# EDGAR Filing Document

**Accession Number:** 0001116625
**File Stem:** 0001193125-26-191280
**Filing Date:** 2026-4
**Character Count:** 85587
**Document Hash:** ad7476fa8cc24931865e49c4fabf286f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-191280.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001193125-26-191280

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SBL VARIABLE ANNUITY ACCOUNT XIV
- **CENTRAL INDEX KEY:** 0001116625

**ORGANIZATION NAME:**
- **EIN:** 480409770
- **STATE OF INCORPORATION:** KS
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-138540
- **FILM NUMBER:** 26915189

**BUSINESS ADDRESS:**
- **STREET 1:** SECURITY BENEFIT LIFE INSURANCE CO
- **STREET 2:** ONE SECURITY BENEFIT PLACE
- **CITY:** TOPEKA
- **STATE:** KS
- **ZIP:** 66636-0001
- **BUSINESS PHONE:** 7854383000

**MAIL ADDRESS:**
- **STREET 1:** SECURITY BENEFIT LIFE INSURANCE CO
- **STREET 2:** ONE SECURITY BENEFIT PLACE
- **CITY:** TOPEKA
- **STATE:** KS
- **ZIP:** 66636-0001

## Series and Classes Contracts Data

### SBL VARIABLE ANNUITY ACCOUNT XIV (Series ID: S000010520)

| Class ID   | Class Name                    | Ticker Symbol   |
|:---|:---|:---|
| C000042185 | EliteDesigns Variable Annuity |  |

**ELITEDESIGNS**<sup>®</sup> **VARIABLE ANNUITY**

**(for Contracts issued before April 18, 2011)**

**May 1, 2026**

**Individual Flexible Purchase Payment Deferred Variable Annuity Contract**

**SBL Variable Annuity Account XIV**

**Updating Summary Prospectus for Existing Investors** 

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| | |
|:---|:---|
| **Issued By:** | **Mailing Address:** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Security Benefit Life Insurance Company** <br> **One Security Benefit Place**<br> **Topeka, Kansas 66636-0001**<br> **1-800-888-2461**<br> **www.securitybenefit.com**<br>| **Security Benefit Life Insurance Company**<br> **P.O. Box 750497**<br> **Topeka, Kansas 66675-0497**<br>|

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This Updating Summary Prospectus describes the EliteDesigns Variable Annuity (the "Contract"), which is an Individual Flexible Purchase Payment Deferred Variable Annuity Contract issued by Security Benefit Life Insurance Company (the "Company"). This Updating Summary Prospectus is used with current owners.

The Prospectus of the Contract contains more information about the Contract, including its features, benefits and risks. You can find the current Prospectus and other information about the Contract online at <u>https://vpx.broadridge.com/GetContract1.asp?doctype=pros&cid=sblife&fid=814121281</u>. You can also obtain this information at no cost by calling 1-800-888-2461 or by sending an email request to SBLProspectusRequests@securitybenefit.com.

The Contract is a complex investment and involves risks, including potential loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in surrender charges, taxes, and tax penalties. Our obligations under the Contract are subject to our financial strength and claims-paying ability.

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

SB-10009-20 2026/05/01

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**Table of Contents**

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| | |
|:---|:---|
|  | Page |
| **[Special Terms](#xx_56463d03-7e97-4a32-9cf5-7e7aeb6a6783_1)** | **3**  |
| **[Updated Information About Your Contract](#xx_56463d03-7e97-4a32-9cf5-7e7aeb6a6783_1)** | **3**  |
| **[Important Information You Should Consider About the Contract](#xx_56463d03-7e97-4a32-9cf5-7e7aeb6a6783_1)** | **3**  |
| **[Appendix A](#xx_c3a8a0af-53a2-4ab0-b83b-3bde71229623_1)[–](#xx_c3a8a0af-53a2-4ab0-b83b-3bde71229623_1)[Investment Options Available Under the Contract](#xx_c3a8a0af-53a2-4ab0-b83b-3bde71229623_1)** | **A-1**  |
| &nbsp;&nbsp;&nbsp; [Underlying Funds](#xx_c3a8a0af-53a2-4ab0-b83b-3bde71229623_1) | A-1  |

---

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**Special Terms**

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Various terms commonly used in this Updating Summary Prospectus are defined as follows:

**Company —** Security Benefit Life Insurance Company. The Company is also identified herein as "we," "our," or "us."

**Contract —** The flexible purchase payment deferred variable annuity contract described in this Updating Summary Prospectus.

**Contract Date —** The date the Contract begins as shown in your Contract. Contract anniversaries are measured from the Contract Date. The Contract Date is usually the date that the initial Purchase Payment is credited to the Contract.

