance Rider coverage in various combinations for your insurance protection needs.

**Child Insurance Rider**

This rider provides term life insurance coverage on all the eligible children of the insured under the Policy, until each child reaches age 25. We will pay the term life insurance Death Benefit amount you elect under this rider upon receipt of due proof of death of an insured child. This is a fixed dollar benefit in an amount set forth in your Policy. The rider is available for issue to insured children who are at least 16 days old but not yet 14 years old. This rider may not be available on all Policies. This rider may be added after Policy issuance and is not available if the base insured is rated substandard.

The rider terminates at the earliest of:

a) the 25th birthday of last insured child included in rider coverage;

b) the Policy Anniversary date following age 65 of the Primary Insured; and

c) the termination date of the base Policy.

If the Primary Insured dies while the rider is in force, rider benefits become paid up.

**Accelerated Death Benefit Rider for Terminal Illness**

In the event the Specified Insured has a Diminished Life Expectancy of 12 months (24 months in some states) or less, you may request in writing, that we pay a single sum accelerated Death Benefit to you, subject to certain limitations and proof of eligibility. This accelerated payment of the Death Benefit can be any amount between $2,500 and $500,000, not to exceed the Benefit Percentage times the Eligible Amount. The sum of the Benefit you may request under this and any other policies issued by us on the life of an insured may not exceed $500,000. Each request for payment must be accompanied by Proof of Diminished Life Expectancy. The maximum charge for this rider is $300 (one time charge when rider exercised). This rider is available to all issue ages, and may be added at any time.

Specified Insured will mean the person insured by the Policy to which this rider is attached, or any additional person(s) insured by riders attached to the Policy, whose death benefit is being accelerated.

Your option to accelerate benefits under this rider will be suspended while the Death Benefit is being so accelerated in accordance with any other accelerated Death Benefit rider that may be attached to the Policy. Any Policy benefit that is not payable in a single sum or that is payable due to accidental bodily injury or death is not subject to this rider or to the calculation of the Benefit. Your option to accelerate benefits under this rider will continue during any nonforfeiture, reduced paid-up or extended term period.

We will waive the cost of insurance and expense charges applicable to the Specified Insured's accelerated benefit. This accelerated payment of the Death Benefit is subject to the rights of any assignee of record or of any irrevocable beneficiary. They must consent, in writing, before we will pay the Benefit.

The requested portion of the Eligible Amount will be subject to the following adjustments:

1. A 12-month discount, based on the discount rate, will apply to the requested portion of the Eligible Amount. This

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

discount reflects the early payment of the proceeds under your Policy.

2. If, on the date we approve your request, there is a Policy loan outstanding and the acceleration relates to insurance on the life of the insured under the base Policy, a reduction to the requested portion of the Eligible Amount will apply. This reduction serves to repay the Policy loan.

3. A deduction will be made for the administrative charge if we approve your request.

The Benefit payable to you will be equal to the requested portion of the Eligible Amount as may be reduced by the maximums and limitations of this rider minus 1, 2 and 3 above. Rather than having your Benefit reduced by 3 above, you may elect to pay this amount directly to us.

We reserve the right to obtain an independent medical examination and we retain the right to make final determination regarding eligibility for benefits.

**Policy Lien**

Accelerated Death Benefit payments made under this rider are an advance of the Specified Insured's Death Benefit. We will establish a lien against that Specified Insured's Death Benefits if we pay benefits under this rider. Upon payment of any accelerated Death Benefit, access to the portion of the Policy's Cash Value attributable to the Specified Insured is restricted to the excess of that Cash Value over the sum of any outstanding Indebtedness, applicable surrender charge and this lien. The amount of the lien will be equal to all benefits paid under this rider. The lien will be removed once we pay the Death Benefit or on the Policy Adjustment Date. If you lapse or surrender the Policy before the Policy Adjustment Date, your Cash Value will be reduced by the amount of the lien which applies to the Cash Value. The Policy Adjustment Date is the earliest of: (a) twelve months from the date we made an accelerated Death Benefit payment; (b) the date we pay all Death Benefits payable on the Specified Insured; and (c) the Maturity Date.

We will charge interest on the lien. Interest will accrue from the date of the accelerated payment to the earlier of the date the Policy terminates and the Policy Adjustment Date. We will add accrued interest to the lien at the time of Policy adjustment. The rate of interest charged will be equal to the discount rate.

**Policy Adjustment**

If the Specified Insured is the base Policy insured and the lien equals 100% of the Death Benefit, the Policy will terminate, and any riders attached to the Policy that provide insurance on the life of any other person will be administered according to the rider provisions regarding the death of the base Policy insured. If the Specified Insured is an additional person insured by a rider on the base Policy and the lien equals 100% of the Face

Amount of the rider, the rider coverage applicable to the Specified Insured will terminate.

**Exclusions**

This rider does not provide accelerated Death Benefits if the Specified Insured or his/her Physician reside outside the United States of America.

**Rider Termination**

This rider will terminate at the earliest of the following:

a) when we receive your request in writing to cancel it;

b) when the Policy terminates; and

c) on the Policy Adjustment Date.

The example below is for a Policy with a $100,000 Face Amount and a level Death Benefit. The example assumes: (1) a discount rate of 5%, and (2) an administrative fee of $50 has been deducted.

---

| | |
|:---|:---|
| | **Policy Values at Acceleration** |
| **Death Benefit** | $100000 |
| **Account Value** | $10000 |
| **Surrender Charge** | $1000 |
| **Cash Value** | $9000 |
| **Accelerated Benefit** | $40000 |
| **12 Month Discount** | $1904.76 |
| **Lien amount** | $38095.24 |
| **Administrative Fee** | $50 |
| **Benefit Payment** | $38045.24 |

---

If death occurs 6 months after acceleration:

Death Benefit = $100,000 - $38,095.24 × (1.05)<sup>6/12</sup> = $60,964

If the insured is still alive at the end of the 12<sup>th</sup> month, the Policy is adjusted as follows, assuming the Account Value grew to $11,000:

Death Benefit = $100,000 - $38,095.24 × (1.05) = $60,000

Account Value = $11,000 × ($60,000/$100,000) = $6,600

Surrender Charge = $1,000 × ($60,000/$100,000) = $600

Cash Value = $6,000

**LifeAccess Accelerated Benefit Rider**

In the event the insured becomes Chronically Ill and is likely to need services for the remainder of the insured's life, we will pay an accelerated Death Benefit to the owner up to 100% of the Death Benefit and any term amount. At your request, the accelerated benefit will be paid in monthly payments or on an annual lump sum basis subject to certain limitations and satisfaction of eligibility requirements, including the Written Certification from a Licensed Health Care Practitioner. The certification must also state that the insured is in need of services under a plan of care and that such services are likely to be needed for the rest of the insured's life. There may be adverse tax consequences if you receive the rider's accelerated Death Benefit. See the Special Considerations for Policies with the LifeAccess Rider section of **<u>[Tax Treatment of Policy Benefits](#ib3d5e05577b4484d87f19cafe5856f40_220)</u>** for more information.

Insured will mean the person insured by the Policy to which this rider is attached whose Death Benefit is being accelerated. This rider is only available at Policy issuance and there is a charge for this rider.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

Chronically Ill means an insured has been certified by a Licensed Health Care Practitioner as the following:

a) being unable to perform (without Substantial Assistance from another individual) at least two Activities for Daily Living ("ADLs") for a period of at least 90 days due to a loss of functional capacity; or

b) requiring substantial supervision from another individual to protect such individual from threats to health and safety due to a severe Cognitive Impairment; AND

c) needing services pursuant to a Licensed Health Care Practitioner's Plan of Care as set forth in Written Certification or Re-certification.

Activities for Daily Living refer to basic human functional abilities which measure the insured's ability for self care and to live independently without Substantial Assistance from another individual. These include bathing, continence, dressing, eating, toileting and transferring.

We may require the insured to be re-examined at our expense, by a Licensed Health Care Practitioner of our choosing prior to or during a Benefit Period to ensure that the insured is Chronically Ill.

We will not provide an accelerated benefit when the insureds' Chronic Illness is a result of any one of the events listed below:

• attempted suicide or intentional self-inflicted injury while sane or insane,

• any act or incident of insurrection or war, declared or undeclared,

• the insured's participation in, or attempting to participate in, a felony, riot or insurrection,

• alcoholism or drug addiction, or

• if the insured's Licensed Health Care Practitioner resides outside of the United States.

**Annual Lump Sum Option**

You may elect to receive your Monthly Benefit Amount as an annual lump sum prior to the start of each Benefit Period. The amount of the annual lump sum payment will equal the present value of the Monthly Benefit Amount payable for each month in the twelve-month period following: (a) the date the first monthly benefit payment would otherwise be payable; or (b) the date of each subsequent Benefit Period. Each Monthly Benefit Amount payable will be discounted by a monthly rate, such rate derived from an annual interest rate, never to exceed the greater of: (a) the current yield on ninety-day treasury bills; and (b) the current maximum statutory adjustable Policy loan interest rate. Such discount will apply prior to any pro-rata adjustment to the Monthly Benefit Amount payable for loan repayments. Only one annual lump sum payment will be made in any one twelve-month period.

**Conditions for Eligibility of Benefit Payments**

You are eligible to receive an accelerated benefit if the Policy and rider are in force when all of the following requirements are met:

1. We receive your request, in writing, for an accelerated benefit;

2. We receive from you Written Certification or Written Re-Certification by a Licensed Health Care Practitioner that the insured is a Chronically Ill individual;

3. We complete, at our discretion and expense, a personal interview with, and an assessment of, the insured, including examination or tests by a Licensed Health Care

Practitioner of our choice; and we receive copies of any relevant medical records from a health care provider involved in the insured's care;

4. We receive consent, in writing, of any assignee of record named under the Policy or any irrevocable beneficiary named under the Policy;

5. You fulfill requirements, if any, regarding limitations on the availability of certain Sub-Accounts while receiving benefit payments; and

6. The insured is living at the time all of the above requirements are met.

**When Benefit Payments End**

We will continue to pay accelerated benefits under this rider until the first of the following occur:

a) while the insured is living, when the insured no longer meets any one of the conditions for eligibility for benefit payments,

b) we are notified to discontinue accelerated benefit payments, and

c) if any events listed under the Rider Termination provision occur.

**Rider Termination**

This rider will terminate on the first of the following dates:

a) the date we receive your request, in writing, to terminate it,

b) the date you make a withdrawal under the Policy during a Benefit Period,

c) the date the Policy terminates,

d) the date we receive notification, in writing, of the death of the insured,

e) the date the Lifetime Benefit Amount is exhausted, and

f) the date on which all additional benefits provided by rider are deemed to have terminated according to the terms of any termination and Maturity Date provision, Continuation Beyond the insured's Age 100 provision, or any other like provision of the Policy to which this rider is attached, unless you are receiving benefit payments under this rider.

In addition, as a condition of eligibility for benefits under the rider, we may impose restrictions or limitations on the availability of certain investment options. We will provide you prior written notice of any such restrictions or limitations and you may terminate this rider at any-time.

**Impact of Rider Benefits on Policy and Rider**

Accelerating the Death Benefit under this rider will impact the benefits and values under the Policy and rider as described below.

After each benefit payment, the Lifetime Benefit Amount in effect immediately prior to such payment will be reduced by each Monthly Benefit Amount payable prior to any pro-rata reduction for loan repayments. In addition, each benefit payment will reduce the values and any No Lapse Guarantee Premium in effect at the time of such payment when such values are multiplied by the following Reduction Ratio:

Reduction Ratio = 1 - (A / B)

Where:

A = is the monthly benefit payment, and

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

B = is the Eligible Amount immediately prior to a benefit payment.

The Policy's current values that are reduced by each benefit payment based on the Reduction Ratio are:

• Face Amount

• Amount of any Term Insurance Rider on the insured

• Account Value

• Surrender charges

• Indebtedness

• Monthly No Lapse Guarantee Premium

• Cumulative No Lapse Guarantee Premium

• Cumulative Premiums (paid to date)

We will reduce amounts in the Fixed Account and each Sub-Account based on the proportion of the Account Value in the Fixed Account and each Sub-Account to the amount accelerated.

---

| | | |
|:---|:---|:---|
| ***Example:*** | ***Example:*** | ***Example:*** |
| **Shown below is a hypothetical example of the benefits under the LifeAccess Accelerated Benefit Rider and how the benefits will impact the Policy. The figures used are for illustrative purposes only and are not guaranteed.** | **Shown below is a hypothetical example of the benefits under the LifeAccess Accelerated Benefit Rider and how the benefits will impact the Policy. The figures used are for illustrative purposes only and are not guaranteed.** | **Shown below is a hypothetical example of the benefits under the LifeAccess Accelerated Benefit Rider and how the benefits will impact the Policy. The figures used are for illustrative purposes only and are not guaranteed.** |
| **First Benefit Period starts in Policy Year 9 on a 30-day month** | **First Benefit Period starts in Policy Year 9 on a 30-day month** | |
| **Face Amount: $100,000** | **Face Amount: $100,000** | **Death Benefit Option: Type A (level)** |
| Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim multiplied by the LifeAccess Specified Percentage (100% in this example): $100,000. | Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim multiplied by the LifeAccess Specified Percentage (100% in this example): $100,000. | Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim multiplied by the LifeAccess Specified Percentage (100% in this example): $100,000. |
| Maximum Monthly Benefit, calculated at the beginning of each Benefit Period using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**: | Maximum Monthly Benefit, calculated at the beginning of each Benefit Period using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**: | Maximum Monthly Benefit, calculated at the beginning of each Benefit Period using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**: |
| &nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $100,000 x 0.02 = **$2,000**; or | &nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $100,000 x 0.02 = **$2,000**; or | &nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $100,000 x 0.02 = **$2,000**; or |
| &nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Period (assume $400 at issue, increasing to $468.66 in year 9 assuming a 2% annual inflation rate) times number of days in the month: $468.66 x 30 = **$14,341.20**; or | &nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Period (assume $400 at issue, increasing to $468.66 in year 9 assuming a 2% annual inflation rate) times number of days in the month: $468.66 x 30 = **$14,341.20**; or | &nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Period (assume $400 at issue, increasing to $468.66 in year 9 assuming a 2% annual inflation rate) times number of days in the month: $468.66 x 30 = **$14,341.20**; or |
| &nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit compound rate times 30. Assuming the limit at issue of $400, increased annually on each succeeding Policy Anniversary by the compound rate (4% in this example) , resulting in a current Daily Benefit Limit in Policy Year 9 of $547.43: $547.43 x 30 **= $16,422.90** | &nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit compound rate times 30. Assuming the limit at issue of $400, increased annually on each succeeding Policy Anniversary by the compound rate (4% in this example) , resulting in a current Daily Benefit Limit in Policy Year 9 of $547.43: $547.43 x 30 **= $16,422.90** | &nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit compound rate times 30. Assuming the limit at issue of $400, increased annually on each succeeding Policy Anniversary by the compound rate (4% in this example) , resulting in a current Daily Benefit Limit in Policy Year 9 of $547.43: $547.43 x 30 **= $16,422.90** |
| The Monthly Benefit Percent, Initial Daily Benefit Limit, and the rate at which it will be compounded that apply to your Policy are shown in the Additional Benefits and Rider Section of the Policy Specifications Pages. | The Monthly Benefit Percent, Initial Daily Benefit Limit, and the rate at which it will be compounded that apply to your Policy are shown in the Additional Benefits and Rider Section of the Policy Specifications Pages. | The Monthly Benefit Percent, Initial Daily Benefit Limit, and the rate at which it will be compounded that apply to your Policy are shown in the Additional Benefits and Rider Section of the Policy Specifications Pages. |
| The reduction ratio equals 1 minus the quotient of the monthly payment divided by the Death Benefit prior to payment:<br>1 - (2,000/100,000) = 1 - 0.0200 = 0.9800 | The reduction ratio equals 1 minus the quotient of the monthly payment divided by the Death Benefit prior to payment:<br>1 - (2,000/100,000) = 1 - 0.0200 = 0.9800 | The reduction ratio equals 1 minus the quotient of the monthly payment divided by the Death Benefit prior to payment:<br>1 - (2,000/100,000) = 1 - 0.0200 = 0.9800 |
| The Monthly Benefit Amount payable is equal to the Maximum Monthly Benefit payment minus the loan reduction amount.<br>($2,000 - $20.80 = **$1,979.20**) | The Monthly Benefit Amount payable is equal to the Maximum Monthly Benefit payment minus the loan reduction amount.<br>($2,000 - $20.80 = **$1,979.20**) | The Monthly Benefit Amount payable is equal to the Maximum Monthly Benefit payment minus the loan reduction amount.<br>($2,000 - $20.80 = **$1,979.20**) |
|  | **Policy Values** | **Policy Values** |
|  | (before monthly benefit payment) | (after monthly benefit payment) |
| *Benefit Payment payable:* | - - - | $1979.20 |
| Face Amount: | $100000 | $98,000 (100,000 x 0.9800) |
| Indebtedness: | $1040 | $1,019.20 (1,040 x 0.9800) |
| Death Benefit: | $98960 | $96980.80 |
| Account Value: | $20000 | $19,600 (20,000 x 0.9800) |
| Surrender Charge: | $228 | $223.44 (228 x 0.9800) |
| Cash Value: | $19772 | $19376.56 |
| Cash Surrender Value: | $18732 | $18357.36 |
| Monthly No Lapse Guarantee Premium: | $1152.00 | $1,128.96 (1,152 x 0.9800) |
| Cumulative No Lapse Guarantee Premium: | $10368 | $10,160.64 (10,398 x 0.9800) |
| Cumulative Premiums: | $18000 | $17,640.00 (18,000 x 0.9800) |

---

If the annual lump sum option was chosen at the start of a Benefit Period the amount of the annual lump sum payment will equal the present value of the Monthly Benefit Amount payable for each month in the twelve-month period following: (a) the date the first monthly benefit payment would otherwise be payable; or (b) the date of each subsequent Benefit Period. Each Monthly Benefit Amount payable will be discounted by a monthly rate.

Assuming the discount rate of 4%, the annual lump sum for the example above would be $23,573.93. The reduction ratio would be 1 - (23,573.93/100,000) = 1 - 0.23574 = 0.76426. The annual lump sum benefit payment would be reduced by the

loan reduction amount of $1,040 x 0.243574 = $245.17, to get $23,573.93 - $245.17 = $23,328.76.

**Policy Continuation Rider**

This rider gives you the option to continue your Policy at a reduced Death Benefit with no further Monthly Deduction Amounts in the event your Policy is in danger of default or termination due to excessive Indebtedness. You may elect the benefit under limited circumstances as described in the rider. Subject to the terms and limitations described in the rider, the rider guarantees the Policy will not go into default or terminate due to excessive Indebtedness. At the time you elect the benefit

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

under the rider, a transaction charge will be deducted from your Account Value. The maximum transaction charge is 7% of the Account Value.

If available, you may elect the Policy Continuation Benefit In writing. The election effective date will be the next Monthly Activity Date. The Policy Continuation Benefit is available provided all of the conditions below are met:

• Indebtedness exceeds the Face Amount, or amounts at least equal to all premiums paid have been withdrawn,

• The Policy has been in-force at least 15 Policy Years,

• The insured has Attained Age 75, and

• Indebtedness does not exceed 99.5% of the Account Value after reduction of the transaction charge as of the election effective date.

There is a risk that the IRS could assert that the Policy has been effectively terminated when you exercise the Policy Continuation Rider and that the outstanding loan balance should be treated as a distribution. Depending on the circumstances, all or part of such deemed distribution may be taxable as income. In addition, there is uncertainty about whether Indebtedness should be treated as the deemed Cash Surrender Value for purposes of Section 7702 of the Internal Revenue Code. Currently, we do not treat Indebtedness as the Cash Surrender Value for purposes of Section 7702. You should

consult a tax advisor before exercising the Policy Continuation Rider.

The following hypothetical example illustrates the impacts to the Policy when exercising this rider. The example assumes a Policy that includes this rider and meets the eligibility requirements.

---

| | | |
|:---|:---|:---|
| **Example of exercising the Policy Continuation Rider** | **Example of exercising the Policy Continuation Rider** | **Example of exercising the Policy Continuation Rider** |
| **Policy Values (current)** | **Before** | **After** |
| Death Benefit Type: | Option B | Option A |
| Face Amount: | $100000 | $210000 |
| Account Value: | $110000 | $102300<sup>(1)</sup> |
| Surrender Charge: | $0 | $0 |
| Cash Value: | $110000 | $102300<sup>(1)</sup>  |
| Indebtedness: | $99000 | $99000 |
| Cash Surrender Value: | $11000 | $3300<sup>(1)</sup>  |
| Death Benefit: | $210000 | $210000 |
| Net Death Benefit: | $111000 | $111000 |
| Other Riders: | Yes | No |

---

(1)A fee equaling 7% of the Account Value has been deducted for exercising the rider. In this example the charge was $7,700.

**REQUIREMENTS FOR ISSUANCE OF A POLICY**

**Application for a Policy**

To purchase a Policy you must submit an Application to us. Within limits, you may choose the initial Face Amount. Policies generally will be issued only on the lives of insureds age 85 and under who supply evidence of insurability satisfactory to us. Acceptance is subject to our underwriting rules and we reserve the right to reject an Application for any reason. No change in the terms or conditions of a Policy will be made without your consent. The minimum initial premium is the amount required to keep the Policy in force for one month, but not less than $50.

**Policy Date**

Your Policy will be effective on the Policy Date only after we receive all outstanding delivery requirements and the initial premium payment. The Policy Date is the date used to determine all future cyclical transactions on the Policy, such as Monthly Activity Date and Policy Years.

**PREMIUMS**

You have flexibility as to when and in what amounts you pay premiums. Prior to Policy issue, you choose a Planned Premium, within a range we determined, based on the Face Amount and the insured's sex (except where unisex rates apply), issue age and insurance class. We will send you premium notices for Planned Premiums. Such notices may be sent on an annual, semi-annual or quarterly basis. You may also have premium payments automatically deducted monthly from your checking account. When we receive scheduled or regular premium payments from you through pre-authorized transactions such as, checking deduction (ACH), payroll deduction or through a government allocation arrangement, a summary of these transactions will appear on your annual statement and you will not receive a confirmation statement after each transaction. The Planned Premium and payment mode you select are shown on your Policy Specifications Pages. You may change the Planned Premium at any time, subject to our minimum amount rules then in effect.

After the first premium has been paid, your subsequent premium payments are flexible. The actual amount and frequency of payment will affect the Account Value and could affect the amount and duration of insurance provided by the Policy. Your Policy may lapse if the value of your Policy becomes insufficient to cover the Monthly Deduction Amounts. In such case you may be required to pay additional premiums in order

to prevent the Policy from terminating. See **<u>[LAPSE AND REINSTATEMENT](#ib3d5e05577b4484d87f19cafe5856f40_214)</u>.**

You may pay additional premiums at any time prior to the scheduled Maturity Date, subject to the following limitations:

• The minimum premium that we will accept is $50 or the amount required to keep the Policy in force.

• We reserve the right to require evidence of insurability for any premium payment that results in an increase in the Death Benefit greater than the amount of the premium.

• We reserve the right to refund any excess premiums that would cause the Policy to fail to meet the definition of life insurance under the Internal Revenue Code.\*

• We will return any excess premium to you if it will cause the Policy to become a Modified Endowment Contract and request further instructions.\*

• Any premium payment in excess of $1,000,000 is subject to our approval.

\*If the excess premium can be applied within 30 days of receipt and not cause a Modified Endowment Contract or failure to meet the definition of life insurance, we will hold the excess without interest and apply it on such date.

In some cases, applying a subsequent premium payment in a Policy Year could result in your Policy becoming a Modified

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

Endowment Contract. See **<u>[TAXES](#ib3d5e05577b4484d87f19cafe5856f40_217)</u>** section for additional information on Modified Endowment Contracts. If we receive a subsequent premium payment that would cause the Policy to become a Modified Endowment Contract, we will follow these procedures:

• If the premium is received more than 20 calendar days prior to the Policy Anniversary date or if it is greater than your Planned Premium, we will apply the premium to the Policy. We will notify you in writing that your Policy has become a Modified Endowment Contract and provide you with the opportunity to correct the Modified Endowment Contract status as specified in the notice. You have 2 weeks from the date of the notice to respond.

• If we receive the premium within 20 calendar days prior to the Policy Anniversary date and it is less than or equal to the Planned Premium, the premium payment will be considered not in Good Order. We will hold the payment without interest and credit it to the Policy on the Policy Anniversary date. If the Policy Anniversary date is not a Valuation Date, the payment will then be credited on the next Valuation Date following the Policy Anniversary. The owner will be notified of our action after the premium payment has been credited.

These procedures may not apply if there has been a material change to your Policy that impacts the 7-pay limit or 7-pay period because the start of the 7-pay year may no longer coincide with your Policy Anniversary.

In some cases, applying a subsequent premium payment in a Policy Year could cause your Policy to fail the definition of life insurance. If we receive a subsequent premium payment that would cause the Policy to fail the definition of life insurance, the premium payment will be considered not in Good Order and we will follow these procedures:

• If the premium is received more than 20 calendar days prior to the Policy Anniversary date or if it is greater than your Planned Premium, we will return the excess premium payment to you and await further instructions.

• If we receive the premium within 20 calendar days prior to the Policy Anniversary date and it is less than or equal to the Planned Premium, we will hold the payment without interest and credit the premium payment on the Policy Anniversary date. If the Policy Anniversary date is not a Valuation Date, the payment will then be credited on the next Valuation Date following the Policy. The owner will be notified of our action after the premium payment has been credited.

**How to send premium payments**

**Mail**

You may send premium payments to either of the following addresses:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**To the following lockbox address:**<br>Talcott Resolution<br>P.O. Box 9001970<br>Louisville, KY, 40290-1970 | &nbsp;&nbsp;&nbsp;**To our Individual Life Operations Center at:**<br>Talcott Resolution<br>P.O. Box 305034<br>Nashville, TN, 37230-5034 |

---

**Wire**

You may also arrange to pay your premium payments by wire. To wire payments call 800-231-5453.

Mailed premium payments not sent to either of the addresses stated above will be considered not in Good Order. We will reroute the payment and apply it on the Valuation Date when it is received at the correct location and is determined to be in Good Order.

**Allocation Of Premiums** 

During the Application process, you choose how you want to allocate your initial Net Premium among the Sub-Accounts and the Fixed Account on the premium allocation form. Any premium we receive prior to the issuance of the Policy will be held in a non-interest bearing suspense account. With respect to any initial premium payment received before the Policy Date and any premium payment that is not in Good Order, we may temporarily hold the premium in a suspense account and we may earn interest on such amount. You will not be credited interest during that period. The monies held in the suspense account may be subject to claims of our general creditors. The premium payment will not be reduced nor increased due to market fluctuations during that period.

After the Policy is issued and upon commencement of the Free-Look Period, any initial Net Premium and any additional Net Premium received by us prior to the end of the Free Look period will be applied to the money market Sub-Account as of the later of: (a) the Policy Date, and (b) the date we receive the premium. Upon expiration of the Free-Look Period, we will automatically allocate the value in the money market Sub-Account to the Fixed Account (if applicable) and the Sub-Accounts in accordance with your premium allocation instructions.

You may send subsequent premiums and allocation instructions in accordance with our then current administrative offices. If you make a subsequent premium payment and do not provide us with allocation instructions, we will allocate the Net Premium among the Sub-Accounts and Fixed Account (if applicable) in accordance with your most recent premium allocation instructions. Any allocation instructions will be effective upon receipt by us in Good Order and will apply only to premium payments received on or after that date. Subsequent premium payments will be applied to the Policy based on the next computed accumulation unit values after we receive a Good Order request at our Designated Address described below. Net Premiums allocated to the Fixed Account will be credited to your Policy when we receive them.

You may not exceed 20 investment choices at any given time and the percentage you allocate to each Sub-Account and/or the Fixed Account must be in whole percentages.

If your most recent premium allocation instructions include a Fund ("merging Fund") that has been merged into another Fund ("surviving Fund") and we do not receive alternative instructions, we will allocate the premium among the Sub-Accounts and the Fixed Account based on your most recent allocation instructions, except that we will apply the premium that would have been allocated to the merging Fund to the surviving Fund. If your most recent premium allocation instructions include a Fund that has been liquidated, generally, unless we receive alternative instructions, we will automatically amend your allocation instructions to replace the liquidated Fund with the money market Fund.