**Contract Value —** The total value of your Contract as of any Valuation Date.

**Internal Revenue Code or the Code —** The Internal Revenue Code of 1986, as amended.

**Owner —** The person entitled to the ownership rights under the Contract and in whose name the Contract is issued.

**Purchase Payment —** An amount initially paid to the Company as consideration for the Contract and any subsequent amounts paid to the Company under the Contract.

**Separate Account —** SBL Variable Annuity Account XIV, a separate account of the Company that consists of accounts, referred to as Subaccounts, each of which invests in a corresponding Underlying Fund.

**Subaccount —** A division of the Separate Account which invests in a corresponding Underlying Fund.

**Underlying Fund —** A mutual fund or series thereof that serves as an investment vehicle for its corresponding Subaccount.

**Updated Information About Your Contract**

------

The following is a summary of certain Contract features that have changed since May 1, 2025, the date of the last Prospectus. This does not reflect all of the changes that have occurred since you entered into your Contract.

**Summary of Recent Contract Changes:**

The following changes in the availability of Underlying Funds under the Contract have occurred:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>●</sup>

The following Underlying Funds were liquidated and are no longer available under the Contract: PIMCO VIT International Bond (Unhedged).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>●</sup>

The following additional Underlying Funds are available under the Contract: Invesco V.I. S&P 500 Buffer Fund – December, Invesco V.I. S&P 500 Buffer Fund – June, Invesco V.I. S&P 500 Buffer Fund – March, Invesco V.I. S&P 500 Buffer Fund – September.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>●</sup>

As a result of a fund merger, Invesco V.I. Global Core Equity merged into Invesco V.I. Global and Invesco V.I. Global Core Equity is no longer available under the Contract.

Additional information about the Underlying Funds, including certain fund name and adviser changes, is included in Appendix A to this Updating Summary Prospectus.

**Important Information You Should Consider About the Contract**

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **Location in Prospectus** |
| **Are There** <br> **Charges or**<br>| **Yes.** At the time of purchase of the Contract, you may select a 0-Year or <br> 5-Year withdrawal charge schedule. The Company may assess a withdrawal | **Fee Table** |

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**FEES, EXPENSES AND ADJUSTMENTS** **Location in Prospectus** 

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**RISKS** **Location in Prospectus** 

**RESTRICTIONS** **Location in Prospectus** 

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**TAXES** **Location in Prospectus** 

**CONFLICTS OF INTEREST** **Location in Prospectus** 

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APPENDIX A

**Investment Options Available Under the Contract**

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**Underlying Funds —** The following is a list of Underlying Funds available under the Contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended or updated from time to time, and can be found online at https://vpx.broadridge.com/GetContract1.asp?doctype=pros&cid=sblife&fid=814121281. You can view, download, and print copies of Underlying Fund documents at this website. You can also request this information at no cost by calling 1-800-888-2461 or by sending an email request to SBLProspectusRequests@securitybenefit.com.

The current expenses and performance information below reflect the fees and expenses of the Underlying Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Underlying Fund's past performance is not necessarily an indication of future performance. Updated performance information is available online at https://www.securitybenefit.com/performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup>  | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup>  | **1 Year** | **5 Year** | **10 Year** |
| Mid Cap Value | AB Discovery Value – Class B<br> *Adviser:* AllianceBernstein L.P.<br>| 1.07% | &nbsp;&nbsp;&nbsp;&nbsp; 2.64% | &nbsp;&nbsp;&nbsp; 8.48% | &nbsp;&nbsp;&nbsp; 8.27% |
| Large Cap <br> Value<br>| AB Relative Value – Class B<br> *Adviser:* AllianceBernstein L.P.<br>| 0.85% | &nbsp;&nbsp; 10.20% | 11.15% | 10.30% |
| Global Equity | AB Sustainable Global Thematic – Class B<br> *Adviser:* AllianceBernstein L.P.<br>| 1.25% | &nbsp;&nbsp;&nbsp;&nbsp; 6.02% | &nbsp;&nbsp;&nbsp; 3.02% | &nbsp;&nbsp;&nbsp; 9.80% |
| Global <br> Allocation<br>| AB VPS Dynamic Asset Allocation – Class B<br> *Adviser:* AllianceBernstein L.P.<br>| 1.20% | &nbsp;&nbsp; 13.21% | &nbsp;&nbsp;&nbsp; 4.74% | &nbsp;&nbsp;&nbsp; 5.25% |
| Global Equity | AFIS Capital World Growth and Income – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 1.01% | &nbsp;&nbsp; 24.46% | 10.01% | 10.74% |
| Government <br> Bond<br>| AFIS U.S. Government Securities – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 0.84% | &nbsp;&nbsp;&nbsp;&nbsp; 7.54% | &nbsp;&nbsp; -0.49% | &nbsp;&nbsp;&nbsp; 1.45% |
| Large Cap <br> Blend<br>| AFIS Washington Mutual Investors – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 0.90% | &nbsp;&nbsp; 16.90% | 13.60% | 12.08% |
| Large Cap <br> Growth<br>| Alger Capital Appreciation – Class S<sup>2</sup> <br>*Adviser:* Fred Alger Management, LLC<br>| 1.19% | &nbsp;&nbsp; 32.51% | 16.04% | 17.86% |
| Large Cap <br> Growth<br>| Alger Large Cap Growth – Class I-2<br> *Adviser:* Fred Alger Management, LLC<br>| 0.89% | &nbsp;&nbsp; 30.27% | 11.12% | 16.73% |
| Mid Cap Blend | Allspring Opportunity VT – Class 2<br> *Adviser:* Allspring Funds Management, LLC<br> *Sub-Adviser:* Allspring Global Investments, LLC<br>| 1.08% | &nbsp;&nbsp;&nbsp;&nbsp; 6.71% | &nbsp;&nbsp;&nbsp; 8.94% | 11.85% |
| Large Cap <br> Growth<br>| Allspring VT Discovery All Cap Growth – Class 2<br> *Adviser:* Allspring Funds Management, LLC<br> *Sub-Adviser:* Allspring Global Investments, LLC<br>| 1.04% | &nbsp;&nbsp; 15.27% | &nbsp;&nbsp;&nbsp; 6.04% | 13.57% |
| Specialty-Sector | ALPS/Alerian Energy Infrastructure – Class III<br> *Adviser:* ALPS Advisors, Inc.<br>| 1.30% | &nbsp;&nbsp;&nbsp;&nbsp; 4.66% | 22.06% | 10.70% |
| Balanced/Asset <br> Allocation<br>| American Funds IS<sup>®</sup> Asset Allocation – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 0.79% | &nbsp;&nbsp; 15.59% | &nbsp;&nbsp;&nbsp; 8.70% | &nbsp;&nbsp;&nbsp; 9.50% |
| Global Bond | American Funds IS<sup>®</sup> Capital World Bond – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 0.98% | &nbsp;&nbsp;&nbsp;&nbsp; 9.03% | &nbsp;&nbsp; -2.76% | &nbsp;&nbsp;&nbsp; 0.97% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| International <br> Equity<br>| American Funds IS<sup>®</sup> EUPAC Fund<sup>TM</sup> – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 1.03% | &nbsp;&nbsp; 26.41% | &nbsp;&nbsp;&nbsp; 3.14% | &nbsp;&nbsp;&nbsp; 6.73% |