**Accumulation Units**

Net Premiums allocated to the Sub-Accounts are used to credit accumulation units to such Sub-Accounts.

The number of accumulation units in each Sub-Account to be credited to a Policy (including the initial allocation to the money market Sub-Account) and the amount to be credited to the Fixed Account will be determined, first, by multiplying the Net Premium by the appropriate allocation percentage in order to determine the portion of Net Premiums or transferred Account Value to be invested in the Fixed Account or the Sub-Account.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

Each portion of the Net Premium or transferred Account Value to be invested in a Sub-Account is then divided by the accumulation unit value in a particular Sub-Account next computed following its receipt. The resulting figure is the number of accumulation units to be credited to each Sub-Account.

The accumulation unit value for each Sub-Account will vary to reflect the investment experience of the applicable Fund and will be determined on each Valuation Day by multiplying the accumulation unit value of the particular Sub-Account on the preceding Valuation Day by the net investment factor for that Sub-Account for the Valuation Period then ended. The net investment factor for each of the Sub-Accounts is equal to the net asset value per share of the corresponding Fund at the end of the Valuation Period (plus the per share amount of any dividend or capital gain distributions by that Fund in the Valuation Period then ended) divided by the net asset value per share of the corresponding Fund at the beginning of the Valuation Period.

All valuations in connection with a Policy (i.e., with respect to determining Account Value, in connection with Policy loans, or in calculation of Death Benefits, or with respect to determining the number of accumulation units to be credited to a Policy with each premium payment other than the initial premium payment) will be made at the end of the Valuation Period after the request or payment is received by us in Good Order at the Individual Life Operations Center. If we receive your request or payment in Good Order before the close of the New York Stock Exchange ("NYSE"), it will be applied as of the same Valuation Day. If we receive your request or payment in Good Order after the close of the NYSE, it will be invested on the next Valuation Day. If we receive your request or payment in Good Order on a non-Valuation Day, it will be invested on the next Valuation Day. Requests for Sub-Account transfers received on any Valuation Day in Good Order after the close of the NYSE or a non-Valuation Day will be invested on the next Valuation Day.

**Transfers And Restrictions On Transfers**

You may transfer amounts among the Fixed Account and the Sub-Accounts subject to a charge described below. You may request transfers in writing or by calling us at 800-231-5453. Transfers by telephone may also be made by your authorized agent of record or other authorized representative. Telephone transfers may not be permitted in some states. We will not be responsible for losses that result from acting upon telephone requests reasonably believed to be genuine. We will employ reasonable procedures to confirm that instructions communicated by telephone are genuine. The procedures we follow for transactions initiated by telephone include requiring callers to provide certain identifying information. All transfer instructions communicated to us by telephone are tape recorded.

You may make transfers between Sub-Accounts according to the following policies and procedures, as they may be amended from time to time.

**What is a Sub-Account Transfer?**

A Sub-Account transfer is a transaction requested by you that involves reallocating part or all of your Account Value among the Funds available in your Policy. Your transfer request will be processed as of the end of the Valuation Day that it is received in Good Order at our Designated Address. Otherwise, your request will be processed on the following Valuation Day. We will send you a confirmation when we process your transfer. You are responsible for verifying transfer confirmations and

promptly advising us of any errors within 30 days of receiving the confirmation.

**What Happens When you Request a Sub-Account Transfer?**

Many Policy Owners request Sub-Account transfers. Some request transfers into (purchases) a particular Sub-Account, and others request transfers out of (redemptions) a particular Sub-Account. In addition, some Policy Owners allocate premium payments to Sub-Accounts, and others request surrenders. We combine all the daily requests to transfer out of a Sub-Account along with all surrenders from that Sub-Account and determine how many shares of that Fund we would need to sell to satisfy all Policy Owners' "transfer-out" requests. At the same time, we also combine all the daily requests to transfer into a particular Sub-Account or premium payments allocated to that Sub-Account and determine how many shares of that Fund we would need to buy to satisfy all Policy Owners' "transfer-in" requests.

In addition, many of the Funds that are available as investment options in our variable life policies are also available as investment options in variable annuity contracts, retirement plans, funding agreements and other products offered by us or our affiliates. Each day, investors and Policy Owners in these other products engage in similar transfer transactions.

We take advantage of our size and available technology to combine sales of a particular Fund for many of the variable annuities, variable life insurance policies, retirement plans, funding agreements or other products offered by us or our affiliates. We also combine many of the purchases of that particular Fund for many of the products we offer. We then "net" these trades by offsetting purchases against redemptions. Netting trades has no impact on the price you pay for or receive upon the purchase or sale of an investment option. This means that we sometimes reallocate shares of a Fund rather than buy new shares or sell shares of the Fund.

For example, if we combine all transfer-out (redemption) requests and surrenders of a stock Sub-Account with all other sales of that Fund from all our other products, we may have to sell $1 million dollars of that Fund on any particular day. However, if other Policy Owners and the owners of other products offered by us, want to transfer-in (purchase) an amount equal to $300,000 of that same Fund, then we would send a sell order to the Fund for $700,000 (a $1 million sell order minus the purchase order of $300,000) rather than making two or more transactions.

**Are There Any Charges for Transfers Among Sub-Accounts?**

Under the Policy, we have the right to assess an administrative transfer fee of up to $25 per transfer after the first transfer you make in any month. We are currently not assessing an administrative transfer Fee.

**What Restrictions Are There on your Ability to Make a Sub-Account Transfer?**

***First, you may make only one Sub-Account transfer request each day.*** We limit each Policy Owner to one Sub-Account transfer request each Valuation Day. We count all Sub-Account transfer activity that occurs on any one Valuation Day as one "Sub-Account transfer", however, you cannot transfer the same Account Value more than once a Valuation Day.

For Example:

• If the only transfer you make on a day is a transfer of $10,000 from one Sub-Account into another Sub-Account, it would count as one Sub-Account transfer.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

• If, however, on a single day you transfer $10,000 out of one Sub-Account into five other Sub-Accounts (dividing the $10,000 among the five other Sub-Accounts however you chose), that day's transfer activity would count as one Sub-Account transfer.

• Likewise, if on a single day you transferred $10,000 out of one Sub-Account into ten other Sub-Accounts (dividing the $10,000 among the ten other Sub-Account however you chose), that day's transfer activity would count as one Sub-Account transfer.

• Conversely, if you have $10,000 in Account Value distribution among 10 different Sub-Accounts and you request to transfer the Account Value in all those Sub-Accounts into one Sub-Account, that would also count as one Sub-Account transfer.

• However, you cannot transfer the same Account Value more than once in one day. That means if you have $10,000 in a money market Sub-Account and you transfer all $10,000 into a stock Sub-Account, on that same day you could not then transfer the $10,000 out of the stock Sub-Account into another Sub-Account.

***Second, you are allowed to submit a total of 20 Sub-Account transfers each Policy Year* (the "Transfer Rule") by U.S. Mail, Voice Response Unit, Internet, telephone, same day mail or courier service.** Once you have reached the maximum number of Sub-Account transfers, you may only submit any additional Sub-Account transfer requests (and any trade cancellation requests) in writing through U.S. Mail or overnight delivery service. For example, Voice Response Unit, Internet, same day mail service or telephone transfer requests will not be honored. We may, but are not obligated to, notify you when you are in jeopardy of approaching these limits. For example, we may send you a letter after your 10th Sub-Account transfer to remind you about the Transfer Rule. After your 20th transfer request, our computer system will not allow you to do another Sub-Account transfer by telephone, Voice Response Unit or via the Internet. You will then be instructed to send your Sub-Account transfer request by U.S. Mail or overnight delivery service.

We reserve the right to aggregate your Policies (whether currently existing or those recently surrendered) for the purposes of enforcing these restrictions.

The Transfer Rule does not apply to Sub-Account transfers that occur automatically as part of a Company sponsored asset allocation or Dollar Cost Averaging program. Reallocations made based on a Fund merger, substitution or liquidation also do not count toward this transfer limit. Restrictions may vary based on state law.

We make no assurances that the Transfer Rule is or will be effective in detecting or preventing market timing.

***Third, policies have been designed to restrict excessive Sub-Account transfers.*** You should not purchase this Policy if you want to make frequent Sub-Account transfers for any reason. In particular, don't purchase this Policy if you plan to engage in "market timing," which includes frequent transfer activity into and out of the same Fund, or frequent Sub-Account transfers in order to exploit any inefficiencies in the pricing of a Fund. Even if you do not engage in market timing, certain restrictions may be imposed on you, as discussed below:

**Fund Trading Policies**

Generally, you are subject to Fund trading policies, if any. We are obligated to provide, at the Fund's request, tax identification numbers and other shareholder identifying information contained in our records to assist Funds in

identifying any pattern or frequency of Sub-Account transfers that may violate their trading policy. In certain instances, we have agreed to assist a Fund to help monitor compliance with that Fund's trading policy.

We are obligated to follow each Fund's instructions regarding enforcement of their trading policy. Penalties for violating these policies may include, among other things, temporarily or permanently limiting or banning you from making Sub-Account transfers into a Fund or other Funds within that Fund complex. We are not authorized to grant exceptions to a Fund's trading policy. Please refer to each Fund's prospectus for more information. Transactions that cannot be processed because of Fund trading policies will be considered not in Good Order.

In certain circumstances, Fund trading policies do not apply or may be limited. For instance:

• Certain types of financial intermediaries may not be required to provide us with shareholder information.

• "Excepted Funds" such as money market Funds and any Fund that affirmatively permits short-term trading of its securities may opt not to adopt this type of policy. This type of policy may not apply to any financial intermediary that a Fund treats as a single investor.

• A Fund can decide to exempt categories of Policy Owners whose Policies are subject to inconsistent trading restrictions or none at all.

• Non-shareholder initiated purchases or redemptions may not always be monitored. These include Sub-Account transfers that are executed: (i) automatically pursuant to a company sponsored contractual or systematic program such as transfers of assets as a result of "dollar cost averaging" programs, asset allocation programs, automatic rebalancing programs, loans, or systematic withdrawal programs; (ii) as a result of the payment of a Death Benefit; (iii) as a result of any deduction of charges or fees under a Policy; or (iv) as a result of payments such as loan repayments, scheduled premium payments, scheduled withdrawals or surrenders, retirement plan premium payments.

***Possibility of undetected abusive trading or market timing.*** We may not be able to detect or prevent all abusive trading activities. For instance,

• Since we net all the purchases and redemptions for a particular Fund for this and many of our other products, transfers by any specific market timer could be inadvertently overlooked.

• Certain forms of variable life insurance policies, variable annuity products and types of Funds may be attractive to market timers. We cannot provide assurances that we will be capable of addressing possible abuses in a timely manner.

• Our policies apply only to individuals and entities that own or are Policy Owners under this Policy. However, the Funds that make up the Sub-Accounts of this Policy are available for use with many different variable life insurance policies, variable annuity products and funding agreements, and they are offered directly to certain qualified retirement plans. Some of these products and plans may have less restrictive transfer rules or no transfer restrictions at all.

• In some cases, we are unable to count the number of Sub-Account transfers requested by group annuity participants co-investing in the same Funds ("Participants") or enforce the Transfer Rule because we do not keep Participants' account records for a Policy. In those cases, the Participant account records and Participant Sub-Account transfer information are kept by such owners or its third party service provider. These owners and third party service providers may provide us with

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

limited information or no information at all regarding Participant Sub-Account transfers.

**How are you affected by frequent Sub-Account Transfers?**

We are not responsible for losses or lost investment opportunities associated with the effectuation of these policies. Frequent Sub-Account transfers may result in the dilution of the value of the outstanding securities issued by a Fund as a result of increased transaction costs and lost investment opportunities typically associated with maintaining greater cash positions. This can adversely impact Fund performance and, as a result, the performance of your Policy. This may also lower the Death Benefit paid to your beneficiary.

Separate Account investors could be prevented from purchasing Fund shares if we reach an impasse on the execution of a Fund's trading instructions. In other words, a Fund complex could refuse to allow new purchases of shares by all our variable product investors if the Fund and we cannot reach a mutually acceptable agreement on how to treat an investor who, in a Fund's opinion, has violated the Fund's trading policy.

In some cases, we do not have the tax identification number or other identifying information requested by a Fund in our records. In those cases, we rely on the Policy Owner to provide the information. If the Policy Owner does not provide the information, we may be directed by the Fund to restrict the Policy Owner from further purchases of Fund shares. In those cases, all participants under a plan funded by the Policy will also be precluded from further purchases of Fund shares.

**Limitations on Transfers from the Fixed Account**

Except for transfers made under the Dollar Cost Averaging Program, any transfers from the Fixed Account must occur during the 30-day period following each Policy Anniversary, and, the maximum amount transferred in any Policy Year will be the greater of $1,000 and 25% of the Accumulated Value in the Fixed Account on the date of the transfer. As a result of these restrictions, it can take several years to transfer amounts from the Fixed Account to the Sub-Accounts.

**Dollar Cost Averaging**

You may elect to allocate your Net Premiums among the Sub-Accounts and the Fixed Account pursuant to the Dollar Cost Averaging ("DCA") Program. The DCA Program allows you to regularly transfer an amount you select from the Fixed Account or any Sub-Account into a different Sub-Account. Amounts will be transferred monthly to the other investment choices in accordance with your allocation instructions. The dollar amount will be allocated to the investment choices that you specify, in the proportions that you specify. If, on any transfer date, your Account Value allocated to the DCA Program is less than the amount you have elected to transfer, your DCA Program will terminate.

You may cancel your DCA election by notice in writing or by calling us at 800-231-5453. We reserve the right to change or discontinue the DCA Program.

The main objective of a DCA Program is to minimize the impact of short-term price fluctuations. The DCA Program allows you to take advantage of market fluctuations. Since the same dollar amount is transferred to your selected investment choices at set intervals, the DCA Program allows you to purchase more accumulation units when prices are low and fewer accumulation units when prices are high. Therefore, a lower average cost per accumulation unit may be achieved over the long term. However, it is important to understand that the DCA

Program does not assure a profit or protect against investment loss.

**Static Asset Allocation Models**

This feature allows you to select your portfolio of Funds based on your risk tolerance, time horizon and investment objectives. Based on these factors, you can select one of several asset allocation models, with each specifying percentage allocations among various Funds available under your Policy ("model portfolios"). These model portfolios are based on generally accepted investment theories that take into account the historic returns of different asset classes (e.g., equities, bonds or cash) over different time periods. We make available educational information and materials (e.g., pie charts, graphs, or case studies) that can help you select a model portfolio, but we do not recommend models or otherwise provide advice as to what model portfolio may be appropriate for you.

You choose how much of your Account Value you want to invest in this program. You can also combine this program with the DCA Program (subject to restrictions). Your investments under the program will be rebalanced at the specified frequency (quarterly, semi-annual or annual) you choose to reflect the model portfolio's original percentages, thereby eliminating imbalances resulting from market movements and/or partial surrenders. We have no discretionary authority or control over your investment decisions. These model portfolios are based on then available Funds and do not include the Fixed Account. You may participate in only one model portfolio at a time.

You will not be provided with information regarding periodic updates to the Funds and allocation percentages in the model portfolios, and we will not reallocate your Account Value based on those updates. Information on updated model portfolios may be obtained by contacting your financial professional. Investment alternatives other than these model portfolios are available that may enable you to invest your Account Value with similar risk and return characteristics. When considering a model portfolio for your individual situation, you should consider your other assets, income and investments in addition to this Policy.

**Asset Rebalancing**

Asset Rebalancing is another type of asset allocation program in which you customize your Sub-Accounts to meet your investment needs. You select the Sub-Accounts and the percentages you want allocated to each Sub-Account. Based on the frequency you select, your model will automatically rebalance to the original percentages chosen. You may only participate in one model at a time.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

**POLICY VALUES**

**Account Value**

Each Policy will have an Account Value. There is no minimum guaranteed Account Value.

The Account Value of a Policy changes on a daily basis and will be computed on each Valuation Day. The Account Value will vary to reflect the investment experience of the Sub-Accounts, the interest credited to the Fixed Account and the Loan Account, and the Monthly Deduction Amounts, Net Premiums paid, and any withdrawals taken.

A Policy's Account Value is related to the net asset value of the Funds associated with the Sub-Accounts, if any, to which Net Premiums on the Policy have been allocated. The Account Value in the Sub-Accounts on any Valuation Day is calculated by, first, multiplying the number of accumulation units in each Sub-Account as of the Valuation Day by the then current value of the accumulation units in that Sub-Account and then totaling the result for all of the Sub-Accounts. See **<u>[Accumulation Units](#ib3d5e05577b4484d87f19cafe5856f40_181)</u>**.

A Policy's Account Value equals the Policy's value in all of the Sub-Accounts, the Fixed Account, and the Loan Account. A Policy's Cash Value is equal to the Account Value less any applicable surrender charges. A Policy's Cash Surrender Value, which is the net amount available upon surrender of the Policy, is the Cash Value less any Indebtedness.

**Loans**

At any time while the Policy is in force and has a Cash Surrender Value, you may obtain a loan from us. We will hold the Policy as sole security for repayment of any such loans taken. We may defer granting a loan, for the period permitted by law but not more than six months, unless the loan is to be used to pay premiums on any policies you have with us. The minimum loan amount that we will allow is $500. The minimum loan amount may be different in your state. See **<u>[APPENDIX B](#ib3d5e05577b4484d87f19cafe5856f40_244)</u>** for state variations.

When you take a loan, an amount equal to the loan is transferred from your investment choices to the Loan Account as collateral.

Unless you specify otherwise, all loan amounts will be transferred on a Pro Rata Basis from the Fixed Account and each of the Sub-Accounts to the Loan Account.

If total Indebtedness equals or exceeds the Cash Value on any Monthly Activity Date, the Policy will then go into default. See **<u>[LAPSE AND REINSTATEMENT](#ib3d5e05577b4484d87f19cafe5856f40_214)</u>**.

If, at any time after the 10th Policy Anniversary, your Account Value exceeds the total of all premiums paid since issue, a portion of your Indebtedness may qualify as preferred. Preferred Indebtedness is charged a lower interest rate than non-preferred Indebtedness. The maximum amount of preferred Indebtedness is the amount by which the Account Value exceeds the total premiums paid and is determined on each Monthly Activity Date.

You can repay all or any part of a loan at any time while your Policy is in force and the insured is alive. The amount of your Policy loan repayment will be deducted from the Loan Account. It will be allocated among the Fixed Account and Sub-Accounts in the same percentage as premiums are allocated. All loan repayments must be clearly marked as such. Any payment not clearly marked as a loan repayment will be considered to be a premium payment.

A loan, whether or not repaid, will have a permanent effect on your Account Value and Death Benefit. This effect occurs because the investment results of each Sub-Account will apply only to the amount remaining in such Sub-Accounts. In addition, the rate of interest credited to the Fixed Account will usually be different than the rate credited to the Loan Account. The longer a loan is outstanding, the greater the effect on your Account Value is likely to be. Therefore, it is generally advisable to use any premium payments made to the Policy while a loan is outstanding to repay the loan. Such effect could be favorable or unfavorable. If the Fixed Account and the Sub-Accounts earn more than the annual interest rate for funds held in the Loan Account, your Account Value will not increase as rapidly as it would have had no loan been made. If the Fixed Account and the Sub-Accounts earn less than the Loan Account, then your Account Value will be greater than it would have been had no loan been made. Additionally, if not repaid, the aggregate amount of the outstanding Indebtedness will reduce the death proceeds and the Cash Surrender Value otherwise payable.

Any amounts in the Loan Account will be credited with interest at an annual rate of 3%.

Interest will accrue daily on the Indebtedness at the Policy loan rate. Because the interest charged on Indebtedness may exceed the rate credited to the Loan Account, the Indebtedness may grow faster than the Loan Account. If this happens, additional collateral will be transferred to the Loan Account. The additional collateral equals the difference between the Indebtedness and the value of the Loan Account. The additional collateral, if any, will be transferred on each Monthly Activity Date from the Fixed Account and the Sub-Accounts to the Loan Account on a Pro Rata Basis.

The table below shows the maximum interest rates we will charge on your Indebtedness.

---

| | | |
|:---|:---|:---|
| **During Policy Years** | **Portion of Indebtedness** | **Interest Rate Charged Equals:** |
| 1-10 | All | 5% |
| 11 and later | Preferred | 3.25% |
| 11 and later | Non-Preferred | 4.25% |

---

**Withdrawals**

One withdrawal is allowed per calendar month. You may request a withdrawal in writing. The minimum withdrawal allowed is $500. The maximum withdrawal is the Cash Surrender Value, minus $1,000. If the Death Benefit option then in effect is Option A or Option C, the Face Amount will be reduced by the amount of any withdrawal. Unless specified, the withdrawal will be deducted on a Pro Rata Basis from the Fixed Account and the Sub-Accounts. If you request a withdrawal to be taken from specified investment choices and there is insufficient value in a choice to satisfy your request, then the withdrawal will be taken on a Pro Rata Basis across all investment choices. You may be assessed a charge of up to $10 for each withdrawal. See **<u>[Transaction Charges](#ib3d5e05577b4484d87f19cafe5856f40_67)</u>**.

**Surrender of a Policy**

Provided your Policy has a Cash Surrender Value, you may surrender your Policy to us. In such case you may be subject to a surrender charge. We will pay you the Cash Surrender Value. Our liability under the Policy will cease as of the date we receive your request in writing at our Designated Address or the date you request your surrender, (our current administration rules

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

allow a Policy Owner to designate a future surrender date, no more than ten calendar days from the date we receive the request) whichever is later. See **<u>[Surrender Charge](#ib3d5e05577b4484d87f19cafe5856f40_64)</u>**.

**When Proceeds Are Paid** 

We will pay death proceeds, Cash Surrender Values, partial withdrawals, and loan amounts allocable to the Sub-Accounts within seven calendar days after we receive all the information needed to process the payment, unless the NYSE is closed for other than a regular holiday or weekend, trading is restricted by the SEC, the SEC declares that an emergency exists or the SEC

by order permits the postponement of payment to protect Policy Owners.

State law allows us to defer payment of any Cash Surrender Values, withdrawals and loan amounts which are not attributable to the Sub-Accounts for up to six months from the date of the request. These laws were enacted many years ago to help insurance companies in the event of a liquidity crisis. If we defer payment for more than 30 days, we will pay you interest.

**LAPSE AND REINSTATEMENT**

Your Policy will go into default on any Monthly Activity Date on which the Account Value less Indebtedness is not sufficient to cover the Monthly Deduction Amount and the No Lapse Guarantee is not available. See **<u>[NO LAPSE GUARANTEE](#ib3d5e05577b4484d87f19cafe5856f40_145)</u>**.

A 61-day "grace period" will begin from the date of any Policy default. Upon default, we will mail you and any assignee written notice of the amount of premiums that will be required to continue the Policy in force. This required premium will never be greater than an amount which results in a Cash Surrender Value equal to the current Monthly Deduction Amount plus the next two Monthly Deduction Amounts as of the date your Policy goes into default. If the insured dies during the grace period, we will pay the death proceeds reduced by any money you owe us, such as outstanding loans, loan interest or unpaid charges.

When your Policy is in default, no part of your Account Value is available to you. Consequently, you are not able to take any loans, withdrawals, or surrenders, make any transfers among the investment options, or change the way in which subsequent premiums are allocated.

We will keep your Policy in force for the 61-day period following the date your Policy goes into default. However, your Policy will terminate if we do not receive the required premium by the end of the grace period, unless the No-Lapse Guarantee is available. If the No-Lapse Guarantee is available and we have not received the required premium by the end of the grace period, the No-Lapse Guarantee will go into effect.

Prior to the death of the insured, a Policy may be reinstated prior to the Maturity Date, provided such Policy has not been surrendered for cash, and provided further that:

a) you request reinstatement in writing within five years after termination;

b) you submit satisfactory evidence of insurability to us;

c) any Indebtedness existing at the time the Policy was terminated is repaid or carried over to the reinstated Policy; and

d) you pay a premium sufficient to cover: (a) all Monthly Deduction Amounts that are due and unpaid during the grace period; and (b) the sum of Monthly Deduction Amounts for the next three months after the date the Policy is reinstated.

The Account Value on the reinstatement date equals:

• the Cash Value at the time of Policy termination; plus

• the Net Premiums derived from premiums paid at the time of Policy reinstatement; minus

• the Monthly Deduction Amounts that were due and unpaid during the grace period; plus

• any Indebtedness carried over to the reinstated Policy; plus

• the surrender charge at the time of Policy reinstatement.

The surrender charge, if any, that will be assessed upon the surrender of any reinstated Policy, will be calculated based on the Policy duration from the original Policy Date and as though the Policy had never lapsed..

**TAXES**

**Tax Treatment Of Policy Benefits**

This summary provides general information on the federal income tax treatment of the Policy. It is not a complete statement of what the federal income tax impact will be in all circumstances. It is based on current tax law and interpretations, which may change. It does not cover state taxes or other taxes. It is not intended as tax advice. You should consult your own tax adviser for complete information and advice.

***Treatment As Life Insurance.*** The Policy must meet certain requirements to qualify as life insurance for tax purposes. These requirements include certain definitional tests and rules for diversification of the Policy's investments. For further information on the diversification requirements, see the Taxation section in the Statements of Additional Information for the Funds.

In order to meet the definition of life insurance rules for income tax purposes, the Policy must satisfy one of the two following tests: (1) the Cash Value Accumulation Test or (2) the Guideline

Premium Test. At issue, the Policy Owner chooses which of these two tests will apply to their Policy. This choice cannot be changed thereafter.

The selection of the definition of life insurance test most appropriate for you is dependent on several factors, including the insured's age at issue, actual Policy earnings, and whether or not the Policy is classified as a Modified Endowment Contract.

Changes in your Policy may result in your Policy being considered newly issued and require "re-testing" of a Policy under either the Cash Value Accumulation Test or Guideline Premium Test using the mandatory Commissioners Standard Ordinary Mortality Tables and prescribed interest rates as of that date.

You should consult your own tax adviser for complete information and advice with respect to the selection of the definition of life insurance test.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

We believe we have taken adequate steps to ensure that the Policy qualifies as life insurance for tax purposes. Generally speaking, this means that:

a) you will not be taxed on the growth of the Account Value unless you receive a distribution from the Policy or if the Policy lapses or is surrendered, and

b) the Policy's Death Benefit will generally be income tax free to your beneficiary. However, your Death Benefit may be subject to estate taxes.

Although we believe that the Policy should qualify as life insurance for tax purposes, there are some uncertainties, particularly because the Secretary of Treasury has not yet issued permanent regulations that bear on this question. Accordingly, we reserve the right to make changes — which will be applied uniformly to all Policy Owners after advance written notice — that we deem necessary to ensure that the Policy will qualify as life insurance or to comply with applicable federal tax law.

The Policy may not qualify as life insurance under federal tax law after the insured has Attained Age 100 and may be subject to adverse tax consequences. A tax advisor should be consulted before you choose to continue the Policy after the insured reaches age 100.

***Pre-Death Distributions.*** The tax treatment of any distribution you receive before the insured's death depends on whether or not the Policy is classified as a Modified Endowment Contract.

***Policies Not Classified as Modified Endowment Contracts***

• If you surrender the Policy or allow it to lapse, you will be taxed on the amount you receive in excess of the premiums you paid less the untaxed portion of any prior withdrawals. For this purpose, you will be treated as receiving any portion of the Cash Surrender Value used to repay Policy debt. In other words, you will immediately have taxable income to the extent of gain in the Policy. Reinstatement of the Policy after lapse will not eliminate the taxable income that we are required to report to the IRS. The tax consequences of a surrender may differ if you take the proceeds under an income payment settlement option.

• Generally, you will be taxed on a withdrawal to the extent the amount you receive exceeds the premiums you paid for the Policy less the untaxed portion of any prior withdrawals. However, under some limited circumstances, in the first 15 Policy Years, all or a portion of a withdrawal may be taxed if the Account Value exceeds the total premiums paid less the untaxed portions of any prior withdrawals, even if total withdrawals do not exceed total premiums paid.

• Extra premiums for optional benefits and riders generally do not count in computing the premiums paid for the Policy for the purposes of determining whether a withdrawal is taxable.

• Loans you take against the Policy are ordinarily treated as debt and are not considered distributions subject to tax unless the Policy is surrendered or lapsed.

***Modified Endowment Contracts***

• The rules change if the Policy is classified as a Modified Endowment Contract. The Policy could be classified as a Modified Endowment Contract if premiums substantially in excess of scheduled premiums are paid or a decrease in the Face Amount is made (or a rider is removed). The addition of a rider or an increase in the Face Amount may also cause the Policy to be classified as a Modified Endowment Contract if a significant premium is paid in conjunction with an increase or the addition of a rider. We will notify you if a premium or a

change in the Face Amount would cause the Policy to become a Modified Endowment Contract and advise you of your options. You should first consult a tax adviser and your life insurance representative if you are contemplating any of these steps.

• If the Policy is classified as a Modified Endowment Contract, then amounts you receive under the Policy before the insured's death, including loans and withdrawals, are included in income to the extent that the Account Value before surrender charges (or, in the case of a full surrender, the Cash Surrender Value after surrender charges) exceeds the premiums paid for the Policy increased by the amount of any loans previously included in income and reduced by any untaxed amounts previously received other than the amount of any loans excluded from income. An assignment of a Modified Endowment Contract is taxable in the same way. These rules also apply to pre-death distributions, including loans and assignments, made during the two-year period before the time that the Policy became a Modified Endowment Contract.

• Any taxable income on pre-death distributions (including full surrenders) is subject to a 10% additional tax unless the amount is received on or after you attain age 59½, on account of you becoming disabled, or as a life annuity. It is presently unclear how the 10% additional tax provision applies to Policies owned by businesses.

• All Modified Endowment Contracts issued by us to you during the same calendar year are treated as a single Policy for purposes of applying these rules.

• Changes in the Policy, including changes in Death Benefits, may require additional testing to determine whether the Policy should be classified as a Modified Endowment Contract.

***Investor Control.*** The tax law limits the amount of control you may have over choosing investments for the Policy. If this "investor control" rule is violated the Policy assets will be considered owned directly by you and lose the favorable tax treatment generally afforded life insurance. Treasury Department regulations do not provide specific guidance concerning the extent to which you may direct your investment in the particular Investment Options without causing you, instead of us, to be considered the owner of the underlying assets. Because of this uncertainty, we reserve the right to make such changes as we deem necessary to assure that the Policy qualifies as life insurance for tax purposes. Any such changes will apply uniformly to affected Policy Owners and will be made with such notice to affected Policy Owners as is feasible under the circumstances.

***Income Tax Withholding.*** You must affirmatively elect that no income taxes be withheld from a pre-death distribution. Otherwise, the taxable portion of any amounts you receive will be subject to income tax withholding. You are not permitted to elect out of income tax withholding if you do not provide a valid social security number or other taxpayer identification number, or payment is made outside the United States. You may be subject to penalties under the estimated tax payment rules if your income tax withholding and estimated tax payments are insufficient to cover the income tax due.

Special tax rules apply to withholding for nonresident aliens, and we generally withhold income tax for nonresident aliens at a 30% rate. A different withholding rate may be applicable to a nonresident alien based on the terms of an existing income tax treaty between the United States and the nonresident alien's country.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

***Other Tax Considerations.*** If you transfer or assign the Policy to someone else, there may be gift, estate and/or income tax consequences. If you transfer the Policy to a person two or more generations younger than you or to an unrelated individual more than 37.5 years younger than you (or designate such a younger person as a beneficiary), there may be Generation-Skipping Transfer tax consequences. In addition, if you transfer your Policy to a foreign person, we are required to provide an information return regarding the transfer to you and the IRS.

Your individual situation or that of your beneficiary will determine the federal estate taxes and the state and local estate, inheritance and other taxes due if you or the insured dies.

Deductions for interest paid or accrued on Policy debt or on other loans that are incurred or continued to purchase or carry the Policy may not be permitted under the tax law.

***Business-Owned Life Insurance.*** If a business, rather than an individual, is the owner of the Policy, there are some additional rules. Business Policy Owners generally cannot deduct premium payments. Business Policy Owners generally cannot take tax deductions for interest on Policy debt paid or accrued after October 13, 1995. An exception permits the deduction of interest on Policy loans on Policies for up to 20 key persons. The interest deduction for Policy debt on these loans is limited to a prescribed interest rate and a maximum aggregate loan amount of $50,000 per key insured person.

For business-owned life insurance coverage issued after August 17, 2006, Death Benefits will generally be taxable as ordinary income to the extent it exceeds cost basis. Life insurance Death Benefits will continue to be generally income tax free if, prior to Policy issuance, the employer provided a prescribed notice to the proposed insured/employee, obtained the employee's consent to the life insurance, and one of the following requirements is met: (a) the insured was an employee at any time during the 12-month period prior to his or her death; (b) the insured was a director or highly compensated employee or individual (as defined in the Internal Revenue Code) at the time the Policy was issued; or (c) the Death Benefits are paid to the insured's heirs or his or her designated beneficiaries (other than the employer), either directly as a Death Benefit or received from the purchase of an equity (or capital or profits) interest in the applicable policy owner. Annual reporting and record keeping requirements will apply to employers maintaining such business-owned life insurance.

***Sales Of Issued Life Insurance Policies To Third Parties.*** If you sell your Policy to a third party who the insured does not have a substantial family, financial or business relationship with (as defined in the Internal Revenue Code and accompanying Treasury Regulations), then the sale may be considered to be a reportable policy sale.

The purchaser of your Policy in a reportable policy sale is required to submit a Form 1099-LS to us, the IRS and the seller. Once received, we are required to report your Cash Surrender Value and cost basis information with respect to the Policy as of the date of the sale to the IRS and the seller. In addition, if a sale is a reportable policy sale, then all or part of the Death Benefit will be subject to income tax and tax reported by us when paid to the beneficiary.

***Tax Qualified Pension Plans***

You may have acquired the Policy to fund a pension plan that qualifies for tax favored treatment under the Internal Revenue Code. Such Policies must satisfy the minimum Face Amount requirements outlined in the Policy and can never be less than

$10,000. Increases and decreases of the Face Amount may be allowed under the terms of the Policy and are subject to certain conditions. The monthly charge for anticipated mortality costs and illustrated premium is the same for male and female insureds of a particular age and underwriting classification, as required for insurance and annuity policies sold to tax-qualified pension plans. We provided you with illustrations showing premiums and charges if you wished to fund a tax-qualified pension plan. We reserve the right to restrict the availability of certain riders for Policies issued in connection with a tax-qualified pension plan. You should consult a qualified tax advisor before purchasing a Policy in connection with a tax-qualified pension plan to confirm, among other things, the suitability of the Policy for your particular plan.

***Special Considerations for Policies with the LifeAccess Rider***

The following is based on our general understanding of current Federal tax laws and is not intended as legal or tax advice. The Policy Owner should consult a qualified personal tax advisor to determine the consequences of purchasing and exercising the benefits provided by the rider.

The LifeAccess Accelerated Benefit Rider allows a Policy Owner to accelerate all or a portion of their Death Benefit and any term amount (each as determined at the time of initial payment) if the insured provides valid certification that the insured is Chronically Ill, as defined in the rider, and otherwise satisfies the terms of the rider. We have designed this rider so that the benefits paid under the rider will be treated for federal income tax purposes as accelerated Death Benefits under Section 101(g)(1)(B) of the Code. The benefit is intended to qualify for exclusion from income subject to the qualification requirements under applicable provisions of the Code, which are dependent on the recipient's particular circumstances. Subject to state variations, a Policy Owner may elect to receive the accelerated benefit in monthly payments or in a lump sum, as described in the Policy. Receipt of an accelerated benefit payable monthly may be treated differently than if you receive the payment in a lump sum for Federal tax purposes. Accelerated benefits under this rider may be taxable as income. You should consult a personal tax advisor before purchasing the rider or applying for benefits.

The exclusion from income tax for accelerated Death Benefits does not apply to any amounts paid to a Policy Owner other than the insured if the Policy Owner has an insurable interest with respect to the life of the insured by reason of the insured being an officer, employee or director of the Policy Owner or by reason of the insured being financially interested in any trade or business carried on by the Policy Owner. In addition, special rules apply to determine the taxability of benefits when there is more than one contract providing accelerated benefits on account of chronic illness and/or other insurance policies on the insured that will pay similar benefits, and more than one Policy Owner. Where the owner and insured are not the same (e.g., when a Policy with the rider is owned by an irrevocable life insurance trust), other tax considerations may also arise in connection with getting benefits to the insured, for example, gift taxes in personal settings, compensation income in the employment context and inclusion of the life insurance Policy or Policy proceeds for estate tax purposes.

Death Benefit, Account Value, Cash Value and the Loan Account Value, if any, will be reduced if you receive accelerated Death Benefits under this rider. Any adjustments made to the Death Benefit and other values as a result of payments under the rider will also generally cause adjustments to the tax limits that apply to your Policy. Any amount you receive as an accelerated Death

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

Benefit will reduce the amount the named beneficiary(ies) under the Policy may receive upon the death of the insured.

The rider is not intended to be a health contract or a qualified long term care insurance contract under Section 7702B(b) of the Code nor is it intended to be a non-qualified long term care contract and it is not intended or designed to eliminate the need for such coverage.

The Policy Owner's and/or the Policy Owner's spouse or dependents' eligibility for certain public assistance programs, such as Medicaid, and other government benefits or entitlements may be affected by owning this rider or by receiving benefits under the rider.

Although we do not believe the charges for this rider should be treated as distributions for income tax purposes, there is a possibility that the charges may be considered distributions and may be taxable to the owner to the extent not considered a nontaxable return of premiums paid for the life insurance Policy. Charges for the rider are not deductible as medical expenses for income tax purposes.

Certain transfers-for-value of a life insurance Policy cause the Policy's Death Benefit to be subject to income tax when paid. If there is such a transfer-for-value, benefits accelerated under this rider may also be subject to income tax.

For income tax purposes, payment of benefits will be reported to the Policy Owner. The Policy Owner must then file the applicable IRS form to determine the amounts to be included or excluded from income for the applicable tax year. If there is more than one accelerated Death Benefit rider for chronic illness, other insurance policies on the insured that will pay similar benefits, or any other reimbursement of the insured's expenses, receipt of all such benefits must be considered to determine your tax obligation.

**Company Taxes**

Under current law, we may incur state and local taxes (in addition to premium taxes) in several states. Currently, these taxes are not significant and they are not charged against the Account. If there is a material change in the applicable state or local tax laws, we may impose a corresponding charge against the Account.

In calculating our corporate income tax liability, we may derive certain corporate income tax benefits associated with the investment of company assets, including Separate Account assets, which are treated as company assets under applicable income tax law. These benefits reduce our overall corporate income tax liability. Under current law, such benefits include foreign tax credits and corporate dividend received deductions. We do not pass these tax benefits through to Policy Owners with investments in Separate Account assets because (i) the Policy Owners are not the owners of the assets generating these benefits under applicable income tax law and (ii) we do not currently include company income taxes in the tax charges you pay under the Policy.

**DISTRIBUTION AND COMPENSATION**

Effective May 1, 2014, Pruco Securities, LLC, ("Pruco Securities") an indirect wholly owned subsidiary of Prudential Financial, acts as the principal underwriter of all Policies offered through this prospectus. Pruco Securities, organized as an LLC on September 22, 2003 under New Jersey law, is registered as a broker and dealer under the Securities Exchange Act of 1934 and is a registered member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). (Pruco Securities is a successor company to Pruco Securities Corporation, established on February 22, 1971.) Pruco Securities' principal business address is 751 Broad Street, Newark, New Jersey 07102.

Pruco Securities pays compensation to broker-dealers, financial institutions and other parties ("Financial Intermediaries") for the sale of the Policies according to schedules in the sales agreements and other agreements reached between us and the Financial Intermediaries. Such compensation generally consists of commissions on a specified amount of premium paid for the Policy.

Your financial professional typically receives a portion of the compensation that is payable to his or her broker-dealer in connection with the sale of the Policy, depending on the agreement between your financial professional and his or her firm.

As compensation for selling the Policies, Pruco Securities pays to broker-dealers a commission of up to 120% of the premiums paid up to the first twelve recommended monthly minimum premiums, up to 4% of all other premiums paid during the first year of the Policy, up to 4% of all such premiums in Policy Years two through ten and up to 2.5% of all such premiums in years eleven and later. Pruco Securities pays a comparable amount of compensation for any increase of $25,000 or more in the Face Amount of coverage that you request.

**LEGAL PROCEEDINGS**

There continues to be significant federal and state regulatory activity relating to financial services companies. Like other insurance companies, we are involved in lawsuits, arbitrations, and regulatory/legal proceedings. Certain of the lawsuits and legal actions the Company is involved in assert claims for substantial amounts. While it is not possible to predict with certainty the ultimate outcome of any pending or future case, legal proceeding or regulatory action, we do not expect the ultimate result of any of these actions to result in a material adverse effect on the Separate Account, the ability of the principal underwriter to perform its contract with the Separate Account, or the ability of the Company to meet its obligations under the Policies.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

**RESTRICTIONS ON FINANCIAL TRANSACTIONS**

Federal laws designed to counter terrorism and prevent money laundering might, in certain circumstances, require us to block a Policy Owner's ability to make certain transactions and thereby we may refuse to accept any request for transfers, withdrawals,

surrenders, or Death Benefits, until the instructions are received from the appropriate regulator. We may also be required to provide additional information about you and your Policy to government regulators.

**FINANCIAL STATEMENTS**

Our audited statutory-basis financial statements are hereby incorporated by reference into the statement of additional information and should be considered only as bearing upon our ability to meet our obligations under the Policy. The Separate

Account's audited financial statements are also hereby incorporated by reference into the statement of additional information to this prospectus.

**ADDITIONAL INFORMATION**

We have filed a registration statement with the SEC under the Securities Act of 1933, relating to the offering described in this prospectus. This prospectus does not include all the information set forth in the registration statement. Certain portions have been omitted pursuant to the rules and regulations of the SEC. The omitted information may, however, be obtained from the SEC's Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549, by telephoning 202-551-8090, or by emailing PublicInfo@SEC.gov, upon payment of a prescribed fee.

To reduce costs, we now generally send only a single copy of prospectuses and shareholder reports to each household ("householding"), in lieu of sending a copy to each Policy Owner that resides in the household. You should be aware that you can revoke or opt out of householding at any time by calling 800-231-5453.

Pursuant to the delivery obligations under Section 5 of the Securities Act of 1933 and Rule 159 thereunder, we deliver this prospectus to Policy Owners that reside outside of the United States. In addition, we may not market or offer benefits, features, or enhancements to prospective or current Policy Owners while outside of the United States.

You may contact us for further information at the address and telephone number on the back cover of this prospectus.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

**APPENDIX A: Funds Available Under the Policy**

The following is a list of Funds available under the Policy. 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.prudential.com/hig-funds. You can also request this information at no cost by calling 800-231-5453. Fund prospectuses and other information are also available from a financial intermediary (such as an insurance sales agent or broker-dealer) through which the Policy may be purchased or sold.

The current expense and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that your Policy 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.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Small-Cap Value | **AB VPS Discovery Value Portfolio** (Class B) - AllianceBernstein L.P. | 1.07% | 2.64% | 8.48% | 8.27% |
| Global/International | **\*AB VPS International Value Portfolio** (Class B) - AllianceBernstein L.P. | 1.17%^ | 41.27% | 10.19% | 6.37% |
| Asset Allocation | **American Funds Insurance Series® Asset Allocation Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.54% | 15.85% | 8.97% | 9.77% |
| Global/International | **American Funds Insurance Series® EUPAC Fund** (formerly American Funds Insurance Series® International Fund) (Class 2) - Capital Research and Management Company℠ | 0.72%^ | 26.77% | 3.40% | 7.00% |
| Global/International | **American Funds Insurance Series® Global Growth Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.65%^ | 21.62% | 8.23% | 12.17% |
| Large-Cap Growth | **American Funds Insurance Series® Growth Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.58% | 20.24% | 13.37% | 17.97% |
| Large-Cap Blend | **American Funds Insurance Series® Growth-Income Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.53% | 18.06% | 13.90% | 13.92% |
| Emerging Markets | **American Funds Insurance Series® New World Fund®** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.82%^ | 28.29% | 5.33% | 9.25% |
| Global/International | **American Funds Insurance Series® SMALLCAP World Fund** (formerly American Funds Insurance Series® Global Small Capitalization Fund) (Class 2) - Capital Research and Management Company℠ | 0.90%^ | 14.64% | 0.49% | 7.23% |
| Fixed Income | **American Funds Insurance Series® The Bond Fund of America** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.47%^ | 7.26% | (0.14)% | 2.36% |
| Large-Cap Value | **American Funds Insurance Series® Washington Mutual Investors Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.50%^ | 17.21% | 13.89% | 12.36% |
| Large-Cap Blend | **BlackRock S&P 500 Index V.I. Fund** (Class I) - BlackRock Advisors, LLC | 0.13% | 17.72% | 14.28% | 14.63% |
| Large-Cap Growth | **Fidelity® VIP Contrafund**<sup>SM</sup> **Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.79% | 21.24% | 15.08% | 15.49% |
| Large-Cap Value | <sup>1</sup>**Fidelity® VIP Equity-Income Portfolio**<sup>SM</sup> (Initial Class) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.46% | 19.02% | 12.51% | 11.60% |
| Large-Cap Value | **Fidelity® VIP Equity-Income Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.71% | 18.75% | 12.23% | 11.32% |
| Asset Allocation | **Fidelity® VIP Freedom Fund 2010 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) | 0.63% | 10.26% | 2.89% | 5.46% |
| Asset Allocation | **Fidelity® VIP Freedom Fund 2020 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) | 0.69% | 12.99% | 4.57% | 7.11% |
| Asset Allocation | **Fidelity® VIP Freedom Fund 2030 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) | 0.74% | 15.16% | 5.98% | 8.61% |
| Money Market | <sup>2</sup>**Fidelity® VIP Government Money Market Portfolio** (Service Class) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.35% | 4.03% | 3.02% | 1.95% |
| Mid-Cap Growth | **Fidelity® VIP Mid Cap Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.80% | 11.49% | 9.83% | 10.31% |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Large-Cap Value | **Franklin Income VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.72% | 12.56% | 7.66% | 7.30% |
| Large-Cap Value | **Franklin Mutual Global Discovery VIP Fund** (Class 2) - Franklin Mutual Advisers, LLC  | 1.16% | 23.34% | 12.00% | 8.52% |
| Large-Cap Value | **\*Franklin Mutual Shares VIP Fund** (Class 2) - Franklin Mutual Advisers, LLC  | 0.94% | 11.52% | 9.20% | 7.53% |
| Small-Cap Value | **Franklin Small Cap Value VIP Fund** (Class 2) - Franklin Mutual Advisers, LLC  | 0.91%^ | 7.65% | 8.86% | 9.81% |
| Multisector Bond | **Franklin Strategic Income VIP Fund** (Class 1) - Franklin Advisers, Inc. | 0.82%^ | 7.42% | 2.15% | 3.36% |
| Large-Cap Blend | **Hartford Balanced HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.66% | 12.14% | 8.20% | 8.97% |
| Large-Cap Blend | **Hartford Capital Appreciation HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.68% | 13.72% | 9.96% | 11.93% |
| Large-Cap Growth | **Hartford Disciplined Equity HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.60% | 14.32% | 12.07% | 13.46% |
| Large-Cap Value | **Hartford Dividend and Growth HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.66% | 17.49% | 12.68% | 12.48% |
| Global/International | **Hartford International Opportunities HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.76% | 30.41% | 6.86% | 8.14% |
| Mid-Cap Blend | **Hartford MidCap HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.76% | (0.38)% | 0.24% | 8.05% |
| Small-Cap Growth | **Hartford Small Company HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.81% | 12.96% | 0.71% | 10.55% |
| Large-Cap Blend | **Hartford Stock HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.52% | 7.97% | 8.44% | 10.98% |
| Fixed Income | **Hartford Total Return Bond HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.51% | 7.30% | (0.04)% | 2.75% |
| Fixed Income | **Hartford Ultrashort Bond HLS Fund** (Class IA) - Hartford Funds Management Company, LLC / *Wellington Management Company LLP* | 0.45% | 4.51% | 2.88% | 2.21% |
| Large-Cap Growth | **Invesco V.I. American Franchise Fund** (Series I) - Invesco Advisers, Inc. | 0.85% | 11.67% | 10.35% | 14.87% |
| Mid-Cap Value | **Invesco V.I. American Value Fund** (Series II) - Invesco Advisers, Inc. | 1.14% | 20.76% | 17.56% | 12.01% |
| Balanced | **Invesco V.I. Balanced-Risk Allocation Fund** (Series I) - Invesco Advisers, Inc. | 0.88%^ | 9.01% | 2.53% | 5.17% |
| Large-Cap Growth | **\*Invesco V.I. Discovery Large Cap Fund** (Series II) - Invesco Advisers, Inc. | 1.05%^ | 12.53% | 11.41% | 13.94% |
| Large-Cap Value | **Invesco V.I. Comstock Fund** (Series II) - Invesco Advisers, Inc. | 1.00% | 17.14% | 15.14% | 11.67% |
| Large-Cap Blend | **\*Invesco V.I. Core Equity Fund** (Series I) - Invesco Advisers, Inc. | 0.80% | 16.17% | 12.81% | 11.73% |
| Mid-Cap Growth | **\*Invesco V.I. Discovery Mid Cap Growth Fund** (Series I) - Invesco Advisers, Inc. | 0.86% | 4.79% | 3.90% | 11.38% |
| Global/International | **Invesco V.I. EQV International Equity Fund** (Series I) - Invesco Advisers, Inc. | 0.90% | 16.50% | 3.68% | 6.22% |
| World Large-Stock Growth | **Invesco V.I. Global Fund** (Series II) - Invesco Advisers, Inc. | 1.06% | 15.02% | 7.01% | 10.72% |
| Large-Cap Blend | **Invesco V.I. Main Street Fund®** (Series II) - Invesco Advisers, Inc. | 1.05%^ | 15.64% | 12.19% | 12.25% |
| Mid-Cap Blend | **\*Invesco V.I. Main Street Mid Cap Fund®** (Series I) - Invesco Advisers, Inc. | 0.94% | 9.19% | 9.11% | 9.35% |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Small-Cap Blend | **Invesco V.I. Main Street Small Cap Fund®** (Series II) - Invesco Advisers, Inc. | 1.09% | 8.44% | 8.07% | 10.31% |
| Small-Cap Blend | **Invesco V.I. Small Cap Equity Fund** (Series I) - Invesco Advisers, Inc. | 0.96% | 8.05% | 7.32% | 9.55% |
| Multisector Bond | **Lord Abbett Series Fund Bond Debenture Portfolio** (Class VC) - Lord, Abbett & Co., LLC | 0.98% | 8.33% | 2.10% | 4.72% |
| Large-Cap Blend | **Lord Abbett Series Fund Dividend Growth Portfolio** (Class VC) - Lord, Abbett & Co., LLC | 0.99%^ | 15.98% | 12.34% | 13.06% |
| Large-Cap Value | **Lord Abbett Series Fund Growth and Income Portfolio** (Class VC) - Lord, Abbett & Co., LLC | 0.93% | 17.29% | 13.34% | 11.12% |
| Large-Cap Blend | **MFS® Investors Trust Series** (Initial Class) - Massachusetts Financial Services Company | 0.74%^ | 13.57% | 11.33% | 12.49% |
| Small-Cap Growth | **MFS® New Discovery Series** (Initial Class) - Massachusetts Financial Services Company | 0.87%^ | 12.96% | (0.28)% | 10.74% |
| Intermediate Core-Plus Bond | **MFS® Total Return Bond Series** (Initial Class) - Massachusetts Financial Services Company | 0.53%^ | 7.17% | 0.15% | 2.63% |
| Intermediate Core-Plus Bond | **MFS® Total Return Series** (Initial Class) - Massachusetts Financial Services Company | 0.61%^ | 11.16% | 6.42% | 7.63% |
| Large-Cap Value | **MFS® Value Series** (Initial Class) - Massachusetts Financial Services Company | 0.69%^ | 13.01% | 9.95% | 10.05% |
| Mid-Cap Growth | **Morgan Stanley VIF Discovery Portfolio** (Class II) - Morgan Stanley Investment Management Inc. | 1.05%^ | 12.44% | (5.46)% | 14.04% |
| Multisector Bond | **Putnam VT Diversified Income Fund** (Class IB) - Franklin Advisers, Inc. / *Putnam Investment Management, LLC and Franklin Templeton Investment Management Limited* | 1.05% | 8.58% | 1.81% | 3.03% |
| Global/International | <sup>3</sup>**Putnam VT Focused International Equity Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc.; Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC* | 1.03%^ | 36.44% | 9.13% | 9.38% |
| Mid-Cap Value | **Putnam VT High Yield Fund** (Class IB) - Franklin Advisers, Inc. / *Putnam Investment Management, LLC and Franklin Templeton Investment Management Limited* | 0.96% | 8.67% | 4.05% | 5.70% |
| Income | **Putnam VT Income Fund** (Class IB) - Franklin Advisers, Inc. / *Putnam Investment Management, LLC and Franklin Templeton Investment Management Limited* | 0.82% | 7.25% | (1.13)% | 1.89% |
| Global/International | **Putnam VT International Equity Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc.; Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC* | 1.06% | 37.68% | 9.28% | 8.12% |
| Large-Cap Growth | **Putnam VT Large Cap Growth Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 0.87% | 14.34% | 13.44% | 17.66% |
| Large-Cap Value | **Putnam VT Large Cap Value Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 0.79% | 20.35% | 15.38% | 13.30% |
| Small-Cap Growth | **\*Putnam VT Small Cap Growth Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 1.12%^ | 8.80% | 6.18% | 11.45% |
| Small-Cap Value | **Putnam VT Small Cap Value Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 1.02% | 5.27% | 10.99% | 9.13% |
| Large-Cap Growth | **Putnam VT Sustainable Leaders Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 0.88% | 10.69% | 10.34% | 14.69% |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Global/International | **\*Templeton Foreign VIP Fund** (Class 2) - Templeton Investment Counsel, LLC | 1.08%^ | 29.19% | 8.25% | 5.75% |
| Global/International | **Templeton Global Bond VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.75%^ | 15.73% | (0.96)% | (0.15)% |
| Large-Cap Value | **\*Templeton Growth VIP Fund** (Class 2) - Templeton Global Advisors Limited | 1.12%^ | 23.83% | 7.95% | 7.04% |

---

^ The Fund's annual current expense reflects temporary fee reductions.

\* Closed to new and subsequent premium payments and transfers of Account Value.

<sup>1</sup> Policies issued prior to October 3, 2005 receive this share class.

<sup>2</sup> In a low interest rate environment, yields for money market Funds, after deduction of Policy charges may be negative even though the Fund's yield, before deducting for such charges, is positive. If you allocate a portion of your Account Value to a money market Sub-Account or participate in an asset allocation program where Account Value is allocated to a money market Sub-Account, that portion of your Account Value may decrease in value.

<sup>3</sup> Fund closed to all premium payments and transfers of Account Value for all Policies issued on or after May 1, 2006. Fund remains open for investment to Policies issued before May 1, 2006.

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

**APPENDIX B: State Availability Or Variations Of Certain Features And Riders** 

---

| | | |
|:---|:---|:---|
| **State** | **Feature or Rider** | **Availability or Variation** |
| AL | Accidental Death Benefit Rider | Accidental Death Benefit Rider is not available. |
| CA | Waiver of Specified Amount Rider | Waiver of Specified Amount Rider is not available. |
| CT | Loans | Minimum loan amount is $200. |
| FL | Deduction Amount Waiver Rider | Deduction Amount Waiver Rider is not available. |
| FL | LifeAccess Accelerated Benefit Rider | LifeAccess Accelerated Benefit Rider is not available. |
| IL | No Lapse Guarantee | The No Lapse Guarantee is referred to as Policy Coverage Protection Benefit. |
| MA | Accidental Death Benefit Rider | Accidental Death Benefit Rider is not available. |
| MD | Mortality and Expense Risk Charge | The Mortality and Expense Risk Charge is referred to as the Monthly Asset Based Charge. |
| NC | Deduction Amount Waiver Rider | Deduction Amount Waiver Rider is not available. |
| NJ | LifeAccess Accelerated Benefit Rider | LifeAccess Accelerated Benefit Rider is not available. |
| NJ | Loans | No minimum loan amount. |
| MT | Unisex Rates | Unisex rates apply. Any reference to sex throughout the prospectus is not applicable. |
| OR | Front-End Sales Load | The current sales load is 10% in the first Policy Year and 6% thereafter. The maximum sales load is 10% in Policy Years 1 through 20 and 8% thereafter. |
| PA | Accidental Death Benefit Rider | Accidental Death Benefit Rider is not available. |
| PA | Loans | No minimum loan amount. |
| SD | LifeAccess Accelerated Benefit Rider | LifeAccess Accelerated Benefit Rider is not available. |
| TN | Loans | There is no minimum loan amount. |
| TX | Enhanced No Lapse Guarantee Rider | Enhanced No Lapse Guarantee Rider is not available. |
| TX | Lifetime No Lapse Guarantee Rider | Lifetime No Lapse Guarantee Rider is not available. |
| VT | Child Insurance Rider | Child Insurance Rider is not available. |
| WA | LifeAccess Accelerated Benefit Rider | LifeAccess Accelerated Benefit Rider is not available. |
| WV | When Proceeds Are Paid | We will defer payment of any Cash Surrender Values, withdrawals and loan amounts which are not attributable to the Sub-Accounts for 30 days from the date of the request. |

---

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

**GLOSSARY: Definitions Of Special Terms Used In This Prospectus**

**1933 Act:** Refers to the Securities Act of 1933, as amended.

**1940 Act:** Refers to the Investment Company Act of 1940, as amended.

**Account Value:** The total of all amounts in the Fixed Account, Loan Account and Sub-Accounts.

**Application:** A form or set of forms that must be completed and signed by the prospective Policy Owner and each insured before we can issue a Policy.