| Global Equity | American Funds IS<sup>®</sup> Global Growth – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 1.01% | &nbsp;&nbsp; 21.34% | &nbsp;&nbsp;&nbsp; 7.97% | 11.89% |
| Large Cap <br> Growth<br>| American Funds IS<sup>®</sup> Growth – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 0.83% | &nbsp;&nbsp; 19.93% | 13.09% | 17.67% |
| Large Cap <br> Blend<br>| American Funds IS<sup>®</sup> Growth-Income – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 0.78% | &nbsp;&nbsp; 17.77% | 13.62% | 13.63% |
| International <br> Equity<br>| American Funds IS<sup>®</sup> International Growth and Income – <br> Class 4<br> *Adviser:* Capital Research and Management Company<br>| 1.06% | &nbsp;&nbsp; 35.09% | &nbsp;&nbsp;&nbsp; 7.42% | &nbsp;&nbsp;&nbsp; 7.54% |
| Intermediate <br> Term Bond<br>| American Funds IS<sup>®</sup> Mortgage – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 0.89% | &nbsp;&nbsp;&nbsp;&nbsp; 8.32% | &nbsp;&nbsp;&nbsp; 0.06% | &nbsp;&nbsp;&nbsp; 1.43% |
| Emerging <br> Markets<br>| American Funds IS<sup>®</sup> New World – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 1.15% | &nbsp;&nbsp; 27.92% | &nbsp;&nbsp;&nbsp; 5.06% | &nbsp;&nbsp;&nbsp; 8.98% |
| Global Equity | American Funds IS<sup>®</sup> SMALLCAP World Fund<sup>®</sup> – Class 4<br> *Adviser:* Capital Research and Management Company<br>| 1.20% | &nbsp;&nbsp; 14.33% | &nbsp;&nbsp;&nbsp; 0.23% | &nbsp;&nbsp;&nbsp; 6.96% |
| Large Cap <br> Blend<br>| BlackRock Advantage Large Cap Core V.I. – Class III<br> *Adviser:* BlackRock Advisors, LLC<br>| 1.03% | &nbsp;&nbsp; 19.73% | 13.85% | 14.08% |
| Large Cap <br> Value<br>| BlackRock Basic Value V.I. – Class III<br> *Adviser:* BlackRock Advisors, LLC<br>| 1.13% | &nbsp;&nbsp; 24.04% | 12.81% | 10.52% |
| Large Cap <br> Growth<br>| BlackRock Capital Appreciation V.I. – Class III<br> *Adviser:* BlackRock Advisors, LLC<br>| 1.37% | &nbsp;&nbsp; 11.77% | 10.50% | 15.32% |
| Large Cap <br> Value<br>| BlackRock Equity Dividend V.I. – Class III<br> *Adviser:* BlackRock Advisors, LLC<br>| 1.13% | &nbsp;&nbsp; 21.32% | 11.45% | 11.01% |
| Global <br> Allocation<br>| BlackRock Global Allocation V.I. – Class III<br> *Adviser:* BlackRock Advisors, LLC<br> *Sub-Adviser:* BlackRock (Singapore) Limited; BlackRock <br> International Limited<br>| 1.15% | &nbsp;&nbsp; 19.51% | &nbsp;&nbsp;&nbsp; 5.51% | &nbsp;&nbsp;&nbsp; 7.33% |
| High Yield Bond | BlackRock High Yield V.I. – Class III<br> *Adviser:* BlackRock Advisors, LLC<br> *Sub-Adviser:* BlackRock International Limited<br>| 0.88% | &nbsp;&nbsp;&nbsp;&nbsp; 9.09% | &nbsp;&nbsp;&nbsp; 4.57% | &nbsp;&nbsp;&nbsp; 6.07% |
| Large Cap <br> Growth<br>| BlackRock Large Cap Focus Growth V.I. – Class III<br> *Adviser:* BlackRock Advisors, LLC<br>| 1.15% | &nbsp;&nbsp; 11.48% | 10.19% | 15.98% |
| Small Cap <br> Blend<br>| BNY Mellon IP Small Cap Stock Index – Service Class<br> *Adviser:* BNY Mellon Investment Adviser, Inc.<br>| 0.61% | &nbsp;&nbsp;&nbsp;&nbsp; 5.36% | &nbsp;&nbsp;&nbsp; 6.65% | &nbsp;&nbsp;&nbsp; 9.15% |
| Specialty-Sector | BNY Mellon IP Technology Growth – Service Class<br> *Adviser:* BNY Mellon Investment Adviser, Inc.<br> *Sub-Adviser:* Newton Investment Management North <br> America, LLC<br>| 1.07% | &nbsp;&nbsp; 27.87% | &nbsp;&nbsp;&nbsp; 8.96% | 16.97% |
| Large Cap <br> Blend<br>| BNY Mellon Stock Index – Service Class<br> *Adviser:* BNY Mellon Investment Adviser, Inc.<br> *Sub-Adviser:* Mellon Investments Corporation<br>| 0.52% | &nbsp;&nbsp; 17.23% | 13.83% | 14.23% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Large Cap <br> Blend<br>| BNY Mellon VIF Appreciation – Service Class<br> *Adviser:* BNY Mellon Investment Adviser, Inc.<br> *Sub-Adviser:* Fayez Sarofim & Co., LLC<br>| 1.10% | &nbsp;&nbsp;&nbsp;&nbsp; 9.78% | &nbsp;&nbsp;&nbsp; 9.08% | 12.63% |
| Global Equity | Dimensional VA Equity Allocation – Institutional Class<br> *Adviser:* Dimensional Fund Advisors LP<br> *Sub-Adviser:* Dimensional Fund Advisors Ltd.; DFA <br> Australia Limited<br>| 0.48% | &nbsp;&nbsp; 19.94% | 12.23% | &nbsp;&nbsp;&nbsp;&nbsp; N/A |
| Global Bond | Dimensional VA Global Bond Portfolio – Institutional <br> Class<br> *Adviser:* Dimensional Fund Advisors LP<br> *Sub-Adviser:* Dimensional Fund Advisors Ltd.; DFA <br> Australia Limited<br>| 0.21% | &nbsp;&nbsp;&nbsp;&nbsp; 4.35% | &nbsp;&nbsp;&nbsp; 1.38% | &nbsp;&nbsp;&nbsp; 1.81% |
| Global <br> Allocation<br>| Dimensional VA Global Moderate Allocation – <br> Institutional Class<br> *Adviser:* Dimensional Fund Advisors LP<br>| 0.43% | &nbsp;&nbsp; 14.68% | &nbsp;&nbsp;&nbsp; 8.42% | &nbsp;&nbsp;&nbsp; 8.65% |
| International <br> Equity<br>| Dimensional VA International Small Portfolio – <br> Institutional Class<br> *Adviser:* Dimensional Fund Advisors LP<br> *Sub-Adviser:* Dimensional Fund Advisors Ltd.; DFA <br> Australia Limited<br>| 0.39% | &nbsp;&nbsp; 36.99% | &nbsp;&nbsp;&nbsp; 8.89% | &nbsp;&nbsp;&nbsp; 8.68% |
| International <br> Equity<br>| Dimensional VA International Value Portfolio – <br> Institutional Class<br> *Adviser:* Dimensional Fund Advisors LP<br> *Sub-Adviser:* Dimensional Fund Advisors Ltd.; DFA <br> Australia Limited<br>| 0.27% | &nbsp;&nbsp; 45.64% | 15.85% | 10.46% |
| Short Term <br> Bond<br>| Dimensional VA Short-Term Fixed Portfolio – Institutional <br> Class<br> *Adviser:* Dimensional Fund Advisors LP<br> *Sub-Adviser:* Dimensional Fund Advisors Ltd.; DFA <br> Australia Limited<br>| 0.12% | &nbsp;&nbsp;&nbsp;&nbsp; 4.33% | &nbsp;&nbsp;&nbsp; 2.65% | &nbsp;&nbsp;&nbsp; 1.97% |
| Large Cap <br> Value<br>| Dimensional VA U.S. Large Value Portfolio – Institutional <br> Class<br> *Adviser:* Dimensional Fund Advisors LP<br>| 0.21% | &nbsp;&nbsp; 15.83% | 11.97% | 10.51% |
| Small Cap <br> Value<br>| Dimensional VA U.S. Targeted Value Portfolio – <br> Institutional Class<br> *Adviser:* Dimensional Fund Advisors LP<br>| 0.29% | &nbsp;&nbsp;&nbsp;&nbsp; 8.95% | 13.60% | 11.00% |
| Large Value | Donoghue Forlines Dividend VIT Fund – Class 1<br> *Adviser:* Donoghue Forlines LLC<br>| 2.77% | &nbsp;&nbsp; 17.19% | &nbsp;&nbsp;&nbsp; 8.72% | &nbsp;&nbsp;&nbsp; 3.46% |
| Tactical <br> Allocation<br>| Donoghue Forlines Momentum VIT Fund – Class 1<br> *Adviser:* Donoghue Forlines LLC<br>| 1.56% | &nbsp;&nbsp; 23.52% | 12.83% | &nbsp;&nbsp;&nbsp; 9.23% |
| Mid Cap Value | DWS Small Mid Cap Value VIP – Class B<br> *Adviser:* DWS Investment Management Americas, Inc.<br>| 1.24% | &nbsp;&nbsp; 17.85% | &nbsp;&nbsp;&nbsp; 9.27% | &nbsp;&nbsp;&nbsp; 7.18% |
| Floating Rate <br> Bond<br>| Eaton Vance VT Floating-Rate Income - Initial Class<br> *Adviser:* Eaton Vance Management<br>| 1.19% | &nbsp;&nbsp;&nbsp;&nbsp; 3.95% | &nbsp;&nbsp;&nbsp; 4.64% | &nbsp;&nbsp;&nbsp; 4.43% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Intermediate <br> Government<br>| Federated Hermes Fund for U.S. Government Securities <br> II<br> *Adviser:* Federated Investment Management Company<br>| 1.02% | &nbsp;&nbsp;&nbsp;&nbsp; 6.80% | &nbsp;&nbsp; -0.84% | &nbsp;&nbsp;&nbsp; 1.06% |