**Attained Age:** The insured's age on the Policy Date plus the number of years since then.

**Benefit Net Amount at Risk:** The Benefit Net Amount at Risk equals the Policy Death Benefit plus any term insurance amount multiplied by the LifeAccess Specified Percentage minus the Policy Account Value.

**Benefit Percentage:** The percentage of the Eligible Amount used to calculate the accelerated benefit. This percentage is selected by you when the benefit is applied for and cannot be greater than 100%. The Benefit Percentage is set at issue.

**Benefit Period:** A period of time not to exceed twelve consecutive months. Such period begins on the later of: (a) the date we approve a request for an accelerated benefit; and (b) the date all conditions for eligibility of benefit payments have been satisfied, and ends on the earlier of: (a) the end of twelve consecutive months; and (b) the date benefit payments end as described under the When Benefit Payments End provision.

**Cash Surrender Value:** The Cash Value less all Indebtedness.

**Cash Value:** The Account Value less any applicable surrender charges.

**Cognitive Impairment:** The deterioration or loss of the insured's intellectual capacity which is confirmed by a Licensed Health Care Practitioner and measured by clinical evidence and standardized tests that reliably measure the insured's impairment in: short or long term memory, orientation as to person, place and time, deductive or abstract reasoning, or judgment as it relates to safety awareness.

**Company (Issuing Company):** Talcott Resolution Life and Annuity Insurance Company. The name of the company that issues your Policy appears on the Policy.

**Cumulative No Lapse Guarantee Premium:** The premium required to maintain the No Lapse Guarantee. Initially, the Cumulative No-Lapse Guarantee Premium is the No-Lapse Guarantee Premium. On each Monthly Activity Date thereafter, the Cumulative No-Lapse Guarantee Premium is: (a) the Cumulative No-Lapse Guarantee Premium on the previous Monthly Activity Date; plus (b) the current No-Lapse Guarantee Premium.

**Death Benefit:** While the Policy is in force and when the insured dies, this is the amount we will pay, assuming no Indebtedness.

**Designated Address:** Our address for receiving premium payments and other Policy holder requests.

The Designated Address for sending premium payments is the address on your bill or Policy Owner Services, P.O. Box 9001970, Louisville, TN 40290-1970.

The Designated Address for sending all other Policy holder transactions is to Policy Owner Services, P.O. Box 305034, Nashville, TN 37230-5034.

**Diminished Life Expectancy:** A Physician has certified that the Specified Insured has an illness or medical condition that is reasonably expected to result in the death of the Specified Insured within 12 months or less from the date of the certification.

**Eligible Amount:** Under the Accelerated Death Benefit Rider for Terminal Illness, the Eligible Amount equals the current Face Amount of the Policy and any term insurance rider covering the Specified Insured attached to the Policy that is not within two years of expiry. Under the LifeAccess Accelerated Benefit Rider, the Eligible Amount equals the current Death Benefit plus any term insurance amount covering the insured under the Policy.

**Face Amount:** An amount we use to determine the Death Benefit. On the Policy Date, the Face Amount equals the initial Face Amount shown in your Policy. Thereafter, it may change under the terms of the Policy.

**Fixed Account:** Part of our general account to which all or a portion of the Account Value may be allocated.

**Funds:** The registered open-end management companies in which assets of the Separate Account may be invested. The Funds are offered exclusively as investment choices in variable insurance products issued by life insurance companies. They are not offered or made available directly to the public. These Funds may contain different investments than the similarly named mutual funds offered by the money manager; therefore, investment results may differ. Fund holdings and investment strategies are subject to change. Investments in some Funds may involve certain risks and may not be appropriate for all investors.

**Good Order:** Means all necessary documents and forms are complete and in our possession.

**Indebtedness:** All loans taken on the Policy, plus any interest due or accrued minus any loan repayments.

**Internal Revenue Code:** The Internal Revenue Code of 1986, as amended from time-to-time and the regulations promulgated thereunder.

**Licensed Health Care Practitioner:** Any physician (as defined in section 1861(r)(1) of the Social Security Act) and any registered professional nurse, licensed social worker or other individual who meets such requirements as may be prescribed by the Secretary of Treasury. The Licensed Health Care Practitioner: (1) must be acting within the scope of his or her license in the state of licensure when providing Written Certification or Written Re-Certification required by this rider; and (2) may not be you, the insured, or your or the insured's immediate family. **Licensed Health Care Practitioners that provide Diagnosis and Treatments to insured, must reside inside the United States.**

**LifeAccess Specified Percentage:** Equals 100% of the Eligible Amount, unless you have elected Death Benefit Option A at the time of application for the LifeAccess Accelerated Death Benefit rider, in which case you may have selected a percentage at that time, such percentage not to exceed 100% or result in a Lifetime Benefit Amount of less than our minimum rules then in effect. The LifeAccess Specified Percentage is shown in the Additional Benefits and Rider section of the Policy Specifications Pages and will remain fixed for the life of the rider.

**Lifetime Benefit Amount:** The maximum amount that may be accelerated during the lifetime of the insured and while the rider remains in effect. The Lifetime Benefit Amount is equal to: (1) the Eligible Amount; times (2) the LifeAccess Specified

------

**<u>[GLOSSARY](#ib3d5e05577b4484d87f19cafe5856f40_241)</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; <u>[**TABLE OF CONTENTS**](#ib3d5e05577b4484d87f19cafe5856f40_4)</u>**

Percentage. Acceleration of benefits will reduce the Lifetime Benefit Amount in accordance with the Impact of Rider Benefits on Policy and Rider provision. In addition, transactions made under the Policy, such as Face Amount increases and decreases and loans, will impact the Eligible Amount in the same manner that such transactions impact the Policy's Death Benefit.

**Loan Account:** An account established for any amounts transferred from the Fixed Account and Sub-Accounts as a result of loans. The amounts in the Loan Account are credited with interest and are not subject to the investment experience of any Sub-Accounts.

**Maturity Date:** The date on which your Policy matures and your Policy terminates.

**Maximum Monthly Benefit:** The maximum amount you are eligible to receive on a monthly basis upon our approval of your request.

**Monthly Activity Date:** The Policy Date and the same date in each succeeding month as the Policy Date. However, whenever the Monthly Activity Date falls on a date other than a Valuation Day, the Monthly Activity Date will be deemed to be the next Valuation Day.

**Monthly Benefit Amount:** The adjusted amount payable to you on a monthly basis upon our approval of your request, such amount never to exceed the Maximum Monthly Benefit.

**Monthly Deduction Amount:** The amount we will deduct each month from your Account Value to pay for the benefits provided by your Policy.

**Net Amount at Risk:** The difference between the Death Benefit and the Account Value.

**Net Premium:** The amount of premium credited to Account Value. It is premium paid minus the sales load and tax charge.

**No Lapse Guarantee:** A Policy feature that guarantees your Policy will not lapse regardless of Account Value as long as you meet the requirements of the guarantee.

**No Lapse Guarantee Period:** The length of time that the No Lapse Guarantee is available.

**No Lapse Guarantee Premium:** The amount of monthly premium required to keep the No Lapse Guarantee available, as shown in the Policy Specifications Pages, and used to calculate the Cumulative No Lapse Guarantee Premium.

**Physician:** A doctor of medicine or osteopathy legally authorized to practice medicine and surgery by the State in which he performs such function or action. For purposes of this definition, a "State" means each of the United States of America, the District of Columbia and the Commonwealth of Puerto Rico. The Physician may not be the Specified Insured, a member of the Specified Insured's immediate family or the Owner of the Policy.

**Plan of Care:** A written plan for care designed especially for the insured by a Licensed Health Care Practitioner specifying the Services needed by the Chronically Ill Insured.

**Planned Premium:** The amount that the Policy Owner intends to pay.

**Policy:** A legal contract between the Policy Owner and Talcott Resolution Life and Annuity Insurance Company that provides a Death Benefit payable to the beneficiary upon death of the insured in accordance with the Policy.

**Policy Anniversary:** The same date as the Policy Date in each later year.

**Policy Date:** The date the Policy is effective, as specified in the Policy.

**Policy Owner:** The owner or entity named as such in the Application who has all the rights stated in this Policy while the insured is living. You, your.

**Policy Year:** A year that starts on the Policy Date or on a Policy Anniversary.

**Primary Insured:** The "proposed insured 1" named in the Application.

**Proof of Diminished Life Expectancy:** You must supply Proof of Diminished Life Expectancy, without expense to us, with each request for an accelerated payment of the Death Benefit. Proof must include, but is not limited to, a statement by a Physician attesting to the Specified Insured's life expectancy, and must be in writing and satisfactory to us.

**Pro Rata Basis:** An allocation method based on the proportion of the Account Value in the Fixed Account and each Sub-Account.

**Separate Account:** An account which has been established by us to separate the assets funding the variable benefits for the class of contracts to which the Policy belongs from our other assets. The Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company (the "Account" or the "Registrant").

**Sub-Account:** A subdivision of the Separate Account.

**Substantial Assistance:** Stand-by or hands-on assistance from another person without which the insured receiving such assistance would be unable to perform the Activity for Daily Living. Stand-by assistance means the presence of another person within arm's reach of the insured that is necessary to prevent, by physical intervention, injury to the insured while he/she is performing the Activity for Daily Living. Hands-on assistance means the direct physical assistance of another person.

**Valuation Day:** The date on which a Sub-Account is valued. This occurs every day the NYSE is open for trading. Values of each Sub-Account are determined as of the close of the NYSE, generally 4:00 p.m. Eastern Time.

**Valuation Period:** The time span between the close of trading on the NYSE from one Valuation Day to the next.

**We, us, our:** Talcott Resolution Life and Annuity Insurance Company, or Prudential Insurance Company of America in its capacity as administrator, as the case may be.

**Written Certification:** Written documentation obtained by you, at your or the insured's expense, from a Licensed Health Care Practitioner certifying that the insured is Chronically Ill as defined herein and specifying that Services are likely to be needed for the rest of the insured's life. Such Written Certification must have been made within the 12-month period preceding the date of each request for an accelerated benefit.

**Written Re-Certification:** Written Certification that we will require from you at least annually prior to the start of each Benefit Period following the initial Benefit Period in order for you to be eligible for an accelerated benefit payment in such subsequent Benefit Period, provided all other conditions for eligibility for benefit payments are met. Such Written Re-Certification must have been made within the 12-month period preceding the date of each request for an accelerated benefit.

------

**Where You Can Find More Information**

The statement of additional information ("SAI") is incorporated by reference, therefore is legally a part of this prospectus, and both are filed with the SEC under the Securities Act of 1933, Registration No. 333-88787. The SAI contains reports and additional information about the Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company. The SEC maintains a website (http://www.sec.gov) that contains reports and other information about the Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: PublicInfo@SEC.gov.

You can call us at 800-231-5453 to ask us questions, request information about the Policy, and obtain copies of the SAI and personalized illustrations or other documents without charge. You can also view the SAI located with the prospectus at www.policyowner-services.com/productperformance, or request a copy by writing to us at: Talcott Resolution, P.O. Box 305034, Nashville, TN 37230-5034.

EDGAR Class/Contract Identifier: C000008327

Investment Company Act of 1940: Registration No. 811-07329

------

STATEMENT OF ADDITIONAL INFORMATION

***STAG PROTECTOR® II VARIABLE UNIVERSAL LIFE***

**SEPARATE ACCOUNT VL I OF TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY**

**TALCOTT RESOLUTION LIFE AND ANNUITY INSURANCE COMPANY**

ADMINISTERED BY:

**THE PRUDENTIAL INSURANCE COMPANY OF AMERICA** 

**751 BROAD STREET**

**NEWARK, NJ 07102**

**TELEPHONE: 800-231-5453** 

This statement of additional information is not a prospectus. The information contained in this document should be read in conjunction with the prospectus. To obtain a prospectus, call us at 800-231-5453 or go to www.policyowner-services.com/productperformance.

The date of this statement of additional information and of the related prospectuses is May 1, 2026.

***Talcott Resolution Life and Annuity Insurance Company no longer offers these Policies for sale.***

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| | **Page** |
| **<u>[GENERAL INFORMATION AND HISTORY](#i139a5578c4bf401e8bc3b3b9474d86fe_7)</u>** | **<u>[2](#i139a5578c4bf401e8bc3b3b9474d86fe_7)</u>** |
| <u>[Description of Talcott Resolution Life and Annuity Insurance Company](#i139a5578c4bf401e8bc3b3b9474d86fe_10)</u> | <u>[2](#i139a5578c4bf401e8bc3b3b9474d86fe_10)</u> |
| <u>[Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company](#i139a5578c4bf401e8bc3b3b9474d86fe_13)</u> | <u>[2](#i139a5578c4bf401e8bc3b3b9474d86fe_13)</u> |
| <u>[Control of Talcott Resolution Life and Annuity Insurance Company](#i139a5578c4bf401e8bc3b3b9474d86fe_16)</u> | <u>[2](#i139a5578c4bf401e8bc3b3b9474d86fe_16)</u> |
| **<u>[NON-PRINCIPAL RISKS OF INVESTING IN THE POLICY](#i139a5578c4bf401e8bc3b3b9474d86fe_22)</u>** | **<u>[2](#i139a5578c4bf401e8bc3b3b9474d86fe_22)</u>** |
| **<u>[SERVICES](#i139a5578c4bf401e8bc3b3b9474d86fe_19)</u>** | **<u>[3](#i139a5578c4bf401e8bc3b3b9474d86fe_19)</u>** |
| <u>[Experts](#i139a5578c4bf401e8bc3b3b9474d86fe_153)</u> | <u>[3](#i139a5578c4bf401e8bc3b3b9474d86fe_153)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT OPERATION OF POLICIES AND REGISTRANT](#i139a5578c4bf401e8bc3b3b9474d86fe_25)</u>** | **<u>[3](#i139a5578c4bf401e8bc3b3b9474d86fe_25)</u>** |
| <u>[Legal Considerations Relating To Sex-Distinct Premiums And Benefits](#i139a5578c4bf401e8bc3b3b9474d86fe_28)</u> | <u>[3](#i139a5578c4bf401e8bc3b3b9474d86fe_28)</u> |
| <u>[Reports to Policy Owners](#i139a5578c4bf401e8bc3b3b9474d86fe_31)</u> | <u>[3](#i139a5578c4bf401e8bc3b3b9474d86fe_31)</u> |
| **<u>[UNDERWRITERS](#i139a5578c4bf401e8bc3b3b9474d86fe_34)</u>** | **<u>[4](#i139a5578c4bf401e8bc3b3b9474d86fe_34)</u>** |
| **<u>[ADDITIONAL INFORMATION ABOUT CHARGES](#i139a5578c4bf401e8bc3b3b9474d86fe_37)</u>** | **<u>[4](#i139a5578c4bf401e8bc3b3b9474d86fe_37)</u>** |
| <u>[Sales Load](#i139a5578c4bf401e8bc3b3b9474d86fe_40)</u> | <u>[4](#i139a5578c4bf401e8bc3b3b9474d86fe_40)</u> |
| <u>[Reduced Charges for Eligible Groups](#i139a5578c4bf401e8bc3b3b9474d86fe_43)</u> | <u>[4](#i139a5578c4bf401e8bc3b3b9474d86fe_43)</u> |
| <u>[Underwriting Procedures](#i139a5578c4bf401e8bc3b3b9474d86fe_46)</u> | <u>[4](#i139a5578c4bf401e8bc3b3b9474d86fe_46)</u> |
| **<u>[FINANCIAL STATEMENTS](#i139a5578c4bf401e8bc3b3b9474d86fe_49)</u>** | **<u>[5](#i139a5578c4bf401e8bc3b3b9474d86fe_49)</u>** |

---

------

**<u>[**TABLE OF CONTENTS**](#i139a5578c4bf401e8bc3b3b9474d86fe_4)</u>**

**GENERAL INFORMATION AND HISTORY**

**Description of Talcott Resolution Life and Annuity Insurance Company**

Talcott Resolution Life and Annuity Insurance Company ("Talcott", "TLA", "the Company", "us", "we", or "our") is a stock life insurance company originally incorporated under the laws of Wisconsin on January 9, 1956, and subsequently re-domiciled to Connecticut. Talcott Resolution Life and Annuity Insurance Company is authorized to do business in Puerto Rico, the District of Columbia, and all states of the United States except New York. In June 2018, the Company changed its name from Hartford Life and Annuity Insurance Company to Talcott Resolution Life and Annuity Insurance Company. Our corporate offices are located at 1 American Row, Hartford, CT 06103.

**Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company**

We have established as a Separate Account, the Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company (the "Account" or the "Registrant") to hold the assets that are associated with the Policies. The Account was established on June 8, 1995 under Connecticut law and is registered with the SEC under the Investment Company Act of 1940 as a unit investment trust, which is a type of investment company. The Account meets the definition of a "Separate Account" under the federal securities laws.

Title to the assets of the Separate Account is held by Talcott. The assets are kept physically segregated and are held separate and apart from Talcott's general corporate assets. Records are maintained of all purchases and redemptions of Fund shares held in each of the Sub-Accounts.

**Control of Talcott Resolution Life and Annuity Insurance Company**

Talcott Resolution Life and Annuity Insurance Company is a direct, wholly owned subsidiary of TR Re, Ltd., an approved Class E insurer under the Bermuda Monetary Authority. TR Re, Ltd., is a direct, wholly owned subsidiary of Talcott Resolution Life, Inc., a Delaware corporation. Our indirect parents are Talcott Resolution Life, Inc., a Delaware corporation and Talcott Holdings, L.P., a Delaware limited partnership. Our ultimate parent is Talcott Financial Group Investments, LLC. ("TFGI"), a Bermuda exempted limited liability company. We are ultimately controlled by A. Michael Muscolino and Alan Waxman.

**NON-PRINCIPAL RISKS OF INVESTING IN THE POLICY**

With the increasing use of technology and computer systems in general and, in particular, the internet to conduct necessary business functions, we are susceptible to operational, information security and related risks. These risks, which are often collectively referred to as "cyber security" risks, may include deliberate or malicious attacks, as well as unintentional events and occurrences. These risks are heightened by our offering of products with certain features, including those with automatic asset transfer or re-allocation strategies, and by our employment of complex investment, trading and hedging programs. Cyber security is generally defined as the technology, operations and related protocol surrounding and protecting a user's computer hardware, network, systems and applications and the data transmitted and stored therewith. These measures ensure the reliability of a user's systems, as well as the security, availability, integrity, and confidentiality of data assets.

Deliberate cyber-attacks can include, but are not limited to, gaining unauthorized access (including physical break-ins and attempts to fraudulently induce employees, customers or other users of these systems to disclose sensitive information in order to gain access) to computer systems in order to misappropriate and/or disclose sensitive or confidential information; deleting, corrupting or modifying data; and causing operational disruptions. Cyber-attacks may also be carried out in a manner that does not require gaining unauthorized access, such as causing denial-of-service attacks on websites (in order to prevent access to computer networks). In addition to deliberate breaches engineered by external actors, cyber security risks can also result from the conduct of malicious, exploited or careless insiders, whose actions may result in the destruction, release or disclosure of confidential or proprietary information stored on an organization's systems.

We are also subject to risks related to disasters and other events, such as storms, earthquakes, fires, outbreaks of infectious diseases (such as COVID-19), utility failures, terrorist acts, political and social developments, and military and governmental actions. These risks are often collectively referred to as "business continuity" risks. These events could adversely affect us and our ability to conduct business and process transactions. Although we have business continuity plans, it is possible that the plans may not operate as intended or required and that we may not be able to provide required services, process transactions, deliver documents or calculate values. It is also possible that service levels may decline as a result of such events.

Cyber security events, disasters, and similar events, whether deliberate or unintentional, that could impact us and our Policy Owners could arise not only in connection with our own administration of the Policy, but also with entities operating the Policy's Funds and with third-party service providers to us. Cyber security and other events affecting any of the entities involved with the offering and administration of the Policy may cause significant disruptions in the business operations related to the Policy. Potential impacts may include, but are not limited to, potential financial losses under the Policy, your inability to conduct transactions under the Policy and/or with respect to a Fund, an inability to calculate unit values with respect to the Policy and/or the net asset value ("NAV") with respect to a Fund, and disclosures of your personal or confidential account information.

In addition to direct impacts to you, cyber security and other events described above may result in adverse impacts to us, including regulatory inquiries, regulatory proceedings, regulatory and/or legal and litigation costs, and reputational damage. Costs incurred by us may include reimbursement and other expenses, including the costs of litigation and litigation settlements and additional

------

**<u>[**TABLE OF CONTENTS**](#i139a5578c4bf401e8bc3b3b9474d86fe_4)</u>**

compliance costs. Considerable expenses also may be incurred by us in enhancing and upgrading computer systems and systems security following a cyber security failure or responding to a disaster or similar event.

The rapid proliferation of technologies, as well as the increased sophistication and activities of organized crime, hackers, terrorists, hostile foreign governments, and others continue to pose new and significant cyber security threats. In addition, the global spread of COVID-19 has caused us and our service providers to implement business continuity plans, including widespread use of work-from-home arrangements. There may also be an increased risk of cyber-attacks during periods of geopolitical or military conflict (such as Russia's invasion of Ukraine and the resulting response by the United States and other countries). Although we, our service providers, and the Funds offered under the Policy may have established business continuity plans and risk management systems to mitigate risks, there can be no guarantee or assurance that such plans or systems will be effective, or that all risks that exist, or may develop in the future, have been completely anticipated and identified or can be protected against. Furthermore, we cannot control or assure the efficacy of the cyber security and business continuity plans and systems implemented by third-party service providers, the Funds, and the issuers in which the Funds invest.

**SERVICES**

On January 2, 2013, The Hartford Financial Services Group (then the ultimate parent company of Talcott Resolution Life Insurance Company) entered into agreements with The Prudential Insurance Company of America ("Prudential") under which Prudential will reinsure the obligations of Talcott under the variable life insurance Policies and provide administration for the Policies. Prudential is a New Jersey domiciled life insurance company with offices located in Newark, New Jersey. Prudential's mailing address is 213 Washington Street, Newark, NJ 07102. Prudential is ultimately controlled by Prudential Financial, Inc.

**Experts**

The statutory-basis financial statements and the related financial statement schedules of Talcott Resolution Life and Annuity Insurance Company as of December 31, 2025 and 2024, and each of the three years in the period ended December 31, 2025, incorporated by reference in this Statement of Additional Information, have been audited by Deloitte & Touche LLP, an independent auditor, as stated in their report, which expresses an unmodified opinion on the statutory-basis financial statements in accordance with the accounting practices prescribed or permitted by the Connecticut Insurance Department and an adverse opinion on the accounting principles generally accepted in the United States of America. Such financial statements and financial statement schedules are incorporated by reference in reliance upon the report of such firm given their authority as experts in accounting and auditing. The principal business address of Deloitte & Touche LLP is City Place I, 33 <sup>rd</sup> Floor, 185 Asylum Street, Hartford, Connecticut 06103-3402.

The financial statements of each of the Sub-Accounts of Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company as of December 31, 2025, incorporated by reference in this Statement of Additional Information, have been audited by Deloitte & Touche LLP, an independent registered public accounting firm, as stated in their report. Such financial statements are incorporated by reference in reliance upon the report of such firm given their authority as experts in accounting and auditing. The principal business address of Deloitte & Touche LLP is City Place I, 33 <sup>rd</sup> Floor, 185 Asylum Street, Hartford, Connecticut 06103-3402.

**ADDITIONAL INFORMATION ABOUT OPERATION OF POLICIES AND REGISTRANT**

**Legal Considerations Relating To Sex-Distinct Premiums And Benefits**

The Policy generally employs mortality tables that distinguish between males and females. Thus, premiums and benefits differ under Policies issued on males and females of the same age. However, in those states that have adopted regulations prohibiting sex-distinct insurance rates, premiums and cost of insurance charges will be based on male rates, whether the insureds are male or female. In addition, employers and employee organizations considering purchase of a Policy should consult their legal advisers to determine whether purchase of a Policy based on sex-distinct actuarial tables is consistent with Title VII of the Civil Rights Act of 1964 or other applicable law.

**Reports to Policy Owners**

We will send you a statement at least once each year, showing: the current Account Value, Cash Surrender Value and Face Amount; the premiums paid, Monthly Deduction Amounts and any loans since your last statement; the amount of any Indebtedness; any notifications required by the provisions of your Policy; and any other information required by the Insurance Department of the state where your Policy was delivered.

We also make available annual and semi-annual reports of the Funds showing the financial condition of the Funds and the investments held in each Fund. The most recent annual and semi-annual reports are available at www.policyowner-services.com or by calling 800-231-5453.

------

**<u>[**TABLE OF CONTENTS**](#i139a5578c4bf401e8bc3b3b9474d86fe_4)</u>**

**UNDERWRITERS**

Effective May 1, 2014, Pruco Securities, LLC ("Pruco Securities"), an indirect wholly owned subsidiary of Prudential Financial, acts as the principal underwriter of all Policies offered through this registration statement. Pruco Securities, organized as an LLC on September 22, 2003 under New Jersey law, is registered as a broker and dealer under the Securities Exchange Act of 1934 and is a registered member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). (Pruco Securities is a successor company to Pruco Securities Corporation, established on February 22, 1971). Pruco Securities' principal business address is 751 Broad Street, Newark, New Jersey 07102.

Pruco Securities received gross distribution revenue for its variable life insurance products of $425,244,693 in 2025, $575,994,944 in 2024, and $480,489,201 in 2023. Pruco Securities passes through the gross distribution revenue it receives to broker-dealers for their sales and does not retain any portion of it in return for its services as distributor for the Policies. However, under a strategic relationship with an unaffiliated broker-dealer, Pruco Securities receives a portion of compensation with respect to sales of its variable life insurance products. Pruco Securities retained compensation of $0 in 2025, $4,278,834 in 2024, and $4,084,003 in 2023.

The Policies are sold by salespersons who are financial professionals registered with broker-dealers who have entered into sales agreements with Pruco Securities. The salespersons are compensated for the sale by registered broker-dealers according to sales agreements between the salesperson and the broker-dealer. The commissions paid to the salespersons vary according to the terms of the sales agreement between the salesperson and the broker-dealer.

Pruco Securities may pay alternative amounts for sales of the Policies under a flexible compensation plan, but the maximum value of any alternative amounts we pay is expected to be equivalent over time to the amounts described above.

Your registered financial professional receives a portion of the compensation that is payable to his or her broker-dealer in connection with the Policy, depending on the agreement between your financial professional and his or her firm. Neither Talcott Resolution Life and Annuity nor Prudential is involved in determining the compensation of your financial professional. That compensation arrangement may present its own incentives or conflicts. You may ask your financial professional how he/she will personally be compensated for the transaction.

In addition to the commissions, Talcott Resolution Life and Annuity and/or an affiliate pay to broker-dealers additional amounts as general marketing allowances. Such payments may offset the broker-dealer's expenses in connection with activities that it is required to perform. Such payments may give Talcott greater access to financial professionals of the broker-dealers that receive such compensation.

All of the compensation described in this section may be more or less than the overall compensation on similar or other products and may influence your financial professional or broker-dealer to present this Policy over other policies or over other investment options. You may ask your financial professional about these differing and divergent interests and how he/she and his/her broker-dealer are compensated for selling the Policy.