| High Yield Bond | Federated Hermes High Income Bond II – Service Class<br> *Adviser:* Federated Investment Management Company<br>| 1.14% | &nbsp;&nbsp;&nbsp;&nbsp; 8.18% | &nbsp;&nbsp;&nbsp; 3.45% | &nbsp;&nbsp;&nbsp; 5.33% |
| Balanced/Asset <br> Allocation<br>| Fidelity<sup>®</sup> VIP Balanced – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 0.66% | &nbsp;&nbsp; 14.96% | &nbsp;&nbsp;&nbsp; 9.24% | 10.84% |
| Large Cap <br> Blend<br>| Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 0.79% | &nbsp;&nbsp; 21.24% | 15.08% | 15.49% |
| Small Cap <br> Blend<br>| Fidelity<sup>®</sup> VIP Disciplined Small Cap – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br>| 0.57% | &nbsp;&nbsp; 17.09% | 10.09% | 10.31% |
| Emerging <br> Markets<br>| Fidelity<sup>®</sup> VIP Emerging Markets – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited; FIL Investment Advisors; FIL Investment <br> Advisors (UK) Limited<br>| 1.12% | &nbsp;&nbsp; 40.79% | &nbsp;&nbsp;&nbsp; 5.62% | 10.66% |
| Large Cap <br> Growth<br>| Fidelity<sup>®</sup> VIP Growth & Income – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 0.72% | &nbsp;&nbsp; 21.21% | 15.83% | 13.56% |
| Large Cap <br> Growth<br>| Fidelity<sup>®</sup> VIP Growth Opportunities – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 0.81% | &nbsp;&nbsp; 21.73% | 11.04% | 19.64% |
| High Yield Bond | Fidelity<sup>®</sup> VIP High Income – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 1.07% | &nbsp;&nbsp; 10.31% | &nbsp;&nbsp;&nbsp; 4.00% | &nbsp;&nbsp;&nbsp; 5.34% |
| Large Cap <br> Blend<br>| Fidelity<sup>®</sup> VIP Index 500 – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* Geode Capital Management, LLC<br>| 0.34% | &nbsp;&nbsp; 17.48% | 14.03% | 14.42% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Intermediate <br> Term Bond<br>| Fidelity<sup>®</sup> VIP Investment Grade Bond – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 0.62% | &nbsp;&nbsp;&nbsp;&nbsp; 6.93% | &nbsp;&nbsp; -0.21% | &nbsp;&nbsp;&nbsp; 2.45% |
| Mid Cap Growth | Fidelity<sup>®</sup> VIP Mid Cap – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 0.80% | &nbsp;&nbsp; 11.49% | &nbsp;&nbsp;&nbsp; 9.83% | 10.31% |
| International <br> Equity<br>| Fidelity<sup>®</sup> VIP Overseas – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited; FIL Investment Advisors; FIL Investment <br> Advisors (UK) Limited<br>| 0.97% | &nbsp;&nbsp; 20.05% | &nbsp;&nbsp;&nbsp; 6.35% | &nbsp;&nbsp;&nbsp; 7.55% |
| Specialty-Sector | Fidelity<sup>®</sup> VIP Real Estate – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 0.85% | &nbsp;&nbsp;&nbsp;&nbsp; 2.90% | &nbsp;&nbsp;&nbsp; 3.98% | &nbsp;&nbsp;&nbsp; 3.61% |
| Multi-Sector <br> Bond<br>| Fidelity<sup>®</sup> VIP Strategic Income – Service Class 2<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited; FIL Investment Advisors; FIL Investment <br> Advisors (UK) Limited<br>| 0.88% | &nbsp;&nbsp;&nbsp;&nbsp; 8.58% | &nbsp;&nbsp;&nbsp; 2.79% | &nbsp;&nbsp;&nbsp; 4.40% |
| Multi Cap <br> Growth<br>| Franklin DynaTech VIP Fund – Class 2<br> *Adviser:* Franklin Advisers, Inc.<br>| 0.88% | &nbsp;&nbsp; 18.13% | &nbsp;&nbsp;&nbsp; 9.09% | 14.08% |
| Large Cap <br> Value<br>| Franklin Growth and Income VIP Fund – Class 2<br> *Adviser:* Franklin Advisers, Inc.<br>| 1.04% | &nbsp;&nbsp; 16.90% | 11.90% | 11.12% |