These other compensation payments, which may be different for different broker-dealers, will be made by Talcott Resolution Life and Annuity out of its assets and are not direct deductions from the Policy Values.

**ADDITIONAL INFORMATION ABOUT CHARGES** 

**Sales Load**

The front-end load is calculated as a percentage of each premium paid into the Policy and may vary by Policy Year. The front-end load under the Policies may be used to cover expenses related to the sale and distribution of the Policies. Refer to prospectus for applicable sales load.

**Reduced Charges for Eligible Groups**

Certain charges and deductions described above may be reduced for Policies issued in connection with a specific plan, in accordance with our rules in effect as of the date the Application for a Policy is approved. To qualify for such a reduction, a plan must satisfy certain criteria, i.e., as to size of the plan, expected number of participants and anticipated premium payment from the plan. Generally, the sales contacts and effort, administrative costs and mortality cost per Policy vary, based on such factors as the size of the plan, the purposes for which Policies are purchased and certain characteristics of the plan's members. The amount of reduction and the criteria for qualification will be reflected in the reduced sales effort and administrative costs resulting from, and the different mortality experience expected as a result of, sales to qualifying plans. We may modify, from time to time on a uniform basis, both the amounts of reductions and the criteria for qualification. Reductions in these charges will not be unfairly discriminatory against any person, including the affected Policy Owners invested in the Separate Account.

**Underwriting Procedures**

To purchase a Policy you must submit an Application to us. Within limits, you may choose the initial Face Amount. Policies generally will be issued only on the lives of insureds the ages of 0 to 85 who supply evidence of insurability satisfactory to us. Acceptance is subject to our underwriting rules and we reserve the right to reject an Application for any reason.

Cost of insurance rates will be determined on each Policy Anniversary based on our future expectations of such factors as mortality, expenses, interest, persistency and taxes. For preferred and standard risks, the cost of insurance rate will not exceed those based on the 1980 Commissioners' Standard Ordinary Mortality Table (ALB), Male or Female, Non-Smoker and Smoker, age last birthday

------

**<u>[**TABLE OF CONTENTS**](#i139a5578c4bf401e8bc3b3b9474d86fe_4)</u>**

(unisex rates may be required in some states). A table of guaranteed cost of insurance rates per $1,000 will be included in your Policy, however, we reserve the right to use rates less than those shown in the table. Special risk classes are used when mortality experience in excess of the standard risk classes is expected. These substandard risks will be charged a higher cost of insurance rate that will not exceed rates based on a multiple of 1980 Commissioners' Standard Ordinary Mortality Table (ALB), Male or Female, Non-Smoker and Smoker, age last birthday (unisex rates may be required in some states) plus any flat extra amount assessed. The multiple will be based on the insured's substandard rating.

No change in the terms or conditions of a Policy will be made without your consent. We are no longer accepting new Applications for this Policy.

**FINANCIAL STATEMENTS**

The financial statements of the Company only bear on the Company's ability to meet its obligations under the Policies and should not be considered as bearing on the investment performance of the Separate Account. The financial statements of the Separate Account present the investment performance of the Separate Account.

**<u>[The financial statements of the Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company and of Talcott Resolution Life and Annuity Insurance Company are hereby incorporated by reference to Form N-VPFS dated April](https://www.sec.gov/Archives/edgar/data/1017963/000101796326000005/a2025_tlavl1xtlaxnvpfs.htm)[1](https://www.sec.gov/Archives/edgar/data/1017963/000101796326000005/a2025_tlavl1xtlaxnvpfs.htm)[7](https://www.sec.gov/Archives/edgar/data/1017963/000101796326000005/a2025_tlavl1xtlaxnvpfs.htm)[,](https://www.sec.gov/Archives/edgar/data/1017963/000101796326000005/a2025_tlavl1xtlaxnvpfs.htm)[202](https://www.sec.gov/Archives/edgar/data/1017963/000101796326000005/a2025_tlavl1xtlaxnvpfs.htm)[6](https://www.sec.gov/Archives/edgar/data/1017963/000101796326000005/a2025_tlavl1xtlaxnvpfs.htm)</u> .**

------

**OTHER INFORMATION**

**Item 30. Exhibits**

---

| | | |
|:---|:---|:---|
| **Exhibit Number** | **Description of Exhibit** | **Description of Exhibit** |
| (a) | Board of Directors Resolution: | Board of Directors Resolution: |
| (i) | (i) | <u>[Resolution of the Board of Directors of Talcott Resolution Life and Annuity Insurance Company ("Talcott") authorizing of the Separate Account.](https://www.sec.gov/Archives/edgar/data/1017963/000101796321000015/trlavliboardresolutionesta.htm)</u> (Note 1) |
| (b) | Custodian Agreements: | Custodian Agreements: |
|  |  | *Not Applicable.* |
| (c) | Underwriting Contracts: | Underwriting Contracts: |
| (i) |  | <u>[Principal Underwriter Agreement.](hartfordprincipalunderwrit.htm)</u> (Filed Herewith) |
| (d) | Contracts: | Contracts: |
| (i) | (i) | <u>[Form of Flexible Premium Variable Life Insurance Policy.](https://www.sec.gov/Archives/edgar/data/1017963/000104746903037844/a2121135zex-1_1.txt)</u> (Note 3) |
| (ii) | (ii) | <u>[Accidental Death Benefit Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1a.txt)</u> (Note 8) |
| (iii) | (iii) | <u>[Child Insurance Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1b.txt)</u> (Note 8) |
| (iv) | (iv) | <u>[Cost of Living Adjustment Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1c.txt)</u> (Note 8) |
| (v) | (v) | <u>[Deduction Amount Waiver Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1d.txt)</u> (Note 8) |
| (vi) | (vi) | <u>[Enhanced No-Lapse Guarantee Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1e.txt)</u> (Note 8) |
| (vii) | (vii) | <u>[Life Access Accelerated Benefit Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1f.txt)</u> (Note 8) |
| (viii) | (viii) | <u>[Lifetime No-Lapse Guarantee Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1g.txt)</u> (Note 8) |
| (ix) | (ix) | <u>[Policy Continuation Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1h.txt)</u>(Note 8) |
| (x) | (x) | <u>[Term Insurance Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1i.txt)</u> (Note 8) |
| (xi) | (xi) | <u>[Waiver of Specified Amount Disability Benefit Rider](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d1j.txt)</u> (Note 8) |
| (xii) | (xii) | <u>[Accelerated Death Benefit Rider for Terminal Illness](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d1a.txt)</u> (Note 11) |
| (e) | Applications: | Applications: |
| (i) | (i) | <u>[Form of Application for Flexible Premium Variable Life Insurance Policies.](https://www.sec.gov/Archives/edgar/data/1017963/000101796321000015/higapplicationflexibleprem.htm)</u> (Note 1) |
| (ii) | (ii) | <u>[Supplemental Form of Application for Flexible Premium Variable Life Insurance Policies.](https://www.sec.gov/Archives/edgar/data/893748/000110465906082510/a06-21285_1ex99d1d1.txt)</u> (Note 5) |
| (f) | Depositor's Certificate of Incorporation and By-Laws: | Depositor's Certificate of Incorporation and By-Laws: |
| (i) | (i) | <u>[Certificate of Incorporation of Talcott, as amended June 1, 2018.](https://www.sec.gov/Archives/edgar/data/1084147/000162828018008614/ex6atla.htm)</u> (Note 12) |
| (ii) | (ii) | <u>[By-laws of Talcott, as amended and restated June 1, 2018.](https://www.sec.gov/Archives/edgar/data/1084147/000162828018008614/ex6btlaarbylaws.htm)</u> (Note 12) |
| (g) | Reinsurance Contracts: | Reinsurance Contracts: |
| (i) | (i) | <u>[Canada Life Assurance Company](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d2a.txt)</u> (Note 8) |
| (ii) | (ii) | <u>[Amendments Nos. 5, 7, 8, 9](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031244/a13-3053_1ex99dg1i.txt)</u> (Note 10) |
| (iii) | (iii) | <u>[Amendments Nos. 4 through 6](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031244/a13-3053_1ex99dg1ii.txt)</u> (Note 10) |
| (iv) | (iv) | <u>[Employers Reassurance Corporation](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d2b.txt)</u> (Note 8) |
| (v) | (v) | <u>[Amendment No.](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031244/a13-3053_1ex99dg2i.txt)[5](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031244/a13-3053_1ex99dg2i.txt)</u> (Note 10) |
| (vi) | (vi) | <u>[RGA Reinsurance Company](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d2c.txt)</u> (Note 8) |
| (vii) | (vii) | <u>[Security Life of Denver Insurance Company](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d2d.txt)</u> (Note 8) |
| (viii) | (viii) | <u>[Swiss RE Life & Health American, Inc.](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d2e.txt)</u> (Note 8) |
| (ix) | (ix) | <u>[Amendments Nos. 10 through 13](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031244/a13-3053_1ex99dg5i.txt)</u> (Note 10) |
| (x) | (x) | <u>[Transamerica Financial Life Insurance Company](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d2f.txt)</u> (Note 8) |
| (xi) | (xi) | <u>[Amendment Nos. 7 through 14](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031244/a13-3053_1ex99dg6i.txt)</u> (Note 10) |

---

------

---

| | | |
|:---|:---|:---|
| (xii) | (xii) | <u>[Transamerica Occidental Insurance Company](https://www.sec.gov/Archives/edgar/data/1017963/000110465912027278/a12-4077_1ex99d1d2g.txt)</u> (Note 8) |
| (xiii) | (xiii) | <u>[Amendment Nos. 17 through 21](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031244/a13-3053_1ex99dg7i.txt)</u> (Note 10) |
| (xiv) | (xiv) | <u>[The Prudential Insurance Company of America](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031244/a13-3053_1ex99dg8.txt)</u> (Note 10) |
| (h) | Participation Agreements: | Participation Agreements: |
| (i) | (i) | <u>[Participation Agreement between The Prudential Insurance Company of America and Black Rock Variable Series Funds, Inc.](https://www.sec.gov/Archives/edgar/data/1017963/000101796322000012/blackrockparticipationagre.htm)</u> (Note 13) |
| (ii) | (ii) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and AllianceBernstein Variable Products Series, Inc.](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3a.txt)</u> (Note 11) |
| (iii) | (iii) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and American Funds Insurance Series](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3b.txt)</u> (Note 11) |
| (iv) | (iv) | <u>[Amendment #6 to the Participation Agreement between Talcott and American Funds Insurance Series.](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031243/a13-3045_1ex99dh2i.txt)</u> (Note 7) |
| (v) | (v) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and Fidelity Variable Insurance Products](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3c.txt)</u> (Note 11) |
| (vi) | (vi) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and Franklin Templeton Variable Products Trust](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3d.txt)</u> (Note 11) |
| (vii) | (vii) | <u>[Amendment #10 to the Participation Agreement between Talcott and Franklin Templeton Variable Products Trust](https://www.sec.gov/Archives/edgar/data/1017963/000101796323000012/amendment10tofranklinparti.htm)</u> (Note 14) |
| (viii) | (viii) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and Hartford Series Fund, Inc. and Hartford Series Fund II, Inc.](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3e.txt)</u> (Note 11) |
| (ix) | (ix) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and Invesco Variable Insurance Funds (formerly AIM Variable Insurance Funds)](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3f.txt)</u> (Note 11) |
| (x) | (x) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and Lord Abbett Series Fund, Inc.](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3g.txt)</u> (Note 11) |
| (xi) | (xi) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and MFS Variable Insurance Trust](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3h.txt)</u> (Note 11) |
| (xii) | (xii) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and Oppenheimer Variable Account Funds](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3i.txt)</u> (Note 11) |
| (xiii) | (xiii) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and Putnam Variable Trust](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3j.txt)</u> (Note 11) |
| (xiv) | (xiv) | <u>[Amendment to Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and Putnam Variable Trust](https://www.sec.gov/Archives/edgar/data/1017963/000101796324000028/amendmenttoputnamparticipa.htm)</u> (Note 15) |
| (xv) | (xv) | <u>[Participation Agreement between Talcott (formerly Hartford Life Insurance Company) and Morgan Stanley Universal Funds, Inc.](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d3k.txt)</u> (Note 11) |
| (xvi) | (xvi) | <u>[Guarantee Agreement, between Hartford Life and Accident Insurance Company and ITT Hartford Life and Annuity Insurance Company, its wholly owned subsidiary, dated as of August 20, 1993 and effective as of August 20, 1993.](https://www.sec.gov/Archives/edgar/data/1084147/000110465910024569/a09-33855_1ex99d8b.txt)</u> (Note 6) |
| (xvii) | (xvii) | <u>[Guarantee Agreement, between Hartford Life Insurance Company and ITT Hartford Life and Annuity Insurance Company, dated as of May 23, 1997.](https://www.sec.gov/Archives/edgar/data/1084147/000110465910024569/a09-33855_1ex99d8c.txt)</u> (Note 6) |
| (i) | Administrative Contracts: | Administrative Contracts: |
| (i) | (i) | <u>[Service Agreement between Prudential and BlackRock Advisors, LLC](https://www.sec.gov/Archives/edgar/data/1017963/000101796322000012/blackrockserviceagreement.htm)</u> (Note 13) |
| (ii) | (ii) | <u>[Service Agreement between Talcott (formerly Hartford Life Insurance Company) and Fidelity Variable Insurance Products](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d4a.txt)</u> (Note 11) |
| (iii) | (iii) | <u>[Service Agreement between Talcott (formerly Hartford Life Insurance Company) and Franklin Templeton](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d4b.txt)</u> (Note 11) |
| (iv) | (iv) | <u>[Service Agreement between Talcott (formerly Hartford Life Insurance Company) and HL Investment Advisers, LLC](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d4c.txt)</u> (Note 11) |
| (v) | (v) | <u>[Service Agreement between Talcott (formerly Hartford Life Insurance Company) and Invesco Variable Insurance Funds (formerly AIM Advisors, Inc.)](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d4d.txt)</u> (Note 11) |
| (vi) | (vi) | <u>[Service Agreement between Talcott (formerly Hartford Life Insurance Company) and Lord Abbett Series Fund, Inc.](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d4e.txt)</u> (Note 11) |
| (vii) | (vii) | <u>[Service Agreement between Talcott (formerly Hartford Life Insurance Company) and Morgan Stanley Asset Management Inc.](https://www.sec.gov/Archives/edgar/data/893748/000110465912027351/a12-5651_1ex99d1d4f.txt)</u> (Note 11) |

---

------

---

| | | |
|:---|:---|:---|
| (viii) | (viii) | <u>[Service Agreement between Talcott (formerly Hartford Life Insurance Company) and The Prudential Insurance Company of America](https://www.sec.gov/Archives/edgar/data/1017963/000110465913031243/a13-3045_1ex99di7.txt)</u> (Note 9) |
| (j) | Other Material Contracts: | Other Material Contracts: |
|  |  | *Not Applicable.* |
| (k) | Legal Opinion: | Legal Opinion: |
| (i) | (i) | <u>[Opinion and consent of Christopher M. Grinnell, Vice President and Associate General Counsel](a333-88787legalconsentlett.htm)</u> (Filed Herewith) |
| (l) | Actuarial Opinion: | Actuarial Opinion: |
|  |  | *Not Applicable.* |
| (m) | Calculation: | Calculation: |
|  |  | *Not Applicable.* |
| (n) | Other Opinions: | Other Opinions: |
| (i) | (i) | <u>[Consent of Deloitte & Touche LLP, Independent Registered Public Accounting Firm](auditorconsent-stagprotect.htm)</u> (Filed Herewith) |
| (ii) | (ii) | <u>[Consent of Deloitte & Touche LLP, Independent Auditors](companyconsent-stagprotect.htm)</u>(Filed Herewith) |
| (iii) | (iii) | <u>[Powers of Attorney: Oliver Jakob, James O'Grady, Lisa M. Proch, and Lindsay Mastroianni.](https://www.sec.gov/Archives/edgar/data/1017963/000101796325000008/trla_poa.htm)</u> (Note 16) |
| (o) | Omitted Financial Statements: | Omitted Financial Statements: |
|  |  | *Not Applicable.* |
| (p) | Initial Capital Agreements: | Initial Capital Agreements: |
|  |  | *Not Applicable.* |
| (q) | Redeemability Exemption: | Redeemability Exemption: |
| (i) | (i) | <u>[Memorandum describing transfer and redemption procedures.](talcott30qnewn-6combined.htm)</u> (Filed Herewith) |
| (r) | Form of Initial Summary Prospectuses: | Form of Initial Summary Prospectuses: |
|  |  | *Not Applicable.* |

---

------

---

| | |
|:---|:---|
| (Note 1) | Incorporated by reference to Post-Effective Amendment No. 40 to the Registration Statement on Form N-6, File No. 333-88787, filed with the Securities and Exchange Commission on April 29, 2021. |
| (Note 2) | Incorporated by reference to Post-Effective Amendment No. 9 to the Registration Statement on Form N-6, File No. 333-148814, filed with the Securities and Exchange Commission on April 23, 2012. |
| (Note 3) | Incorporated by reference to Post-Effective Amendment No. 7 to the Registration Statement File No. 333-88787, Filed on November 19, 2003. |
| (Note 4) | Incorporated by reference to Post-Effective Amendment No. 15 to the Registration Statement on Form N-6, File No. 333-148815, filed with the Securities and Exchange Commission on October 5, 2021. |
| (Note 5) | Incorporated by reference to Post-Effective Amendment No. 11 to the Registration Statement on Form N-6, File No. 333-109529, filed with the Securities and Exchange Commission on December 19, 2006. |
| (Note 6) | Incorporated by reference to Post-Effective Amendment No. 9, to the Registration Statement on Form N-4, File No. 333-148565, filed on May 3, 2010. |
| (Note 7) | Incorporated by reference to Post-Effective Amendment No. 39 to the Registration Statement on Form N-6, File No. 333-07471, filed with the Securities and Exchange Commission on April 22, 2013. |
| (Note 8) | Incorporated by reference to Post-Effective Amendment No. 27 to the Registration Statement on Form N-6, File No. 333-88787, filed with the Securities and Exchange Commission on April 23, 2012. |
| (Note 9) | Incorporated by reference to Post-Effective Amendment No. 10 to the Registration Statement on Form N-6, File No. 333-148814, filed with the Securities and Exchange Commission on April 22, 2013. |
| (Note 10) | Incorporated by reference to Post-Effective Amendment No. 28 to the Registration Statement on Form N-6, File No. 333-88787, filed with the Securities and Exchange Commission on April 22, 2013. |
| (Note 11) | Incorporated by reference to Post-Effective Amendment No. 21 to the Registration Statement on Form N-6, File No. 333-109529, filed with the Securities and Exchange Commission on April 23, 2012. |
| (Note 12) | Incorporated by reference to Post-Effective Amendment No. 16 to the Registration Statement on Form N-4, File No. 333-148561, filed with the Securities and Exchange Commission on June 28, 2018. |
| (Note 13) | Incorporated by reference to Post-Effective Amendment No. 31 to the Registration Statement on Form N-6, File No. 333-88787, filed with the Securities and Exchange Commission on April 21, 2022. |
| (Note 14) | Incorporated by reference to Post-Effective Amendment No. 32 to the Registration Statement on Form N-6, File No. 333-88787, filed with the Securities and Exchange Commission on April 27, 2023. |
| (Note 15) | Incorporated by reference to Post-Effective Amendment No. 33 to the Registration Statement on Form N-6, File No. 333-88787, filed with the Securities and Exchange Commission on April 25, 2024. |
| (Note 16) | Incorporated by reference to Post-Effective Amendment No. 34 to the Registration Statement on Form N-6, File No. 333-88787, filed with the Securities and Exchange Commission on April 24, 2025. |

---

------

**Item 31. Directors and Officers of Talcott Resolution Life and Annuity Insurance Company (Depositor)**

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position and Offices with Talcott** |
| David Bell | Assistant Secretary and Chief Information Security Officer |
| Ellen Below | Executive Vice President, Chief Communications Officer and Head of Community Involvement |
| John B. Brady | Vice President and Chief Actuary, Appointed Actuary |
| Christopher S. Conner | Assistant Vice President, Chief Compliance Officer of Separate Accounts, AML Compliance Officer and Sanctions Compliance Officer |
| Christopher B. Cramer | Executive Vice President, Corporate Secretary and Chief Tax Officer |
| Christopher J. Dagnault | Vice President |
| Glenn Gazdik | Vice President and Actuary |
| Salvatore Gianone | Vice President and Chief Auditor |
| Emily Golovicher | Vice President |
| Christopher M. Grinnell | Vice President and Associate General Counsel |
| Oliver Jakob | Director |
| Donna R. Jarvis | Vice President and Actuary |
| James Kosinski | Vice President and Chief Risk Officer |
| Diane Krajewski | Vice President, Chief Human Resources Officer and Head of Operations |
| Edward Krause | Vice President |
| Jessica Kubat | Vice President |
| Lindsay Mastroianni | Vice President and Controller |
| James O'Grady | Executive Vice President and Chief Investment Officer, Director |
| Lisa M. Proch | Executive Vice President, Chief Legal Officer and Chief Compliance Officer, Director |
| Samir Srivastava | Vice President and Chief Information Officer |
| Unless otherwise indicated, the principal business address of each of the above individuals is 1 American Row, Hartford, CT 06103. | Unless otherwise indicated, the principal business address of each of the above individuals is 1 American Row, Hartford, CT 06103. |

---

**Item 32. Persons Controlled by or Under Common Control with the Depositor or the Registrant**

<u>[Filed herein as Exhibit 32.1](talcottorganizationalchart.htm)</u>

**Item 33. Indemnification** 

Section 33-776 of the Connecticut General Statutes states that: "a corporation may provide indemnification of, or advance expenses to, a director, officer, employee or agent only as permitted by sections 33-770 to 33-779, inclusive."

Provision is made that the Corporation, to the fullest extent permissible by applicable law as then in effect, shall indemnify any individual who is a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative, arbitrative or investigative, and whether formal or informal (each, a "Proceeding") because such individual is or was (i) a Director, or

(ii) an officer or employee of the Corporation (for purposes of the by laws, each an "Officer"), against obligations to pay judgments, settlements, penalties, fines or reasonable expenses (including counsel fees) incurred in a Proceeding if such Director or Officer: (l)(A) conducted him or herself in good faith; (B) reasonably believed (i) in the case of conduct in such person's official capacity, which shall include service at the request of the Corporation as a director, officer or fiduciary of a Covered Entity (as defined below), that his or her conduct was in the best interests of the Corporation; and (ii) in all other cases, that his or her conduct was at least not opposed to the best interests of the Corporation; and (C) in the case of any criminal proceeding, such person had no reasonable

------

cause to believe his or her conduct was unlawful; or (2) engaged in conduct for which broader indemnification has been made permissible or obligatory under a provision of the Corporation's Certificate, in each case, as determined in accordance with the procedures set forth in the by laws. For purposes of the by laws, a "Covered Entity" shall mean another corporation, partnership, joint venture, trust or other enterprise (including, without limitation, any employee benefit plan) in respect of which such person is serving at the request of the Corporation as a director, officer or fiduciary.

Insofar as indemnification for liability arising under the Securities Act of 1933 (the "Act") 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 34. Principal Underwriters** 

**(a) Other Activity:**

Pruco Securities, LLC ("Pruco Securities"), an indirect wholly owned subsidiary of Prudential Financial, Inc., acts as the Registrant's principal underwriter of the Policy. Pruco Securities, organized as an LLC on September 22, 2003, under New Jersey law, is registered as a broker-dealer under the Securities Exchange Act of 1934 and is a registered member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). (Pruco Securities is a successor company to Pruco Securities Corporation, established on February 22, 1971.) Pruco Securities' principal business address is 751 Broad Street, Newark, New Jersey 07102.

Pruco Securities acts as principal underwriter and general distributor for the following separate investment accounts and their affiliates:

&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life Variable Universal Account

&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life Variable Insurance Account

&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life PRUvider Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life of New Jersey Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life of New Jersey Variable Insurance Account

&nbsp;&nbsp;&nbsp;&nbsp;• The Prudential Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL I of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL II of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account One of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account Five of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL I of Talcott Resolution Life & Annuity Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL II of Talcott Resolution Life & Annuity Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account Five of Talcott Resolution Life & Annuity Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;• Union Security Insurance Company Variable Account C

The Policy is sold by registered representatives of broker-dealers who are also authorized by state insurance departments to do so.

------

**(b) Management:**

---

| | |
|:---|:---|
| **Managers And Officers Of Pruco Securities, LLC** | **Managers And Officers Of Pruco Securities, LLC** |
| **Name and Principal Business Address** | **Position and Office with Pruco Securities** |
| Susan B. Agnew (Note 1) | Assistant Secretary |
| John M. Cafiero (Note 2) | Assistant Secretary |
| David Camuzo (Note 1) | Secretary |
| Susanna Davi (Note 2) | Assistant Treasurer |
| Scott E. Depew (Note 1) | Manager |
| Dexter M. Feliciano (Note 1) | Manager and President |
| Anthony M. Fontano (Note 1) | Vice President and Manager |
| Jennifer H. Gascho (Note 2) | Assistant Controller |
| Patrick L. Hynes (Note 1) | Manager and Chairman |
| Tiffany Khan (Note 2) | Anti-Money Laundering Officer |
| Victor Kong (Note 2) | Assistant Controller |
| Shane T. McGrath (Note 3) | Chief Compliance Officer |
| Juzer Mohammedshah (Note 1) | Treasurer |
| Janette M. Niland (Note 2) | Assistant Treasurer |
| Maggie Palen (Note 2) | Assistant Secretary |
| Robert P. Smit (Note 2) | Vice President, Controller, Chief Financial Officer, Principal Financial Officer, and Principal Operations Officer |
| Jordan K. Thomsen (Note 1) | Assistant Secretary and Chief Legal Officer |
| Dianne Trinkle (Note 2) | Assistant Controller |
| (Note 1) 213 Washington Street, Newark, NJ 07102 |  |
| (Note 2) 751 Broad Street, Newark, NJ 07102 |  |
| (Note 3) 1 Corporate Drive, Shelton CT 06484 |  |

---

------

**(c) Compensation From the Registrant:**

Pruco Securities passes through the gross distribution revenue it receives to broker-dealers for their sales and does not retain any portion of it in return for its services as distributor for the Policies. However, under a strategic relationship with an unaffiliated broker-dealer, Pruco Securities receives a portion of compensation with respect to sales of its variable life insurance products. Pruco Securities retained compensation of $0 in 2025, $4,278,834 in 2024, and $4,084,003 in 2023.

The sum of the chart below is $425,244,693, which represents Pruco Securities' total 2025 Variable Life Distribution Revenue. The amount includes both agency distribution and broker-dealer distribution.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** |
| Name of Principal Underwriter | Net Underwriting Discounts and Commissions\* | Compensation on Redemption | Brokerage Commission\*\* | Other Compensation |
| Pruco Securities | $133182 | $0 | $425111512 | $0 |

---

\* Represents Variable Life Distribution Revenue for the agency channel.

\*\* Represents Variable Life Distribution Revenue for the broker-dealer channel.<br>

**Item 35. Location of Accounts and Records**

Provided in the most recent report on Form N-CEN.

**Item 36. Management Services** 

On January 2, 2013, Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company (collectively, "Hartford") entered into agreements with The Prudential Insurance Company of America ("Prudential") under which Prudential will reinsure the obligations of Hartford under the variable life insurance policies and provide administration for the policies.

**Item 37. Fee Representation** 

Talcott Resolution Life and Annuity Insurance Company represents that the fees and charges deducted under the Variable Universal Life Insurance Policies registered by this registration statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by Talcott Resolution Life and Annuity Insurance Company.

------

**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all of the requirements for effectiveness of this Registration Statement under Rule 485(b) under the Securities Act and has duly caused this Registration Statement to be signed on its behalf by the undersigned, duly authorized, in the City of Newark, and State of New Jersey on this 23rd day of April, 2026.

**Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company**

(Depositor, on behalf of the Registrant)

---

| | |
|:---|:---|
| By: | /s/ Lisa M. Proch |
|  | Lisa M. Proch |
|  | Executive Vice President, Chief Legal Officer, Chief Compliance Officer, and Director |

---

**Talcott Resolution Life and Annuity Insurance Company**

(Depositor)

---

| | |
|:---|:---|
| By: | /s/ Lisa M. Proch |
|  | Lisa M. Proch |
|  | Executive Vice President, Chief Legal Officer, Chief Compliance Officer, and Director |

---

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed below by the following persons in the capacities indicated on this 23rd day of April, 2026.