| Balanced/Asset <br> Allocation<br>| Franklin Income VIP Fund – Class 2<br> *Adviser:* Franklin Advisers, Inc.<br>| 0.72% | &nbsp;&nbsp; 12.56% | &nbsp;&nbsp;&nbsp; 7.66% | &nbsp;&nbsp;&nbsp; 7.30% |
| Large Cap <br> Growth<br>| Franklin Large Cap Growth VIP Fund – Class 2<br> *Adviser:* Franklin Advisers, Inc.<br>| 1.11% | &nbsp;&nbsp;&nbsp;&nbsp; 7.22% | &nbsp;&nbsp;&nbsp; 6.83% | 12.87% |
| Global Equity | Franklin Mutual Global Discovery VIP Fund – Class 2<br> *Adviser:* Franklin Mutual Advisers, LLC<br>| 1.16% | &nbsp;&nbsp; 23.34% | 12.00% | &nbsp;&nbsp;&nbsp; 8.52% |
| Large Cap <br> Value<br>| Franklin Mutual Shares VIP Fund – Class 2<br> *Adviser:* Franklin Mutual Advisers, LLC<br>| 0.94% | &nbsp;&nbsp; 11.52% | &nbsp;&nbsp;&nbsp; 9.20% | &nbsp;&nbsp;&nbsp; 7.53% |
| Large Cap <br> Blend<br>| Franklin Rising Dividends VIP Fund – Class 2<br> *Adviser:* Franklin Advisers, Inc.<br>| 0.89% | &nbsp;&nbsp; 11.80% | &nbsp;&nbsp;&nbsp; 9.50% | 12.10% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Small Cap <br> Value<br>| Franklin Small Cap Value VIP Fund – Class 2<br> *Adviser:* Franklin Mutual Advisers, LLC<br>| 0.92% | &nbsp;&nbsp;&nbsp;&nbsp; 7.65% | &nbsp;&nbsp;&nbsp; 8.86% | &nbsp;&nbsp;&nbsp; 9.81% |
| Small Cap <br> Growth<br>| Franklin Small-Mid Cap Growth VIP Fund – Class 2<br> *Adviser:* Franklin Advisers, Inc.<br>| 1.09% | &nbsp;&nbsp;&nbsp;&nbsp; 2.52% | &nbsp;&nbsp;&nbsp; 1.03% | &nbsp;&nbsp;&nbsp; 9.89% |
| Multi-Sector <br> Bond<br>| Franklin Strategic Income VIP Fund – Class 2<br> *Adviser:* Franklin Advisers, Inc.<br>| 1.08% | &nbsp;&nbsp;&nbsp;&nbsp; 7.24% | &nbsp;&nbsp;&nbsp; 1.92% | &nbsp;&nbsp;&nbsp; 3.10% |
| Government <br> Bond<br>| Franklin U.S. Government Securities VIP Fund – Class 2<br> *Adviser:* Franklin Advisers, Inc.<br>| 0.79% | &nbsp;&nbsp;&nbsp;&nbsp; 6.69% | &nbsp;&nbsp;&nbsp; 0.02% | &nbsp;&nbsp;&nbsp; 1.14% |
| International <br> Equity<br>| Goldman Sachs VIT International Equity Insights – <br> Service Class<br> *Adviser:* Goldman Sachs Asset Management L.P.<br>| 1.37% | &nbsp;&nbsp; 38.15% | 10.80% | &nbsp;&nbsp;&nbsp; 7.96% |
| Large Cap <br> Value<br>| Goldman Sachs VIT Large Cap Value – Service Class<br> *Adviser:* Goldman Sachs Asset Management L.P.<br>| 1.08% | &nbsp;&nbsp; 10.60% | 11.00% | &nbsp;&nbsp;&nbsp; 9.34% |
| Mid Cap Growth | Goldman Sachs VIT Mid Cap Growth – Service Class<br> *Adviser:* Goldman Sachs Asset Management L.P.<br>| 1.49% | &nbsp;&nbsp;&nbsp;&nbsp; 7.36% | &nbsp;&nbsp;&nbsp; 4.67% | 11.58% |
| Mid Cap Value | Goldman Sachs VIT Mid Cap Value – Service Class<br> *Adviser:* Goldman Sachs Asset Management L.P.<br>| 1.09% | &nbsp;&nbsp;&nbsp;&nbsp; 9.13% | &nbsp;&nbsp;&nbsp; 9.77% | &nbsp;&nbsp;&nbsp; 9.75% |
| Small Cap <br> Blend<br>| Goldman Sachs VIT Small Cap Equity Insights – Service <br> Class<br> *Adviser:* Goldman Sachs Asset Management L.P.<br>| 1.13% | &nbsp;&nbsp; 15.82% | 10.19% | 10.57% |
| Large Cap <br> Growth<br>| Goldman Sachs VIT Strategic Growth – Service Class<br> *Adviser:* Goldman Sachs Asset Management L.P.<br>| 1.04% | &nbsp;&nbsp; 17.58% | 12.47% | 16.13% |
| Floating Rate <br> Bond<br>| Guggenheim VIF Floating Rate Strategies<br> *Adviser:* Guggenheim Partners Investment Management, <br> LLC<br>| 1.54% | &nbsp;&nbsp;&nbsp;&nbsp; 3.57% | &nbsp;&nbsp;&nbsp; 4.56% | &nbsp;&nbsp;&nbsp; 4.12% |
| Specialty | Guggenheim VIF Global Managed Futures Strategy<br> *Adviser:* Security Investors, LLC<br>| 2.32% | &nbsp;&nbsp;&nbsp;&nbsp; 3.65% | &nbsp;&nbsp;&nbsp; 3.94% | &nbsp;&nbsp;&nbsp; 1.27% |