---

| | | |
|:---|:---|:---|
| **<u>Signature and Title</u>** | | |
| /s/ \* |  |  |
| Oliver Jakob |  |  |
| Director |  |  |
| /s/ \* |  |  |
| James O'Grady | By: | /s/ Christopher J. Madin |
| Executive Vice President, Chief Investment Officer, and Director |  | Christopher J. Madin |
| Executive Vice President, Chief Investment Officer, and Director |  | Vice President and Corporate Counsel |
|  |  | The Prudential Insurance Company of America |
| /s/ \* |  |  |
| Lisa M. Proch |  |  |
| Executive Vice President, Chief Legal Officer, Chief Compliance Officer, and Director (Serving the Function of Principal Executive Officer) |  |  |
| /s/ \* |  |  |
| Lindsay Mastroianni |  |  |
| Vice President and Controller (Serving the Functions of Principal Financial Officer and Principal Accounting Officer) |  |  |

---

\*Executed by Christopher J. Madin on behalf of those indicated pursuant to Power of Attorney.

------

## Ex-99.C

**<u>PRINCIPAL UNDERWRITER AGREEMENT</u>**

This **PRINCIPAL UNDERWRITER AGREEMENT** by and among Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company, each a life insurance company organized and existing under the laws of the State of Connecticut (collectively, the <u>"Insurers</u>"), on their behalf and on behalf of each separate account identified in <u>Schedule 1</u> hereto, and Pruco Securities, LLC, a limited liability company organized and existing under the laws of the State of New Jersey <u>("Distributor</u>"), is entered into this 24th day of April, 2014 to become effective on May 1, 2014 ("<u>Effective Date</u>").

**WITNESSETH:**

WHEREAS, Distributor is a broker-dealer that engages in the distribution of investment products including variable life insurance products that are registered with the Securities and Exchange Commission (the "<u>SEC</u>");

WHEREAS, Insurers, on their behalf and on behalf of each separate account listed on <u>Schedule 1</u> hereto, and Hartford Equity Sales Company, Inc. and Hartford Securities Distribution Company, Inc. (collectively, the "<u>Previous Distributors</u>") have entered into one or more agreements (collectively, the "<u>Previous Agreements</u>"), pursuant to which the Previous Distributors have acted as principal underwriters and wholesalers for various offerings of certain variable life insurance contracts issued by Insurers and supported by such separate accounts (the "<u>Contracts</u>");

WHEREAS, Insurers intend to discontinue the offerings of certain Contracts for new issue in connection with the sale of certain of their life insurance business in a transaction with Prudential Financial, Inc. and its affiliates (collectively, "<u>Prudential</u>") pursuant to that certain Purchase and Sale Agreement dated September 27, 2012 among Hartford Life, Inc., The Hartford Financial Services Group, Inc. and Prudential Financial, Inc. (the "<u>Purchase and Sale Agreement</u>") and the "<u>Ancillary Agreements</u>" (as defined in the Purchase and Sale Agreement, and by this reference incorporated herein) (such transaction, the "<u>Transaction</u>"), except in the case of Contracts that may be issued in connection with the reinstatement of a Contract that at one time was in force, in connection with contractually obligated conversions, or in resolution of a customer complaint;

WHEREAS, a substantial portion of such Contracts issued in connection with such offerings remain in force as of the date of this Agreement and, under the terms of such variable insurance contracts, contract owners may continue to pay premiums, reallocate contract value and effect other transactions;

WHEREAS, the Previous Distributors intend to terminate their services as principal underwriters of the Contracts under the Previous Agreements in connection with the Transaction; and

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 1 of 26

7985335_1

------

WHEREAS, Insurers and Distributor wish to enter into an agreement pursuant to which Distributor shall commence acting as principal underwriter for such Contracts (each of which is identified on <u>Schedule 1</u> of this Agreement) as of the Effective Date;

WHEREAS, Issuers and Distributor intend to incorporate by reference herein or by restatement including but not limited to paragraphs 6(c), 7(a), 7(c-f) and 9 in this Agreement exactly as such provisions are set forth in the Purchase and Sale Agreement and Ancillary Agreements unless stated otherwise in this Agreement;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.<u>Definitions</u>. Capitalized terms not defined herein and which are defined in the Purchase and Sale Agreement shall have the meaning ascribed to them in the Purchase and Sale Agreement. As used herein, the following terms will have the respective meanings set forth in this Section 1:

"<u>Administered Business</u>" means the Business of Insurers with respect to the Covered Insurance Policies, the Separate Accounts, the Existing Reinsurance Agreements and any Reinsured Liabilities. For the avoidance of doubt, the Administered Business does not include any Discovered Policies unless otherwise agreed to by the parties.

"<u>Ancillary Agreements</u>" has the meaning set forth in the Purchase and Sale Agreement.

"<u>Applicable Law''</u> has the meaning set forth in the Purchase and Sale Agreement.

"<u>Applicable Privacy Laws</u>" means Applicable Laws relating to privacy, data protection and the collection and use of an individual's personal information and user information gathered, accessed, collected or used by Insurers or any of their Affiliates in the course of the operations of the Business, including any applicable provisions of state insurance privacy laws and state privacy regulations.

"<u>Business</u>" has the meaning set forth in the Purchase and Sale Agreement.

"<u>Business Day</u>" has the meaning set forth in the Purchase and Sale Agreement.

"<u>Covered Insurance Policies</u>" has the meaning set forth in the Reinsurance Agreement.

"<u>Customer Information</u>" means any financial or personal information about a policyholder, insured or beneficiary under any Covered Insurance Policy, including, but not limited to, such policyholder's, insured's or beneficiary's name, street or mailing address, electronic mail address, telephone or other contact information, employer, social security or tax identification number, date of birth, driver's license number, state identification card number, financial account, credit or debit card number, health and medical information or photograph or documentation of identity or residency (whether independently disclosed or contained in any disclosed document) and any other information of such policyholder, insured or beneficiary deemed "nonpublic', and protected by any Applicable Privacy Law.

"<u>Discovered Policies</u>" has the meaning set forth in the Purchase and Sale Agreement.

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 2 of 26

7985335_1

------

"<u>Governmental Body''</u> has the meaning set forth in the Purchase and Sale Agreement.

"<u>Person</u>" has the meaning set forth in the Purchase and Sale Agreement.

"<u>Representative</u>" has the meaning set forth in the Purchase and Sale Agreement.

<u>2.</u><u>Authorization and Appointment</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.<u>Scope of Authority</u>. The parties acknowledge and agree that Insurers will discontinue the offering of Contracts in the case of all classes of the Contracts listed on <u>Schedule I</u> to this Agreement as of the Effective Date, except in the case of a Contract issued in connection with a reinstatement of a Contract that was once in force, pursuant to a conversion, or in resolution of a customer complaint, but that Insurers continue to accept premium payments, reallocation requests and other Contract owner transaction requests with respect to Contracts that remain in force and to that limited extent, and solely to that limited extent, the offering of the Contracts is continuing. The parties further acknowledge and agree that Distributor's responsibilities under this Agreement shall be limited to acting as principal underwriter and distributor for the Contracts with respect to transactions permitted under the terms of the Contracts for the term of this Agreement. In addition, the parties acknowledge and agree that Distributor's responsibilities hereunder commence as of the Effective Date of this Agreement, and that Distributor has no responsibility to the extent of any activities or transactions occurring or effected prior to the Effective Date of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.<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 Insurers solely by virtue of their activities in connection with the duties assumed by Distributor under this Agreement. Distributor shall not expend, nor contract for the expenditure of, the funds of Insurers. Distributor shall not possess or exercise any authority on behalf of Insurers other than that expressly conferred on Distributor by this Agreement. Neither Distributor nor any representative of Distributor ("<u>Distributor Representative</u>") 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,

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;a.Distributor is registered as a broker-dealer under the Securities Exchange Act of 1934 Act (the "<u>1934 Act</u>"), is a member of the Financial Industry Regulatory Authority ("<u>FINRA</u>"), 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 Investment Company Act of

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 3 of 26

7985335_1

------

1940 (the "<u>1940 Act</u>"), 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;b.Any Distributor Representatives required to be registered with FINRA and any State Securities Commission as representatives or principals of Distributor are so registered and shall continue to be so registered during the term of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c.Distributor complies, shall continue to comply, and shall undertake to cause all Distributor 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 applicable state securities laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d.Distributor acknowledges the role of its affiliates with respect to their respective rights and obligations under the Purchase and Sale Agreement and the Ancillary Agreements and shall use its best efforts to coordinate its obligations hereunder with its affiliates' rights and obligations thereunder.

4.<u>Insurers' Representations and Warranties Regarding SEC Filings.</u> Insurer represents and warrants to Distri<u>butor that</u> it or their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable, has filed with the SEC all statements, notices, and other documents required for registration of the Contracts covered by such applicable 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.

5.<u>Insurers' Undertakings.</u> For so long as any Contracts remain outstanding, Insurers, through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable, undertake as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.<u>Securities Law Compliance.</u> Insurers (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable) 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 and it being understood that Insurers may rely on SEC staff no-action relief or guidance permitting an insurer to cease updating a Registration Statement in appropriate circumstances. Insurers (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 4 of 26

7985335_1

------

Agreements, in each case, as applicable) shall 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, 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 the Contracts, Insurers (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable) 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. Insurers (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable) shall not deduct any amounts from the assets of any Separate Account, enter into a transaction or arrangement involving the 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. Insurers (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable) 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-SAR, 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, it being understood that Insurers may rely on SEC staff no-action relief or guidance permitting an insurer to cease updating a Registration Statement in appropriate circumstances. 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, Insurers (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable) shall endeavor to prepare, subject to Distributor's right to review such material provided in <u>Section 5.b,</u> and file such amendment or supplement with the SEC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.<u>State Insurance Law Compliance.</u> Insurers (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable) shall be responsible for preparing the Contract forms and any amendments thereto, and filing them with State Insurance Commissions, to the extent required. Insurer (through, where applicable, their authorized representatives under the Purchase and Sale

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 5 of 26

7985335_1

------

Agreement and the Ancillary Agreements, in each case, as applicable) shall maintain approvals of the Contracts and the Separate Account (including for purposes of this <u>Section 5.b</u> only any separate account established with respect to Contracts that are not variable contracts) from such state insurance commissions, to the extent required, in order to carry out the purposes of this Agreement. Insurer (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable) shall take all action required to cause the Contracts to continue to comply, in all material respects, as life insurance contracts, under the insurance laws of the States, to the extent required. Insurer (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable) 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;c.<u>Confirmations.</u> Insurers (through, where applicable, their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable), as agent for Selling Broker-Dealers, shall confirm to each applicant for and purchaser of a Contract in accordance with Rule 1Ob-10 under the 1934 Act acceptance of premiums and such other transactions as are required to be confirmed by Rule 1Ob-10 or administrative interpretations thereunder.

6.<u>Other Obligations of the Parties.</u> In each case, subject to the Purchase and Sale Agreement and the Ancillary Agreements:

&nbsp;&nbsp;&nbsp;&nbsp;&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 ("<u>BSA</u>"), as amended by The International Money Laundering Abatement and Financial Anti-Terrorism Act of 2002, Title III of the USA PATRIOT Act (the "<u>Patriot Act</u>"), its implementing regulations, and related SEC rules, including without limitations, Customer Identification Program ("<u>CIP</u>") rules. Further, the patties shall comply with the economic sanctions programs administered by the U.S. Treasury Department's Office of Foreign Assets Control ("<u>OFAC</u>"). 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;&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

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 6 of 26

7985335_1

------

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;&nbsp;&nbsp;&nbsp;&nbsp;c.<u>Privacy of Customer lnformation.</u> Subject to the Purchase and Sale Agreement and the Ancillary Agreements, the parties agree that:

&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)The Distributor shall, and shall cause its respective Representatives to, comply with Applicable Privacy Laws and the Information Security Requirements set forth in <u>Schedule II</u> attached hereto.

&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)Insurers agree that the Distributor may use and disclose Customer lnformation for any and all purposes described in: (i) Sections 16 and 17 of the NAIC Model Privacy of Consumer Financial and Health Information Regulation and (ii) Section 13 of the NAIC Insurance Information and Privacy Protection Model Act, except where disclosure is prohibited by Applicable Law.

&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)Insurers agree that the Distributor may use Customer Information for the Distributor's own purposes relating to its insurance products and services, including but not limited to: servicing, administering, and maintaining its insurance products and services; administering and servicing benefits or claims; underwriting, risk management and control; and the detection and prevention of fraud, criminal activity, misrepresentations, or unauthorized transactions.

&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)Insurers hereby enter *into* a joint marketing agreement with the Distributor as described in Section 15 of the NAIC Model Privacy of Consumer Financial and Health Information Regulation such that Nonpublic Personal Financial Information, as defined in the NAIC Model Privacy of Consumer Financial and Health Information Regulation, relating to the Covered Insurance Policies may be disclosed to the Distributor and used by the Distributor to market insurance products and services to insureds or policyholders under the Covered Insurance Policies. Specifically, Insurers agree that they will send or cause the Distributor to send, on Insurers' letterhead, at Distributor's sole cost and expense, marketing material regarding the products and services of the Distributor and its affiliates and subsidiaries to insureds or policyholders under the Covered Insurance Policies. The content of such marketing material is subject to approval by Insurers, the approval of which shall not be unreasonably withheld by Insurers. Notwithstanding the foregoing, the Distributor shall not solicit individuals that are included in Insurers' Do Not Contact Database (which database shall be made available to the Distributor by Insurers upon the Distributor's reasonable request).

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 7 of 26

7985335_1

------

7.<u>Notification of Contractholder Complaints and Developments.</u> In each case, subject to the Purchase and Sale Agreement and the Ancillary Agreements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.<u>Contractholder Routine Complaints</u>.

The Distributor shall supervise and control the investigation, contest, defense and/or settlement of any policyholder, insured or beneficiary complaints (including any such complaints asserted through any Governmental Body) that in the Distributor's reasonable judgment would reasonably be expected to result solely in monetary Losses of $10,000 or less relating to the Administered Business (the "Routine Complaints') at its own cost and expense, and in the name of Insurers when necessary. Notwithstanding anything in this Agreement to the contrary, the Distributor shall not be required to provide notice to Insurers with respect to any Routine Complaints; provided, that at an Insurer's request, the Distributor shall, no more frequently than monthly, provide such Insurer with a report summarizing the nature and status of any pending or resolved Routine Complaints, the alleged actions or omissions giving rise to such Routine Complaints, and the status of any such Routine Complaints.

The Distributor shall investigate and prepare responses to all customer complaints and regulatory inquiries or complaints. Subject to the foregoing, all customer complaints shall be handled in accordance with Applicable Law (including without limitation any response time requirements applicable thereto). A record of all customer complaints shall be maintained in a log showing the date received, the nature of the complaint, the action taken (if any) and the date of the response. As used herein, a "customer complaint" shall be deemed to include any written communication primarily expressing a grievance against an Insurer, an Affiliate of an Insurer, or the Distributor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.<u>Developments.</u> Insurers or Affiliates shall notify Distributor as soon as possible under the circumstances whenever an Insurer becomes aware 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)Of any Prospectus, sales literature or other printed matter or material used in marketing and distributing any Contract that 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

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 8 of 26

7985335_1

------

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 Accounts noncompliance with the applicable requirements of federal tax Jaw or regulations, rulings, or interpretations thereunder that could jeopardize the Contracts' status as annuity or life insurance contracts, as applicable; 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;(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 the relevant Insurer's certificate of authority to do business or to issue variable life 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;&nbsp;&nbsp;&nbsp;&nbsp;c.<u>Regulatory Actions.</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;(1)If Insurers or the Distributor receive notice of, or otherwise becomes aware of, any Regulatory Action (as defined below), Insurers or the Administrator, as applicable, shall promptly notify the other Party thereof. The term "<u>Regulatory Action</u>" means any Action initiated by or involving the participation of a Governmental Body related to the Administered Business other than Routine Complaints. Insurers, upon twenty (20) calendar days written notice to the Distributor, shall have the right at any time to assume sole and exclusive control over the response, defense, settlement or other resolution of any Regulatory Action; <u>provided</u> that Insurers shall be solely responsible for all costs and expenses related thereto (including any Losses, fines, penalties or other amounts imposed on or suffered by the Distributor and its Affi1iates, and the cost of any remediation efforts by the Distributor) and any increased liability of the Distributor resulting from Insurers' control thereof. The Distributor shall have the right at its sole expense to engage its own separate legal representation and to participate fully in, but not control, any such defense, settlement, or compromise assumed by Insurers. Notwithstanding the foregoing, Insurers shall not settle or compromise any such Regulatory Action without the Distributor's prior written consent (such consent not to be unreasonably withheld, conditioned or delayed) unless (i) there is no finding or admission of any violation of Applicable Law or any violation of the rights of any Person by the Distributor or any of its Affiliates, (ii) Insurers pay all settlement amounts with respect thereto, (iii) Insurers obtain a complete release for the Distributor and its Affiliates who are patties to the proceedings with

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 9 of 26

7985335_1

------

respect to such Regulatory Action, and (iv) the terms of the proposed settlement or compromise of the Regulatory Action do not impose injunctive, equitable re1ief or remediation or result in any non-monetary restriction or condition or material burden on the Business or operations of the Distributor and its Affiliates.

&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)In the event that Insurers do not timely assert their right to control the handling of Regulatory Actions pursuant to <u>Section 7(c)(l),</u> the Distributor may shall assume sole and exclusive control over the response, defense, settlement or other resolution of any Regulatory Action. Insurers shall have the right at its sole expense to engage their own separate legal representation and to participate fully in, but not control, any such defense, settlement, or compromise assumed by the Distributor. Notwithstanding the foregoing, the Distributor shall not settle or compromise any such Regulatory Action without impacted Insurer's prior written consent (such consent not to be unreasonably withheld, conditioned or delayed) unless (i) there is no finding or admission of any violation of Applicable Law or any violation of the rights of any Person by Insurers or any of their Affiliates, (ii) the Distributor pays all settlement amounts with respect thereto, (iii) the Distributor obtains a complete release for Insurers and their Affiliates who are parties to the proceeding with respect to such Regulatory Action, and (iv) the terms of the proposed settlement of the Regulatory Action do not impose injunctive, equitable relief or remediation or result in any non-monetary restriction or condition on Insurers or their Affiliates.

&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)Upon the other Party's request, the controlling Party shall provide such other Party with a report of any pending Regulatory Actions controlled by the controlling Party that are covered under this <u>Section 7(c),</u> summarizing the nature of any such pending Regulatory Actions, the alleged actions or omissions, if any, giving rise to such Regulatory Actions and copies of any files or other documents that the controlling Party may reasonably request in connection with its review of such matters.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d.<u>Legal Actions.</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;(1)The Distributor shall promptly notify Insurers of any Action other than a Regulatory Action or a Routine Complaint that has been instituted or threatened in writing with respect to the Administered Business or any Covered Insurance Policy (each, a "Legal Action"), and in no event more than five (5) Business Days after receipt or notice thereof.

&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)Insurers shall promptly notify the Distributor of any Legal Action to the extent known to it and not made against or served on the Distributor, and in no event more than five (5) Business Days after receipt or notice

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 10 of 26

7985335_1

------

thereof, and shall promptly furnish to the Distributor copies of all pleadings in connection therewith.

&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)The Distributor shall supervise and shall exclusively control the investigation, contest, defense and/or settlement of all Legal Actions, at its own cost and expense and in the name of Insurers when necessary.

&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)Notwithstanding anything in this Agreement to the contrary, Insurers shall have the right to engage their own separate legal representation, at their own expense, and to participate fully in, but not control, the defense of any Legal Action with respect to which an Insurer is a named party to the extent that such Legal Action, if successful, could (in An Insurer's reasonable opinion) materially interfere with the business, assets, liabilities, obligations, financial condition, results of operations or reputation of Insurers or any of their Affiliates other than the Administered Business, without waiving any right to indemnification or payment that it may have under the terms of the Purchase and Sale Agreement, Anci11ary Agreements, or this Agreement. The Distributor and Insurers shall use commercially reasonable efforts to cooperate with each other with respect to the administration of any such Legal Action. The Distributor shall not settle or compromise any Legal Action without the impacted Insurer's prior written consent (such consent not to be unreasonably withheld, conditioned or delayed) unless (i) there is no finding or admission of any violation of Applicable Law or any violation of the rights of any Person by Insurers or any of their Affiliates, (ii) the Distributor pays all settlement amounts with respect thereto, (iii) the Distributor obtains a complete release for the impacted Insurer and its Affiliates who are parties to the proceeding with respect to such Legal Action, and (iv) the terms of the proposed settlement do not impose injunctive, equitable relief or remediation or result in any non-monetary restriction or condition on Insurers or their Affiliates.

&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)The Distributor shall keep Insurers informed of the progress of all pending Legal Actions and, at an Insurer's request (which requests shall be reasonable in their frequency and nature as reasonably determined by the Distributor), provide to Insurers a report summarizing the nature of any pending Legal Action, the alleged actions or omissions giving rise to such Legal Action and copies of any files or other documents that Insurers may reasonably request in connection with its review of such matters, in each case other than such files, documents and other information as would, in the judgment of counsel to the Distributor, lead to the loss or waiver of legal privilege. Except to the extent that the Distributor prepares such reports in the ordinary course of business, Insurers shall reimburse the Distributor for the reasonable out-of-pocket costs incurred by it in preparing the reports and copies described in this <u>Section 7(d)(5).</u>

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 11 of 26

7985335_1

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e.<u>Cooperation,</u> Each Party shall use commercially reasonable efforts to cooperate with and assist the controlling Party in responding to, defending, prosecuting and Routine Complaint, Regulatory Action or Legal Action pursuant to <u>Section 7,</u> provided, that neither Party shall be required to waive any applicable attorney-client, attorney work product or other evidentiary privileges; provided, further, that, except as set forth in this <u>Section 7</u>, the Distributor shall reimburse Insurers for any reasonable out-of-pocket costs and expenses incurred by Insurers in connection with such eff011s. Neither Insurers nor the Distributor shall have the authority to institute, prosecute or maintain any legal or regulatory proceeding on behalf of the other Party without the prior written consent of such other Party, except as expressly contemplated in this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f.<u>Reporting.</u> On a quarterly basis, (a) Insurers shall prepare and provide to the Distributor a report containing a summary of any Regulatory Actions with respect to which Insurers have exercised its right to supervise and control the defense thereof in accordance with <u>Section 7(a),</u> and (b) the Distributor shall prepare and provide to Insurers a report containing a summary of any Legal Actions and Regulatory Actions controlled by the Distributor in a form reasonably acceptable to Insurers.

8.<u>Compensation and Expenses.</u> In each case, subject to the Purchase and Sale Agreement and the Ancillary Agreements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.Insurers shall not pay any selling compensation to Distributor for its services hereunder. Insurer and Distributor will work together to update the Selling Agreement where required by any applicable law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.Insurers (through their authorized representatives under the Purchase and Sale Agreement and the Ancillary Agreements, in each case, as applicable) shall be responsible for all expenses in connection with:

&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)the preparation and filing of each Registration Statement (including each pre-effective and post-effective amendment thereto) and the preparation and filing of each Prospectus (including any preliminary and each definitive Prospectus);

&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)the preparation, underwriting, issuance and administration of the Contracts and the payment of benefits thereunder;

&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)any registration, qualification or approval or other filing of the Contracts or Contract forms required under the securities or insurance laws of the States in which the Contracts will be or have been issued.

&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)all registration fees for the Contracts payable to the SEC and any state securities commission; and

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 12 of 26

7985335_1

------

&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)the printing of all promotional materials, definitive Prospectuses for the Contracts and any supplements thereto for distribution to prospective and existing owners of Contracts.

9.<u>Indemnification</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.<u>Indemnification by Insurers.</u> Each of the Insurers shall indemnify, defend and hold harmless the Distributor and its Affiliates and their respective Representatives, successors and assigns (collectively, the <u>''Distributor Indemnified Parties</u>") from and against and pay and reimburse all Losses imposed on, sustained, incurred or suffered by the Distributor Indemnified Parties resulting from, arising out of or relating to (whether or not arising from a Third-Party Claim) (a) any breach by an Insurer of the covenants and agreements of Insurers contained in this Agreement and (b) any successful enforcement of this indemnity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.<u>Indemnification by the Distributor.</u> The Administrator shall indemnify, defend and hold harmless Insurers and their Affiliates and their respective Representatives, successors and assigns (collectively, the "<u>Insurers Indemnified Parties</u>") from and against and pay and reimburse all Losses imposed on, sustained, incurred or suffered by the Insurers Indemnified Parties resulting from, arising out of or relating to (whether or not arising from a Third-Party Claim) (a) any breach by the Distributor of the covenants and agreements of the Distributor contained in this Agreement and (b) any successful enforcement of this indemnity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c.Notice of Claim; Defense.

&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 (i) any non-affiliated third party or Governmental Body institutes or asserts any Action that may give rise to Losses for which a Party (an "<u>Indemnifying Party</u>") may be liable for indemnification under this Section *9* (a "<u>Third-Party Claim</u>") or (ii) any Person that may be entitled to indemnification under this Agreement (an "<u>Indemnified Party</u>") desires to make a claim not involving a Third-Party Claim to be indemnified by an Indemnifying Party, then the Indemnified Party shall promptly send to the Indemnifying Party a written notice specifying the nature of such claim and a good faith estimate of the amount of all related Losses to the extent they are ascertainable (a "<u>Claim Notice</u>"). The Indemnifying Party shall not be relieved from any of its indemnification obligations under this Section 9 as a result of a failure of the Indemnified Pru1ies to provide a Claim Notice except to the extent that it is prejudiced by such failure.

&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)The Indemnifying Party may, by notice delivered within twenty (20) Business Days of the receipt of a Claim Notice with respect to a Third-Party Claim, assume the defense and control of such Third-Party Claim (at the expense of such Indemnifying Party). The Indemnified Party may take any actions reasonably necessary to defend any Third-Party Claim

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 13 of 26

7985335_1

------

prior to the time that it receives notice from the Indemnifying Party as contemplated by the preceding sentence. The Indemnifying Party shall not be entitled to assume or maintain control of the defense of any Third-Party Claim and shall pay the reasonable fees and expenses of counsel retained by the Indemnified Party if (i) the Third-Party Claim relates to or arises in connection with any criminal proceeding, action, indictment, allegation or investigation against the Indemnified Party or (ii) the Third-Party Claim would reasonably be expected to result in an injunction or equitable relief against the Indemnified Party that would, in each case, have a material effect on the operation of the business of such Indemnified Party or any of its Affiliates.

&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)Subject to <u>Section 9(c)(2),</u> in the event of a Third-Party Claim, if the Indemnifying Party assumes the defense of a Third-Party Claim, the Indemnifying Party may elect to retain counsel reasonably acceptable to the Indemnified Parties to represent such Indemnified Parties in connection with such Action and shall pay the fees, charges and disbursements of such counsel. Subject to <u>Section 9(c)(2),</u> if the Indemnifying Party so elects, the Indemnified Parties may participate, at their own expense and through legal counsel of their choice, in any such Action; <u>provided</u> that (i) the Indemnifying Party shall control the defense of the Indemnified Parties in connection with such Action and (ii) the Indemnified Parties and their counsel shall reasonably cooperate with the Indemnifying Party and its counsel in connection with such Action. To the extent such action can be taken in a way that does not unreasonably jeopardize the attorney-client privilege: (i) the Indemnified Patty's right to participate in the defense of any Action shall include the right to attend all significant internal meetings, all meetings with representatives of plaintiffs, hearings and the like; and (ii) counsel for a Indemnified Party also shall be given a reasonable opportunity to comment upon all memoranda of law, pleadings and briefs and other documents relating to the Third-Party Claim, and the Indemnifying Party and its counsel shall give reasonable consideration to the comments of counsel for the Indemnified Party. The Indemnifying Party shall not settle any such Action without the relevant Indemnified Pai1ies' prior written consent, unless the terms of such settlement (A) provide for no relief other than the payment of monetary damages, (B) involve no finding or admission of any breach or violation by any Indemnified Party and (C) include an express unconditional release of each Indemnified Party from all liability arising from such Action. Notwithstanding the foregoing, if the Indemnifying Party does not promptly retain counsel and assume control of such defense, then the Indemnified Parties may retain counsel reasonably acceptable to the Indemnifying Party in connection with such Action and assume control of the defense in connection with such Action. Under no circumstances will the Indemnifying Party have any liability in connection with any

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 14 of 26

7985335_1

------

settlement of any Action that is entered into without it's prior written consent (such consent not to be unreasonably withheld, delayed or conditioned).

&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)From and after the delivery of a Claim Notice involving a Third-Party Claim, at the reasonable request of the Indemnifying Party, each Indemnified Party shall grant the Indemnifying Party and its counsel, experts and Representatives full access, during normal business hours, to the books, records, personnel and properties of the Indemnified Patty to the extent reasonably related to such Claim Notice at no cost to the Indemnifying Party (other than for reasonable out-of-pocket expenses of the Indemnified Parties).

&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)In the event any Indemnifying Party receives a Claim Notice from an Indemnified Party that does not involve a Third-Party Claim, the Indemnifying Party shall notify the Indemnified Party within twenty (20) Business Days following its receipt of such notice whether the Indemnifying Party disputes its liability to the Indemnified Party under this <u>Section 9.</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d.No Duplication; Exclusive Remedy.

&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)To the extent that a Distributor Indemnified Party or an Insurers Indemnified Party has received payment in respect of a Loss pursuant to the provisions of any other Ancillary Agreement, such Distributor Indemnified Party or Insurers Indemnified Party shall not be entitled to indemnification for such Loss under this Agreement to the extent of such payment.

&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)Except with respect to claims alleging fraud and as otherwise provided under this Agreement or the provisions of any other Ancillary Agreement, the exclusive remedy of the Distributor, the Distributor Indemnified Parties, Insurers and the Insurers Indemnified Parties in connection with this Agreement (and any certificate or instrument delivered hereunder) and the transactions contemplated hereby (whether under this Agreement or arising under Applicable Law) shall be as provided in this <u>Section 9.</u> In furtherance of the foregoing, each of Distributor, on behalf of itself and each other Distributor Indemnified Party, and each Insurer, on behalf of itself and each other Insurers Indemnified Party, hereby waives, to the fullest extent permitted under Applicable Law, any and all rights, claims and causes of action (other than claims of, or causes of action arising from, fraud) it may have against Insurers or any of their Affiliates or Representatives and the Distributor or any of its Affiliates or Representatives, as the case may be, arising under or based upon this Agreement or any certificate or instrument delivered in connection herewith, except (x) pursuant to the indemnification prov1s1ons set forth in this <u>Section 9</u> or (y) as otherwise provided

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 15 of 26

7985335_1

------

under this Agreement or the provisions of any other Ancillary Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e.<u>Limitation on Set-off.</u> Neither Insurers nor the Distributor shall have any right to set off any unresolved indemnification claim pursuant to this Section 9 against any payment due pursuant to any Transaction Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f.<u>Mitigation.</u> The Distributor and Insurers shall cooperate with each other with respect to resolving any claim or liability with respect to which one Party is obligated to indemnify the other Party under this <u>Section 9,</u> including by making commercially reasonable efforts to mitigate such claim or liability, to the extent required by Applicable Law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g.Recovery by Indemnified Party.

&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)In any case where an Indemnified Patty recovers from a third party not affiliated with such Indemnified Party any amo1mt in respect of any Loss for which an Indemnifying Party has actually reimbursed it pursuant to this <u>Section 9,</u> such Indemnified Party shall promptly pay over to the Indemnifying Party the amount so recovered (net of any out- of-pocket expenses incurred by such Indemnified Party in collecting such amount), but not in excess of the sum of (i) any amount previously paid by the Indemnifying Party to or *on* behalf of the Indemnified Party in respect of such claim and (ii) any amount expended by the Indemnifying Party in pursuing or defending any claim arising out of such matter.

&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)If any portion of Losses to be reimbursed by the Indemnifying Party pursuant to this <u>Section 9</u> could be recovered from a third party not affiliated with the relevant Indemnified Party (including under any applicable third-party insurance coverage) based on the underlying claim or demand asserted against such Indemnifying Party, then the Indemnified Party shall promptly give notice thereof to the Indemnifying Party and, upon the request of the Indemnifying Party, shall use commercially reasonable efforts to collect the maximum amount recoverable from such third party, in which event the Indemnifying Party shall reimburse the Indemnified Party for all reasonable costs incurred in connection with such collection. If any portion of Losses actually paid by the Indemnifying Party pursuant to this <u>Section</u> *<u>9</u>* could have been recovered from a third party not affiliated with the relevant Indemnified Patty (including under any applicable third-party insurance coverage) based on the underlying claim or demand asserted against such Indemnifying Patty, then the Indemnified Party shall transfer, to the extent transferable, such of its rights

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 16 of 26

7985335_1

------

to proceed against such third party as are necessary to permit the Indemnifying Party to recover from such third party any amount actually paid by the Indemnifying Party pursuant to this <u>Section 9.</u>

10.<u>Term and Termination.</u> This Agreement shall remain in effect until it is terminated. This Agreement shall terminate as to those Contracts affected upon the termination of the Administrative Services Agreement (as defined under the Purchase and Sale Agreement) relevant to such Contracts. Upon termination of this Agreement all authorizations, rights and obligations shall cease except the obligation to settle accounts hereunder.

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

if to Insurers, to:

Lisa Proch

VP, Assistant General Counsel

The Hartford - Law Department

200 Hopmeadow Street

Simsbury, CT 06089

if to Distributor, to:

President

Pruco Securities, LLC

213 Washington Street

Newark, NJ 07102

cc: Chief Legal Officer

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.

12. General

&nbsp;&nbsp;&nbsp;&nbsp;&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 <u>Section 10</u> of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.<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

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 17 of 26

7985335_1

------

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;&nbsp;&nbsp;&nbsp;&nbsp;c.<u>Arbitration.</u> Any controversy or claim arising out of or relating to this Agreement or the breach hereof, shall be settled by arbitration in accordance with the rules of FINRA or another arbitration forum agreed to by the parties and judgment upon the award rendered by the arbitrator(s) maybe entered in any court having jurisdiction thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d.<u>Incorporation of ASA Provisions.</u> Sections 17.04, 17.05, 17.06, 17.07, 17.08, 17.10, 17.11, and 17.13 of that ce1iain Administrative Services Agreement between Hartford Life Insurance Company and The Prudential Insurance Company of America dated January 2, 2013 are each incorporated by reference *mutatis mutandis.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e.<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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f.<u>Conflicts.</u> In the event that any provision of this Agreement conflicts or is otherwise inconsistent with the Purchase and Sale Agreement or any of the Ancillary Agreements, the provisions of the Purchase and Sale Agreement or Ancillary Agreements, as applicable, shall prevail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g.This Agreement shall be binding on the parties hereto and their respective successors and permitted assigns whether or not filed with any regulator or in any registration statement. For the avoidance of doubt, the parties agree that in the event Previous Distributors or Insurers incur any liability on or after the Effective Date of this Agreement that is the result of any deficiency in a Registration Statement or similar statement (including a failure to effectively amend a Registration Statement) to reflect the appointment of Distributor as principal underwriter of the Contracts and the removal of Previous Distributors as principal underwriters for the Contracts, such liability will be assumed in whole by Distributor, not Insurers or Previous Distributor.

[Rest of this page intentionally left blank]

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 18 of 26

7985335_1

------

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

**HARTFORD LIFE AND ANNUITY INSURANCE COMPANY**

By: <u>/s/ Lisa Proch</u> 

Name: <u>Lisa Proch</u> 

Title: <u>VP</u> 

**HARTFORD LIFE INSURANCE COMPANY**

By: <u>/s/ Lisa Proch</u> 

Name: <u>Lisa Proch</u> 

Title: <u>VP</u> 

**PRUCO SECURITIES, LLC**

By: <u>/s/ John G. Gordon</u> 

Name: <u>John G. Gordon</u> 

Title: <u>President</u> 

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 19 of 26

7985335_1

------

**<u>SCHEDULE I</u>**

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Separate Accounts** | &nbsp;&nbsp;**Products available within** **Separate Account** |
| &nbsp;&nbsp;Hartford Life Insurance Company Separate Account One | &nbsp;&nbsp;Hartford Builder |
| &nbsp;&nbsp;Hartford Life Insurance Company Separate Account Five | &nbsp;&nbsp;Director Life (Series I) <br>Director Life (Series)<br>Putnam Hartford Capital Manager VL<br>Putnam Capital Manager VL <br>Select Dimensions Life (Series I)<br>Select Dimensions Life (Series II) |
| &nbsp;&nbsp;&nbsp;Hartford Life and Annuity Insurance Company Separate Account Five | &nbsp;&nbsp;Director Life (Series I) <br>Director Life (Series II)<br>Putnam Hartford Capital Manager VL<br>Putnam Capital Manager VL<br>Select Dimensions Life (Series I)<br>Select Dimensions Life (Series II) |
| &nbsp;&nbsp;Hartford Life Insurance Company Separate Account VL I | &nbsp;&nbsp;Stag Wall Street I <br>Stag Wall Street II<br>Stag Accumulator VUL (Series I)<br>Stag Accumulator VUL (Series 1.5)<br>Stag Accumulator II<br>Stag Protector VUL (Series I)<br>Stag Protector VUL (Series I.5)<br>Stag Protector II<br>Stag Variable Life<br>Stag Variable Life Artisan<br>Hartford Quantum Life <br>Hartford Quantum II |

---

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 20 of 26

7985335_1

------

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Separate Accounts** | &nbsp;&nbsp;**Products available within Separate Account:** |
| &nbsp;&nbsp;&nbsp;Hartford Life and Annuity Insurance Company Separate Account VL I | &nbsp;&nbsp;Stag Wall Street I<br>Stag Wall Street II<br>Stag Accumulator VUL (Series I)<br>Stag Accumulator VUL (Series 1.5)<br>Stag Accumulator II<br>Stag Protector VUL (Series I)<br>Stag Protector VUL (Series 1.5)<br>Stag Protector II<br>Stag Variable Life<br>Stag Variable Life Artisan<br>Hartford Quantum Life<br>Hartford Quantum II |
| &nbsp;&nbsp;&nbsp;Hartford Life Insurance Company Separate Account VL II | &nbsp;&nbsp;Stag VL Last Survivor (Series I)<br>Stag VL Last Survivor (Series II)<br>Hartford Select Leaders Last Survivor<br>Hartford VUL Last Survivor<br>Hartford Leaders VUL Liberty (Series I)<br>Hartford Leaders VUL Liberty (Series II)<br>Hartford Leaders VUL Legacy (Series I)<br>Hartford Leaders VUL Legacy (Series II)<br>Hartford Leaders VUL Joint Legacy <br>Hartford Leaders VUL Joint Legacy II (Series I)<br>Hartford Leaders VUL Joint Legacy II (Series II)<br>Hartford Leaders VUL Liberty 2012 |

---

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 21 of 26

7985335_1

------

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Separate Accounts** | &nbsp;&nbsp;**Products available within Separate Account:** |
| &nbsp;&nbsp;&nbsp;Hartford Life and Annuity Insurance Company Separate Account VL II | &nbsp;&nbsp;Stag VL Last Survivor (Series I)<br>Stag VL Last Survivor (Series II)<br>Hartford Select Leaders Last Survivor<br>Hartford VUL Last Survivor<br>Hartford Leaders VUL Liberty (Series I)<br>Hartford Leaders VUL Liberty (Series II)<br>Hartford Leaders VUL Legacy (Series I)<br>Hartford Leaders VUL Legacy (Series II)<br>Hartford Leaders VUL Joint Legacy<br>Hartford Leaders VUL Joint Legacy II (Series I)<br>Hartford Leaders VUL Joint Legacy II (Series II)<br>Hartford Leaders VUL Liberty 2012 |

---

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 22 of 26

7985335_1

------

**SCHEDULE II**

**INFORMATION SECURITY REQUIREMENTS**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.<u>Purpose.</u> This Schedule II sets forth the minimum information security program and infrastructure policies (the "<u>Information Security Requirements</u>") that each Party (the "<u>Data Recipient</u>") must meet and maintain in order to protect Confidential Information and Personal Information (collectively, the "<u>Data</u>") of the other Patty (the "<u>Data Provider</u>") from unauthorized use, access, disclosure, theft, manipulation, reproduction and/or possible security breach during the term of the Agreement and for any period of time thereafter during which the Data Recipient has possession of or access to the Data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.<u>Information Security Safeguards.</u> The Data Recipient and all of its Affiliates and Representatives have implemented, currently maintain, and will maintain throughout the term of this Agreement an information security program designed to protect Data, which program includes administrative, technical and physical safeguards (i) to ensure the security and confidentiality of Data; (ii) to protect against any anticipated threats or hazards to the security or integrity of such Data; and (iii) to protect against unauthorized access to or use of Data which could result in harm or inconvenience to the Data Provider or its customers ("<u>Information Security Safeguards</u>").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1<u>Standards & Practices.</u> The Data Recipient's Information Security Safeguards shall incorporate commercially reasonable methods and safeguards to ensure the security, confidentiality, integrity, availability and privacy of the Data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2<u>Information Security Policies.</u> The Data Recipient must have in place and adhere to internal information security and privacy policies that address the roles and responsibilities of the Data Recipient's personnel, including both technical and non-technical personnel, who have direct or indirect access to the Data. These internal security and privacy policies must, at a minimum, include: security policy; organization of information security; asset management; human resources security; physical and environment security; communications and operations management; access control; information systems procurement, development and maintenance; information security incident management; business continuity management; and compliance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3<u>Workspace Security.</u> The Data Recipient's Information Security Safeguards must include reasonable workspace controls designed to protect Customer Information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.4<u>Appropriate Safeguards.</u> The Data Recipient's Information Security Safeguards shall include (i) safeguards against the unauthorized destruction, loss, or alteration of the Data; (ii) safeguards against unauthorized access to such data; and (iii) network and internet security procedures, protocols, security

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 23 of 26

7985335_1

------

gateways and firewalls with respect to such data in accordance with best commercial practices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.5<u>Physical Security Safeguards.</u> The Data Recipient's Information Security Safeguards shall include physical safety and security safeguards at any facilities where any Services are performed or received that meet or exceed reasonable best commercial practices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.<u>Vulnerability Assessments.</u> Without limiting the Data Recipient's obligations set forth in this Agreement, the Data Recipient will maintain, at its own expense, a vulnerability assessment program that is consistent with the Data Recipient's standard process and procedures, or at least annually, on all information applications and/or systems associated with accessing, processing, storage, communication and/or transmission of the Data including the Data Recipient's systems and networks. The assessment program must include a methodology for identifying, quantifying, ranking and mitigating weaknesses in the Data Recipient's systems.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.<u>Third Party Security Assessment.</u> No more than one time per year, the Administrator shall complete HLIC's Third-Party Security Assessment Questionnaire and forward a completed copy to HLIC's information protection department. No more than one time per year, HLIC shall complete Administrator's Third-Party Security Assessment Questionnaire and forward a completed copy to Administrator's information protection department.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.<u>Information Security Infrastructure.</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1<u>Access Controls.</u> The Data Recipient will ensure appropriate access controls are in place to protect the Data. The Data Recipient must also ensure that segregation of duties principles are employed in the assignment of all critical job functions. The Data Provider will be solely responsible for implementing and maintaining access controls on its own systems to which the Data Recipient may be granted access.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2<u>Authorized Persons.</u> The Data Recipient shall limit access to the Data to those of its Representatives who have a need to access such data in connection to the uses permitted by this Agreement ("Authorized Persons"). The Data Recipient shall ensure that each Authorized Person is trained and shall comply with the requirements of the Data Recipient's Information Security Safeguards. The Data Recipient shall re-evaluate its list of Authorized Persons at least annually.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3<u>Password Administration.</u> The Data Recipient's passwords that are associated with access to Data must comply with PCI password requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.4<u>Encryption.</u> The Data Recipient must encrypt all off-site tapes, removable media devices, laptops, e-mail between the Parties, network file transfers, and web transactions. Encryption is provided through commercial grade, industry standard strong cryptographic algorithms, protocols, and commercially reasonable key strengths.

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 24 of 26

7985335_1

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.5<u>Network and Host Security.</u> The Data Recipient must have commercially reasonable and efficient network intrusion detection, firewalls and anti-virus protection in place and functioning properly. The Data Recipient shall use commercially reasonable efforts to ensure that operating systems and applications that are associated with the Data must be patched within a commercially reasonable time period after Data Recipient has actual or constructive knowledge of any security vulnerabilities. The Data Recipient will exercise generally accepted industry standards to protect against malware and Viruses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.<u>Audit and Reporting.</u> Each Data Recipient must conduct annual self-audits to ensure compliance with these Information Security Requirements and its internal information security and privacy policies and, upon request, shall provide a copy of the latest report for such audits to the Data Provider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.<u>Customer Information.</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.1The Data Recipient shall notify the Data Provider, promptly and without unreasonable delay, but in no event more than two (2) Business Days after learning that unauthorized access to, disclosure of, or breach in the security (in each case as defined by Applicable Law) of Customer Information disclosed or provided by the Data Recipient has occurred (a "Security Incident'} Thereafter, the Data Recipient shall, at its own cost and expense:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)promptly furnish to the Data Provider full details of the Security Incident;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)assist and cooperate fully with the Data Provider in the Data Provider's investigation of the Data Recipient and employees or third parties related to the Security Incident (subject to the Data Recipient being present at any discussions with such employees or third parties), including providing the Data Provider with reasonable and necessary physical access to the facilities and operations affected, facilitating interviews with employees and others involved in the matter (subject to the Data Recipient being present at any interviews with such employees or others), and making available all relevant requested records, logs, files, and data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)cooperate with the Data Provider in any litigation or other action against third parties deemed necessary by Data Provider to protect its rights; 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;(d)promptly use its commercially reasonable efforts to prevent a recurrence of any such Security Incident.

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 25 of 26

7985335_1

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.2In addition to the foregoing, the Data Recipient agrees that in the event of a Security Incident, the Data Provider shall have the sole right to determine (i) whether notice is to be provided to any individuals, regulators, law enforcement agencies, consumer reporting agencies, or others as required by law or regulation; (ii) the contents of such notice; and (iii) whether any type of remediation may be offered to affected persons (provided that such remediation shall be limited to two (2) years of credit monitoring at a level at least equal to that offered by Equifax ID Patrol). Any such notice or remediation shall be at the Data Recipient's sole cost and expense.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.3The Data Recipient agrees that its treatment of Customer Information is in compliance with Applicable Laws and/or regulations with respect to privacy and data security and that it has implemented and currently maintains an effective information security program that includes administrative, technical, and physical safeguards to (i) ensure the security and confidentiality of such Customer Information; (ii) protect against any anticipated threats or hazards to the security or integrity of such Customer Information; and (iii) protect against unauthorized access to, destruction, modification, disclosure or use of such Customer Information which could result in substantial harm or inconvenience to the Data Provider, or to any person who may be identified by such Customer Information. The Data Recipient shall immediately notify the Data Provider if the Data Recipient is in material breach of this <u>Schedule II.</u> The Data Recipient shall allow the Data Provider to perform an audit, the scope of which is mutually agreed upon, of the Data Recipient's facilities and records to ensure compliance with the privacy and security provisions of this Agreement.

23343148.1 (Pruco 1891249v4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 26 of 26

7985335_1

## Ex-99.K

---

| | |
|:---|:---|
| ![image.jpg](image.jpg) | ![image.jpg](image.jpg) |
| | Christopher Grinnell<br>Talcott Resolution Law Group<br>1 American Row<br>Hartford, CT 06103<br>Tel. 860-791-0750<br>christopher.grinnell@talcottresolution.com |

---

April 23, 2026

Board of Directors

Talcott Resolution Life and Annuity Insurance Company

1 American Row

Hartford, CT 06103

Re: &nbsp;&nbsp;&nbsp;&nbsp;Talcott Resolution Life and Annuity Insurance Company

Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company

File No. 333-88787

Dear Sir/Madam:

I have acted as Associate General Counsel to Talcott Resolution Life and Annuity Insurance Company (the "Company"), a Connecticut insurance company, and Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company (the "Account") in connection with the registration of an indefinite amount of securities in the form of flexible premium variable life insurance policies (the "Policies") with the Securities and Exchange Commission under the Securities Act of 1933, as amended. I have examined such documents (including the Form N-6 Registration Statement) and reviewed such questions of law as I considered necessary and appropriate, and on the basis of such examination and review, it is my opinion that:

1. The Company is a corporation duly organized and validly existing as a stock life insurance company under the laws of the State of Connecticut and is duly authorized by the Insurance Department of the State of Connecticut to issue the Policies.

2. The Account is a duly authorized and validly existing separate account established pursuant to the provisions of Section 38a-433 of the Connecticut Statutes.

3. To the extent so provided under the Policies, that portion of the assets of the Account equal to the reserves and other contract liabilities with respect to the Account will not be chargeable with liabilities arising out of any other business that the Company may conduct.

4. The Policies, as contemplated by the Form N-6 Registration Statement, constitute legal, validly issued, and binding obligations of the Company.

I hereby consent to the filing of this opinion as an exhibit to the Form N-6 Registration Statement for the Policies and the Account.

Sincerely,

<u>/s/ Christopher M. Grinnell</u>

Christopher M. Grinnell

Vice President and Associate General Counsel

## Ex-99.N

**CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

We consent to the incorporation by reference in this Registration Statement No. 333-88787 on Form N-6 of our report dated April 16, 2026, relating to the financial statements and financial highlights of each of the Sub-Accounts of Separate Account VL I of Talcott Resolution Life and Annuity Insurance Company, appearing on Form N-VPFS, and to the reference to us under the heading "Experts" in the Statement of Additional Information, which is part of such Registration Statement.

/s/ Deloitte & Touche LLP

Hartford, Connecticut

April 23, 2026

## Ex-99.N

**CONSENT OF INDEPENDENT AUDITOR**

We consent to the incorporation by reference in this Registration Statement No. 333-88787 on Form N-6 of our report dated March 27, 2026, relating to the statutory-basis financial statements and financial statement schedules of Talcott Resolution Life and Annuity Insurance Company, appearing in the N-VPFS for the year ended December 31, 2025. We also consent to the reference to us under the heading "Experts" in such Registration Statement.

/s/ Deloitte & Touche LLP

Hartford, Connecticut

April 23, 2026

## Ex-99.Q

Exhibit 30(q)

**Description of Issuance, Increases in or Addition of Insurance Benefits, Transfer and Redemption Procedures for Variable Universal Life Insurance Policies Issued by Talcott Resolution Life and Annuity Insurance Company Pursuant to Rule 6e-3(T)(b)(12)(iii)** 

This document sets forth the administrative procedures, that will be followed by Talcott Resolution Life and Annuity Insurance Company ("the Company", "Talcott", "TLA", "us", "we", "our") in connection with the issuance of the flexible premium Variable Universal Life Insurance Policy ("Policy"), the acceptance of premium payments thereunder, the transfer of assets held thereunder, and the redemption by Owners of the Policy ("Policy Owners") of their interests in the Policy. The document also describes the method that the Company will use in adjusting the payments and cash values when a Policy is exchanged for a fixed benefit insurance policy, as required by Rule 6e- 3(T)(b)(13)(v)(B). Capitalized terms used herein have the same definition as in the prospectuses for the Policy.

This document applies to the following Policies:

---

| | |
|:---|:---|
| Hartford Leaders VUL Legacy (Series I) | 333-148815 |
| Hartford Leaders VUL Legacy (Series II) | 333-148815 |
| Stag Protector VUL (Series I) | 333-83057 |
| Stag Protector VUL (Series I.5) | 333-83057 |
| Stag Protector II | 333-88787 |
| Stag Accumulator II/Stag Variable Life Artisan | 333-07471 |

---

**I.Procedures Relating to Purchase and Issuance of Policies, the Acceptance of Premium Payments, and the Increase in or Addition of Benefits**

&nbsp;&nbsp;&nbsp;&nbsp;**A.Premium Schedules and Underwriting Standards**

After the first premium has been paid, your subsequent premium payments are flexible. Prior to Policy issue, you can choose a Planned Premium, within a range we determined, based on the Face Amount and the insured's sex (except where unisex rates apply), issue age and risk classification. We will send you premium notices for Planned Premium. Such notices may be sent on an annual, semi-annual or quarterly basis. You may also have premium payments automatically deducted monthly from your checking account. When we receive scheduled or regular premium payments from you through pre-authorized transactions such as, checking deduction (ACH), payroll deduction or through a government allocation arrangement, a summary of these transactions will appear on your annual statement and you will not receive a confirmation statement after each transaction. The Planned Premium and payment mode you select are shown on your policy's specifications page. You may change the Planned Premium at any time, subject to our minimum amount rules then in effect.

Prior to the Maturity Date, a Policy Owner may request a change in the amount and frequency of Planned Premium Payments. Policy Owners may also make unscheduled Premium Payments as long as receipt of such payments or change would not disqualify the Policy as life insurance under applicable federal tax laws. The Company reserves the right to require evidence of insurability before accepting any additional Premium Payment that would increase insurance coverage. Policy Owners may change their Premium Payment allocation instructions by making written request to the Company (or any other notification the Company deems satisfactory). Allocation changes will be effective on the date the Company records the change. Any future Premium Payments will be allocated in accordance with the new allocation instructions, unless the Company receives contrary written instructions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.Application and Initial Premium Processing**

**Offer of Policies:** The Policies will be offered and issued pursuant to established underwriting standards and in accordance with state insurance laws, which prohibit unfair discrimination among Policy Owners, but recognize that policy charges must be based upon factors such as sex, age, health, occupation and method of underwriting. Charges for the Policies are not the same for all Policy Owners selecting the same Face Amount. Insurance is based on the principle of pooling and distribution of mortality risks, which assumes that each Owner pays policy charges commensurate with the Insured's mortality risks as actuarially determined using factors such as age, sex, method of underwriting and rate class of the Insured. Uniform policy charges for all Insureds would discriminate unfairly in favor of those Insureds representing greater risk. Although there are no uniform policy charges for all Insureds, there are uniform policy charges for all Insureds of the same rate class, age, sex, Face Amount and policy year. (Age is determined to be the Insured's age as of his or her nearest birthday on the Policy Date.)

**Application:** Individuals and entities wishing to purchase Policies must complete an application and submit it to the Company through an authorized agent who is also a registered representative of a broker-dealer having a selling agreement with the principal underwriter broker-dealer for the Policy. The application must specify the name of each Insured and provide certain required information about Insureds. The application must also specify an initial Face Amount for each Insured. Before an application will be deemed complete so that underwriting can proceed, the application must include the applicant's signature and each Insured's date of birth. In addition, the applicant must submit a signed form from each Insured consenting to the applicant's purchase of insurance on his or her life and providing certain basic information about the Insured (e.g., social security number, date of birth, smoker status, simple health questions). Provided that it is satisfied that appropriate security

------

measures exist to protect confidential information, the Company may permit arrangements with distributors to gather and transmit Insureds' consents by electronic means, e.g. secure websites along with the use of randomly designated IDs. The Company date and time stamps the application and related materials upon receipt.

**Underwriting:** Upon receipt of a completed application in good order, the Company will follow underwriting procedures for life insurance designed to determine whether the proposed Insured is insurable, and to identify the corporate or trust applicant's identity, source of income and financial stability. With respect to individual Insureds, the underwriting process may involve such verification procedures as medical examinations and may require that further information be provided about the proposed Insured before a determination can be made. The underwriting process determines the rate class to which the Insured is assigned if the application is accepted. The Company currently places Insureds in the following rate classes: preferred plus, preferred, standard or substandard rate class. The original rate class applies to the initial Face Amount. The rate class may change upon an increase in the Face Amount. The Company will check information on file with the Medical Information Bureau (a clearinghouse for member insurance companies), and a member of the Company's New Business department may call the proposed Insured and ask a pre-determined set of medical and other insurability questions (the application's "Part II"). Depending on the age and sex of the proposed Insured, such items as medical exams, blood tests, EKG and inspection reports may be ordered. All such requirements are set forth in the Company's underwriting procedures manual. If the application meets the Company's underwriting criteria set forth in the Company's underwriting procedures manual, a Policy in the amount and in the risk class applied for will be issued. See "Issuance of a Policy" below. If the application does not meet the Company's underwriting criteria for Policy issuance, the application will be declined, and a declination letter will be sent to the applicant explaining why the application was declined. If the application does not meet the Company's underwriting criteria for the Policy applied for, but it still meets the Company's criteria for Policy issuance, the Company may issue a Policy on terms other than as applied for. In this instance, the Company will send an adverse underwriting action letter to the applicant along with the offered Policy.

If a premium is submitted with the Policy application and the policy is not applied for through the Issue First Program, insurance coverage will begin immediately if the proposed Insured is insurable at a standard rate under a binding premium receipt agreement. Otherwise, insurance coverage will not begin until the Policy's Issue Date. In either case, the Policy when issued will be effective from the date the Company receives the initial premium at its Individual Life Operations Center.

If a policy is applied for through the Issue First program, insurance coverage at Standard rates will begin immediately if the following conditions are met: 1) the first full modal premium is received, 2) a state-specific long-form application is submitted along with a compliant illustration, and 3) the proposed Insured truthfully responds "No" to all insurability questions contained in the Issue First Binding Premium Receipt. Otherwise, insurance coverage will not begin until the Policy's Issue Date. If a better risk class than Standard is obtained during the underwriting process, the policy will be endorsed upon policy issue to reflect the better class.

If a premium is not paid with the application, insurance coverage will begin and the Policy will be effective on the later of the date the underwriting determination is made and the date the premium is received.

The minimum initial Premium Payment the Company will accept is the amount necessary to pay the Monthly Deduction Amount due but not less than $50.

In addition to the foregoing procedures, before the Company will issue a Policy, it, on behalf of the underwriting broker-dealer, must take certain steps to comply with federal laws intended to combat terrorism and money laundering. The Company will conduct a screen of each Owner, applicant and Insured name as against the list maintained by the U.S. Department of Treasury's Office of Foreign Asset Control (OFAC). If a positive identification is made, the Company may be required to (i) reject and report the transaction, or (ii) block the transaction, place the funds or assets in a separate blocked transaction account, and report the matter to OFAC. These procedures will be followed in connection with all Premium Payments, all loan transactions, all assignments and other Policy changes, and payment of any surrender or Death Benefit proceeds. In keeping with its required anti-money laundering program, the Company and its broker-dealer will regularly monitor Policy transactions for suspicious activity and other violations of anti- money laundering laws, rules, and regulations. The Company will not accept cash or currency equivalent bearer instruments.

The Company will participate in the exchange of an existing life insurance policy for a Company Policy, which exchange would qualify under the Internal Revenue Code section 1035 as a tax-free exchange, as long as all proper disclosure and replacement forms have been completed and submitted.

**Issuance of a Policy:** When the underwriting process has been completed, and the application has been approved, the Company issues the Policy. The Policy Date will be the date the Policy is issued or such other date the applicant requests. The Policy Date is used to determine Policy Anniversaries, Policy Years and monthly Deduction Dates, which are significant for such things as when Policy charges are assessed. Depending on state law, a policy may be back-dated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.Premium Processing**

Whenever a premium is received, and before your premium is allocated to the Sub-Accounts and/or the Fixed Account, we deduct a percentage from your premium for a sales load and for a tax charge. The amount allocated after the deduction is called your Net Premium. If received by 4:00 p.m. Eastern Time (1) by the Company, the Net Premium will be placed in and credited to the Fixed Account and/or Investment Option as directed by the Owner, on the date received by the Company. If there is an allocation to an Investment Option and the date received is not a Valuation Day, the amounts will be placed in and credited to the Investment Option on the next Valuation Day. For allocations to Investment Options the Company determines the number of Accumulation Units to be credited by dividing the dollar amount allocated to the Investment Option by the Investment Option's Accumulation Unit value as of the next computed Accumulation Unit value of the Investment Option following its

------

receipt. Premium Payments received after 4:00 p.m. Eastern Time by the Company will be processed as of the next Valuation Day.

The Policy Owner can allocate the Initial Premium among the Fixed Account and various Investment Options. The Fixed Account and the various Investment Options are collectively referred to as Investment Choices. The Policy Owner must submit a Net Premium Allocation Form that instructs the Company as to the amount of premium to be allocated to each Investment Choice under the Policy.

The Policy has a Right to Examine the Policy ("Free Look") provision, which gives Policy Owners the right to cancel the Policy within 10 days that it is received (or longer in some states). After the Policy is issued and upon commencement of the Free-Look Period, any Initial Net Premium and any additional Net Premium received by us prior to the end of the Free Look period will be applied to the Money Market Sub-Account as of the later of: (a) the Policy Date; and (b) the date we receive the Premium. At the end of the applicant's Right to Examine Period, the Account Value in the Money Market Investment Option will be allocated to the Fixed Account (if applicable) and among the Investment Options selected by the applicant on the All-in-One Fund Selection Form in the percentages indicated. The Policy Owner may select up to 20 Investment Choices to allocate their premium, or the maximum number of investment choices currently allowed by us. An allocation to any one Investment Choice must be in whole percentages. When allocating the Initial Premium Payment according to the All-in-One Fund Selection Form, the Company will process it as of the next computed Accumulation Unit value of an Investment Option after determining that it and the application are in good order, including delivery requirements.

If the Policy Owner cancels the Policy during the Free Look period, upon returning the Policy to the Company or to an authorized agent for forwarding to the Company's Individual Life Operations Center, the Policy will be rescinded and we will pay an amount equal to the greater of: (a) the total premiums paid for the Policy less any Indebtedness; and (b) the sum of: (i) the Account Value less and Indebtedness, on the date the returned Policy is received by the Company or the agent and, (ii) any Policy charges taken. With respect to any investment in the Investment Options, the redemption will be priced at the Accumulation Unit value next computed after receipt of the cancellation request at the designated address.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.Reinstatement**

A Policy that lapses without value (and has not been surrendered for cash) may be reinstated provided:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The insured is alive at the end of the grace period and is also alive on the date of reinstatement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)The Policy Owner makes a request In Writing within five years from the Termination Date;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Satisfactory evidence of insurability is submitted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)Any Indebtedness at the time of termination must be repaid or carried over to the reinstated policy; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)A premium is paid equal to or greater than the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)an amount necessary to cover all Monthly Deduction Amounts that are due and unpaid during the Policy Grace Period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)an amount necessary to keep the Policy in force for 3 months after the date of reinstatement.

Upon reinstatement, the Account Value on the reinstatement date will equal:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)the Cash Value at the time of termination; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Net Premiums attributable to premiums paid at the time of reinstatement; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)the Monthly Deduction Amounts that were due and unpaid during the Policy Grace Period; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)any indebtedness carried over to the reinstated Policy.

The allocation of the Account Value will be based on the allocation instructions in effect at the start of the Grace Period, unless the Policy Owner instructs otherwise.

Any Surrender Charge will be based on the duration from the original Policy Date as though the Policy had never default.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**E.Loan Repayments**

Loans can be made on the Policy at any time while the Insured is living. The Policy must be properly assigned as collateral for the loan. The loan must be repaid with an amount equal to the original loan plus loan interest. When a loan is made, the Company will take the loan amount requested from the Investment Options and the Fixed Account in proportion to the non-loaned account value of each on the date of the loan. Shares taken from the Investment Options are liquidated and the resulting dollar amounts are transferred to the Loan Account. The Company may delay the granting of any loan attributable to the Separate Account during any period that the New York Stock Exchange (or its successor) is closed except for normal weekend and holiday closings, or trading is restricted, or the Securities and Exchange Commission (or its successor) determines that an emergency exists, or the Securities and Exchange Commission (or its successor) permits the Company to delay payment for the protection of its Policy Owners. The amount equal to any outstanding Indebtedness is held in the Loan Account and is credited with interest at a rate declared in the policy. As long as there is Indebtedness, a portion of the Policy's Account Value equal to the Indebtedness is held in the Loan Account.

Policy Indebtedness (which includes accrued loan interest) must not equal or exceed the Policy's Cash Value. If this limit is reached, the Company may terminate the Policy. The interest rate charged on Indebtedness is declared in the policy. Loan Interest accrues daily and becomes part of the Indebtedness as it accrues. Because the interest charged on Indebtedness may

------

exceed the rate credited to the Loan Account, the Indebtedness may grow faster than the Loan Account. If this happens, any difference between the value of the Loan Account and the Indebtedness will be transferred on each Monthly Activity Date from the Investment Options and the Fixed Account in proportion to the non-loaned account value of each.

All or part of any Indebtedness may be repaid at any time while the Insured is living and while the Policy is in force. Any repayment results in the transfer of values equal to the repayment from the Loan Account to the Fixed Account and Investment Options. The transfer is made in percentages to the Investment Options and Fixed Account as premium payments. If the Indebtedness is not repaid, the Company will deduct the amount due from any amount payable from a full surrender or upon the death of the Insured.

&nbsp;&nbsp;&nbsp;&nbsp;**F.Increases in or Addition of Insurance Benefits**

At any time after the first Policy year, you may request in writing to change the Face Amount. The minimum amount by which the Face Amount can be increased or decreased is based on our rules then in effect.

We reserve the right to limit the number of increases made under a Policy to no more than one in any 12 month period.

All requests to increase the Face Amount must be applied for on a new application and accompanied by your Policy. All requests will be subject to evidence of insurability satisfactory to us. Any increase approved by us will be effective on the Monthly Activity Date shown on the new Policy specifications page, provided that the monthly deduction amount for the first month after the effective date of the increase is made. Any unscheduled increase will be subject to additional Monthly Per $1,000 Charges, additional cost of insurance charges and additional surrender charges, all of which are based on the attained age of the insured at the time of the increase. We will send you additional Policy specification pages describing these charges.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**G.Allocations of Net Premium Payments Between the Separate Account and the Fixed Account.**

The Separate Account. A Policy Owner may allocate Net Premium Payments to one or more of the Investment Options of the Separate Account. Investment Options may be added or deleted from time to time. When an Owner allocates an amount to an Investment Option (either by Net Premium Payment allocation, transfer of Account Value, or repayment of Indebtedness), the Policy is credited with Accumulation Units in that Investment Option. The Company determines the number of Accumulation Units by dividing the dollar amount allocated or transferred to the Investment Option by the Investment Option's Accumulation Unit value as of the next Valuation Day after the Company receives the request. When an allocation is made by way of transfer of Account Value from another Investment Option, Accumulation Units are deleted from that Investment Option. The number deleted is determined in the same manner as if an investment in the Investment Option was being made. Transfers between Investment Options will result in the addition or reduction of Accumulation Units having a total value equal to the dollar amount being transferred to or from a particular Investment Option.

Accumulation Unit Value. An Accumulation Unit value varies to reflect the investment experience of the underlying Fund, and may increase or decrease from one Valuation Day to the next. The Company arbitrarily set the Accumulation Unit value for each Investment Option at either $10 or $1 when it established the Investment Option. For each Valuation Period after the date of establishment, the Company determines the Accumulation Unit value by multiplying the Accumulation Unit value for an Investment Option for the prior Valuation Period by the net investment factor for the Investment Option for the Valuation Period.

Net Investment Factor. The net investment factor is an index the Company uses to measure the investment performance of an Investment Option from one Valuation Period to the next. The net investment factor for each Investment Option is equal to the net asset value per share of the corresponding Fund at the end of the Valuation period (plus the per share amount of any dividend or capital gain distributions paid by that Fund in the Valuation Period then ended) divided by the net asset value per share of the corresponding Fund at the beginning of the Valuation Period.

The Fixed Account: The Company offers a Fixed Account on some of the policies. There are transfer restrictions on the Fixed Account described in the prospectus. Subject to certain restrictions as to frequency of transfers and amount, Policy Owners may also allocate Net Premium Payments to the Fixed Account. The Company credits the portion of Account Value allocated to the Fixed Account with interest at not less than the Minimum Fixed Account Crediting Rate.

---

| | |
|:---|:---|
| PRODUCT | MINIMUM FIXED ACCOUNT CREDITING RATE |
| Stag Protector (Series I and 1.5) | 3.5% |
| Stag Artisan | 4% |
| Stag Accumulator II | 3% |
| Stag Protector II | 3% |
| Hartford Leaders VUL Legacy (Series I and II) | 3% |

---

Allocations between the Separate Account and the Fixed Account: Net Premium Payments are allocated to the Investment Options or the Fixed Account in accordance with the following procedures:

General: In the application for the Policy, the Owner specifies the percentage of Net Premium Payments to be allocated to each Investment Option of the Separate Account and/or to the Fixed Account. The percentage of each Net Premium Payment that

------

may be allocated to any Investment Option and the sum of the allocation percentages, including the Fixed Account, must be 100%. Such allocation percentages may be changed at any time by the Owner submitting satisfactory notice to the Company.

Allocations during the Right to Examine Period. After underwriting (if applicable), and during the Right to Examine Period, all Net Premium Payments will be temporarily transferred to the Money Market Investment Option until the Right to Examine Period is ended.

Allocations after the Right to Examine Period. Unless otherwise specified by the Owner, additional Net Premium Payments received after the Right to Examine Period ends will be credited to the Policy and allocated to the Investment Options and/or Fixed Account in accordance with the allocation percentages in effect on the Valuation Day that the Premium Payment is received.

**II.Transfers**

After the Right to Examine Period, the Policy Owner may direct that Account Value under the Policy be transferred from one Investment Option to another. Currently, there is no charge for transfers. However, the Company reserves the right to charge a maximum of $25 per transfer after the first in any month. In addition, though the number of transfers is not currently limited, the Company reserves the right to restrict or eliminate the ability to make transfer of those it believes are engaged in market timing or excessive trading. Transfer requests received at the Company's Individual Life Service Center that are in good order before 4:00 p.m. Eastern Time will be processed according to the values next computed following the close of business. Transfer requests received on a non-business day or after 4:00 p.m. Eastern Time will be processed based on the value(s) next computed on the next business day.

Transfers from the Fixed Account must be made within 30 days after a Policy Anniversary. The maximum amount transferred from the Fixed Account to the Investment Options is the greater of $1,000 and 25% of the Accumulated Value in the Fixed Account.

The Company makes available an optional dollar-cost averaging (DCA) program through which the Policy Owner may make systematic transfers of value between the available Investment Options and the Fixed Account. Once elected, dollar-cost averaging remains in effect from the date the Company receives the Policy Owner's request until the Policy Owner surrenders the Policy, the value of the Investment Option from which transfers are being made is depleted, or until the Policy Owner cancels the program by giving satisfactory notice. There is currently no additional charge for dollar-cost averaging and transfers under this program are not considered transfers for purposes of market timing or excessive trading or the transfer charge.

An optional automatic portfolio rebalancing program is available. The Policy Owner may elect this option by completing the Company's rebalancing form. Policy Owners may instruct the Company to rebalance their Separate Account portfolios on a calendar quarter, semi-annual, or annual basis. On the rebalancing date, portfolios will be returned to the Policy Owner's original allocation percentages. Policy Owners may start and stop rebalancing at any time and make changes to allocation percentages by written request. Requests will be effective on the Valuation Day on which received at our Individual Life Service Center; if received on other than a Valuation Day the request will be effective on the next Valuation Day. There is currently no additional charge for this program and transfers under this program are not considered transfers for purposes of market timing or excessive trading or the transfer charge.

In accordance with industry practice, the Company has established procedures to address and to correct errors in amounts transferred among the Investment Options and Fixed Accounts, except for de minimis amounts. In the unlikely event a non-de minimis transfer error is made, the Company will complete an undo-redo transaction and correct the transfer as of the original request date making the Owner whole. The Company will bear any loss resulting from the error.

**III.Redemption Procedures: Surrenders and Related Transactions**

The Policies provide for the payment of monies to a Policy Owner or beneficiary upon presentation of a Policy. Generally, except for the payments of death benefits, the imposition of cost of insurance and administrative charges, the Policy Owner will receive a pro rata or proportionate share of the Separate Account's assets, within the meaning of the 1940 Act, in any transaction involving "redemption procedures." The amount received by the Policy Owner will depend upon the particular benefit for which the Policy is presented, including, for example, the cash surrender value or death benefit. There are also certain Policy provisions (e.g. withdrawals or loans) under which the Policy will not be presented to the Company, but which will affect the Policy Owner's benefits and may involve a transfer of the assets supporting the Policy reserve out of the Separate Account.

Any combined transactions on the same day which counteract the effect of each other will be allowed. The Company will assume the Policy Owner is aware of the possible conflicting nature of the transactions and desires their combined result. If a transaction is requested which the Company will not allow (e.g. a request for a decrease in death benefit which lowers the amount below the stated minimum) the Company will reject the entire transaction and not just the portion which causes the disallowance. The Policy Owner will be informed of the rejection and will have an opportunity to give new instructions.

The Company will normally pay any Death Proceeds, Cash Surrender Values, withdrawals and loan amounts within seven days after receipt at its Individual Life Operations Center of all requirements unless:

(a)the New York Stock Exchange is closed on other than customary weekend and holiday closings or trading on the New York Stock Exchange is restricted as determined by the Securities and Exchange Commission (SEC); or

(b)an emergency exists, as determined by the SEC, as a result of which disposal of securities is not reasonably practicable to determine the value of the Sub-Accounts; or

(c)the SEC, by order, permits postponement for the protection of policy owners.

------

The Company may defer payment of proceeds from the Fixed Account for Cash Surrender Values, withdrawals and loan amounts for up to six (6) months from the date the request is received, if permitted by state law. In addition, federal laws designed to counter terrorism and prevent money laundering might require the Company to block an Owner's ability to make certain transactions and thereby refuse to accept any request for transfers, surrenders, partial surrenders, or death benefits until instructions are received from the appropriate regulator. These procedures are described in more detail in "Underwriting," above.

**A.Surrenders for Cash Surrender Value**

The Owner may surrender the Policy at any time while it is in force for its Cash Surrender Value by giving the Company satisfactory notice. The Cash Surrender Value on any Valuation Day is the Cash Value less any Indebtedness. Surrender requests received at the Company's Individual Life Operations Center that are in good order and date and time stamped before 4:00 p.m. Eastern Time will be processed according to the values next computed following the close of business (unless the Owner requests a later date). Surrender requests received on a non-business day or date or time stamped after 4:00 p.m. Eastern Time will be processed based on the value(s) next computed on the next business day. When a surrender of a Policy is made, the Company will pay the Cash Surrender Value out of its general assets. An amount equal to the interest of the Policy will be transferred from the Separate Account to the Company's general account as of the effective date of the surrender. Once a Policy is surrendered, it can never be reinstated.

**B.Withdrawals**

Policy Owners may also request a withdrawal of Cash Surrender Value from the Policy. The minimum amount is $500. The withdrawal request will be date and time stamped. Withdrawal requests received at the Company's Individual Life Operations Center that are in good order and date and time stamped before 4:00 p.m. Eastern Time will be processed according to the values next computed following the close of business (unless the Owner requests a later date). Withdrawal requests received on a non-business day or date or time stamped after 4:00 p.m. Eastern Time will be processed based on the value(s) next computed on the next business day. Unless the Owner specifies otherwise, the Company will make withdrawals proportionately from the Fixed Account and all Investment Options in which the Owner is invested. The Company will pay the requested amount within seven days of its receipt of the request in good order.

Withdrawals will reduce the Policy's death benefit as well as its Account Value. If the Death Benefit Option in effect at the time of the withdrawal is Option A (Level Option) or Option C (Return of Premium Option), the Face Amount will be reduced by the amount equal to the reduction in the Account Value resulting from the withdrawal. If the Death Benefit Option in effect at the time of the withdrawal is Option D (Decreasing Option), the withdrawal will result in a reduction in the Option Adjustment Amount, but the Option Adjustment Amount will not be allowed to become negative. If the Option Adjustment Amount becomes zero, any remaining and/or additional withdrawal amounts will result in a reduction in the Face Amount.

**C.Death Claims**

The Company will pay the Death Proceeds (Death Benefit less Indebtedness) to the beneficiary normally within seven days after receipt, at its Individual Life Operations Center, of the Policy, due proof of death of the Insured, and all other requirements to make payment.

The death benefit amount is determined as of the date of death. All or part of the benefit can be paid in cash or applied under one or more of our payment options described in the prospectus. The death benefit payable will depend on the option in effect at the time of death. Different Policies have different death benefit options available to the Policy Owner. Under death benefit option A, the death benefit equals the current face amount on the date of death. Under death benefit option B, the death benefit is the sum of the current face amount on the date of death plus the account value on the date of death. Under death benefit option C, the Death Benefit is the current Face Amount, plus the lesser of: (i) the sum of the premiums paid; and (ii) the Death Benefit Option C Limit shown in the Policy Specifications. Under option D the Death Benefit is the current Face Amount, plus the lesser of: (i) the Account Value on the date the Company receives due proof of the Insured's death; and (ii) the Option Adjustment Amount. On the date the death benefit option is changed to Option D, the Option Adjustment Amount is the Account Value on the date of the change. Thereafter, the Option Adjustment Amount will be reduced by any Withdrawals.

The minimum death benefit is equal to account value times the minimum face amount percentage. The percentages depend upon the Insured's age and are specified under Internal Revenue Code Section 7702(b) or (d), depending which test the policy is qualifying under, and are set forth in the Policy. Death Proceeds equal the Death Benefit less Indebtedness and less any due and unpaid Monthly Deduction Amounts occurring during a Policy Grace Period. The Death Benefit is equal to the greater of the Death Benefit provided by the Death Benefit Option chosen and the Minimum Death Benefit.

Any Monthly Deduction Amounts taken after the date of the Insured's death and before the Company receives Due Proof of Death will be added to the Account Value for purposes of determining Death Proceeds. All amounts used in determining the Death Proceeds are calculated as of the date the Company receives Due Proof of Death.

The Company will pay interest on the Death Proceeds of at least 2% per year (or higher, if required by the laws of the state in which this Policy is issued) from the date the Company receives notification of the Insured's death to the date payment is made or an Income Settlement Option is elected.

If the Insured dies after the Company receives a request In Writing from the Policy Owner to surrender the Policy, the Cash Surrender Value will be paid in lieu of the Death Proceeds.

------

**D.Default and Options on Lapse**

The Policy is issued with a No Lapse Guarantee. It will remain in force at the end of the Policy Grace Period as long as the No Lapse Guarantee is available. The No Lapse Guarantee is available as long as:

• The Policy is issued to an insured age 85 or less (75 or less for Stag Protector II and Accumulator II) ;

• The No Lapse Guarantee Period has not expired; and

• On each Monthly Activity Date during the No Lapse Guarantee Period, the cumulative premiums paid into the Policy, less Indebtedness and less withdrawals, equal or exceed an amount known as the Cumulative No Lapse Guarantee Premium.

Starting on the effective date of your Policy, the length of the No Lapse Guarantee Period is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 20 years or to age 75 if sooner, but never less than 5 years for Hartford Leaders VUL Legacy Series I and Series II.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The lesser of 10 years and to age 80 for Stag Protector VUL Series I and 1.5.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 10 years for Stag Variable Life Artisan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 10 years or to age 75 if sooner, but never less than 5 years for Stag Protector II and Stag Accumulator II.

Your Policy will go into default on any Monthly Activity Date on which the Account Value less Indebtedness is not sufficient to cover the Monthly Deduction Amount and the No Lapse Guarantee is not available. If the Policy goes into default, the Company will send the Policy Owner a notice warning them that the Policy is in danger of terminating. This notice will be mailed at least 61 days prior to termination of coverage. It will be mailed both to the Policy Owner and to any assignee of record, at their last known address(es). This notice will tell the Policy Owner the minimum premium required to keep the Policy from terminating. This minimum premium will never be greater than an amount which results in a Cash Surrender Value equal to the current Monthly Deduction Amount plus the next two Monthly Deduction Amounts as of the date the Policy went into default. Failure to submit a sufficient Premium Payment within the Grace Period will result in lapse of the Policy without value or benefit payable.

**E.Loans**

Loans can be made on the Policy at any time while the Insured is living. The Policy must be properly assigned as collateral for the loan. The loan must be repaid with an amount equal to the original loan plus loan interest.

When a loan is made, the Company will take the loan amount requested from the Investment Options and the Fixed Account in proportion to the non-loaned account value of each on the date of the loan. Shares taken from the Investment Options are liquidated and the resulting dollar amounts are transferred to the Loan Account. The Company may delay the granting of any loan attributable to the Separate Account during any period that the New York Stock Exchange (or its successor) is closed except for normal weekend and holiday closings, or trading is restricted, or the Securities and Exchange Commission (or its successor) determines that an emergency exists, or the Securities and Exchange Commission (or its successor) permits the Company to delay payment for the protection of its Policy Owners. The amount equal to any outstanding Indebtedness is held in the Loan Account and is credited with interest at a rate declared in the policy. As long as there is Indebtedness, a portion of the Policy's Account Value equal to the Indebtedness held in the Loan Account.

Policy Indebtedness (which includes accrued loan interest) must not equal or exceed the Policy's Cash Value. If this limit is reached, the Company may terminate the Policy. The interest rate charged on Indebtedness is declared in the policy. Loan Interest accrues daily and becomes part of the Indebtedness as it accrues. Because the interest charged on Indebtedness may exceed the rate credited to the Loan Account, the Indebtedness may grow faster than the Loan Account. If this happens, any difference between the value of the Loan Account and the Indebtedness will be transferred on each Monthly Activity Date from the Investment Options and the Fixed Account in proportion to the non-loaned account value of each.

Since the Company transfers the amount borrowed from the Investment Options, a loan whether or not repaid, will have a permanent effect on Cash Surrender Value and may have a permanent effect on the Death Benefit. This is because the Loan Account does not share in the investment results of the Investment Options. Rather, the Loan Account earns interest daily at a specified crediting rate. Depending on how the investment results compare to the crediting rate, this effect may be favorable or unfavorable. This is true whether the loan is repaid or not. If not repaid, the loan will reduce the amount of death benefit.

## Ex-32

The Separate Accounts of Talcott Resolution Life Insurance Company ("TL") and Talcott Resolution Life and Annuity Insurance Company ("TLA") are the listed Registrants. TL and TLA are the Depositors. Entities that are controlled by TAO Insurance Holdings, LLC, which controls the Depositors, are listed below, along with entities that are owned or controlled by the Depositors.

Alan Waxman and Anthony M. Muscolino (Individuals) (1)

TAO Insurance Holdings, LLC (DE) (2)

TAO Sutton Holdings, LLC (CYM) (3)

Talcott Financial Group Investments, LLC (BMU)

Talcott Financial Group, Ltd. (BMU)

Talcott US Holdings, Ltd. (BMU)

Talcott Re FinCo, Ltd. (BMU)

Talcott Re Holdings, Ltd. (BMU)

Talcott Life Re, Ltd. (BMU)

Talcott Life & Annuity Re SPC, Ltd. (CYM)

Sutton Cayman Holdings, Ltd. (CYM)

Talcott Financial Group GP, LLC (DE)

Talcott Holdings, LP (DE)

Talcott Resolution Distribution Company, Inc. (CT)

Talcott Acquisition, Inc. (DE)Talcott Resolution Life, Inc. (DE)

American Maturity Life Insurance Company (CT)

Talcott Resolution Life Insurance Company (CT)

TR Re, Ltd. (BMU)

Talcott Resolution Life and Annuity Insurance Company (CT)

Talcott Resolution International Life Reassurance Corporation (CT)

Talcott Resolution Comprehensive Employee Benefit Service Company (CT)

Talcott Administration Services Company, LLC (DE)

LIAS Administration Fee Issuer LLC (DE)

(1) Pursuant to the operating agreement of TAO Insurance Holdings, LLC, Alan Waxman, as a member of TAO Insurance Holdings, LLC, has the authority to appoint the managing member of TAO Insurance Holdings, LLC and has appointed A. Michael Muscolino.

(2) TAO Insurance Holdings, LLC is the managing member of TAO Sutton Holdings, LLC and TAO Sutton Parent, LLC (DE), and Sixth Street TAO Management, LLC.

(3) TAO Sutton Parent, LLC and certain additional co-investment vehicles hold 100% of the passive, non-voting economic interest in TAO Sutton Holdings, LLC. 11 parallel investment vehicles known as the TAO Funds hold 100% of the passive, non-voting economic interest in TAO Sutton Parent, LLC. TAO Insurance Holdings, LLC is the managing member of TAO Sutton Parent LLC with 100% voting control. All of the TAO Funds and co-investment vehicles are under the ultimate control of Alan Waxman and/or Michael Muscolino. None of the co-investors investing through either the TAO Funds or the co-investment vehicles hold any voting securities of the identified entities or have the ability to appoint directors. Certain of the TAO Funds are also indirect owners Klaverblad Levensverzekering N.V., Lifetri, Uitvaartverzekeringen N.V., and Lifetri Verzekeringen N.V.

<br>