| High Yield Bond | Guggenheim VIF High Yield<br> *Adviser:* Guggenheim Partners Investment Management, <br> LLC<br>| 1.57% | &nbsp;&nbsp;&nbsp;&nbsp; 6.84% | &nbsp;&nbsp;&nbsp; 4.16% | &nbsp;&nbsp;&nbsp; 5.55% |
| Specialty | Guggenheim VIF Multi-Hedge Strategies<br> *Adviser:* Security Investors, LLC<br>| 1.80% | &nbsp;&nbsp;&nbsp;&nbsp; 1.25% | &nbsp;&nbsp;&nbsp; 1.23% | &nbsp;&nbsp;&nbsp; 1.62% |
| Intermediate <br> Term Bond<br>| Guggenheim VIF Total Return Bond<br> *Adviser:* Guggenheim Partners Investment Management, <br> LLC<br>| 1.04% | &nbsp;&nbsp;&nbsp;&nbsp; 7.48% | &nbsp;&nbsp; -0.21% | &nbsp;&nbsp;&nbsp; 3.13% |
| Large Cap <br> Growth<br>| Invesco V.I. American Franchise – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.10% | &nbsp;&nbsp; 11.39% | 10.08% | 14.58% |
| Mid Cap Value | Invesco V.I. American Value – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.14% | &nbsp;&nbsp; 20.76% | 17.56% | 12.01% |
| Global <br> Allocation<br>| Invesco V.I. Balanced-Risk Allocation – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.60% | &nbsp;&nbsp;&nbsp;&nbsp; 8.69% | &nbsp;&nbsp;&nbsp; 2.27% | &nbsp;&nbsp;&nbsp; 4.91% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Large Cap <br> Value<br>| Invesco V.I. Comstock – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.00% | &nbsp;&nbsp; 17.14% | 15.14% | 11.67% |
| Large Cap <br> Blend<br>| Invesco V.I. Core Equity – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.05% | &nbsp;&nbsp; 15.88% | 12.52% | 11.46% |
| Mid Cap Growth | Invesco V.I. Discovery Mid Cap Growth – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.11% | &nbsp;&nbsp;&nbsp;&nbsp; 4.53% | &nbsp;&nbsp;&nbsp; 3.64% | 11.10% |
| Large Blend | Invesco V.I. Equally-Weighted S&P 500 – Series II<br> *Adviser:* Invesco Advisers, Inc.<br> *Sub-Adviser:* Invesco Capital Management LLC<br>| 0.59% | &nbsp;&nbsp; 10.82% | &nbsp;&nbsp;&nbsp; 9.89% | 11.11% |
| Balanced/Asset <br> Allocation<br>| Invesco V.I. Equity and Income – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 0.82% | &nbsp;&nbsp; 12.52% | &nbsp;&nbsp;&nbsp; 8.68% | &nbsp;&nbsp;&nbsp; 8.64% |
| International <br> Equity<br>| Invesco V.I. EQV International Equity – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.15% | &nbsp;&nbsp; 16.23% | &nbsp;&nbsp;&nbsp; 3.42% | &nbsp;&nbsp;&nbsp; 5.95% |
| Global Equity | Invesco V.I. Global – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.06% | &nbsp;&nbsp; 15.02% | &nbsp;&nbsp;&nbsp; 7.01% | 10.72% |
| Specialty-Sector | Invesco V.I. Global Real Estate – Series II<br> *Adviser:* Invesco Advisers, Inc.<br> *Sub-Adviser:* Invesco Asset Management Limited<br>| 1.27% | &nbsp;&nbsp;&nbsp;&nbsp; 7.61% | &nbsp;&nbsp;&nbsp; 1.49% | &nbsp;&nbsp;&nbsp; 2.18% |
| Multi-Sector <br> Bond<br>| Invesco V.I. Global Strategic Income – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.21% | &nbsp;&nbsp; 12.75% | &nbsp;&nbsp;&nbsp; 1.39% | &nbsp;&nbsp;&nbsp; 2.76% |
| Government <br> Bond<br>| Invesco V.I. Government Securities – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 0.95% | &nbsp;&nbsp;&nbsp;&nbsp; 6.95% | &nbsp;&nbsp; -0.22% | &nbsp;&nbsp;&nbsp; 1.34% |
| Large Cap <br> Value<br>| Invesco V.I. Growth and Income – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.00% | &nbsp;&nbsp; 15.30% | 12.56% | 10.46% |
| Specialty-Sector | Invesco V.I. Health Care – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.24% | &nbsp;&nbsp; 15.08% | &nbsp;&nbsp;&nbsp; 3.54% | &nbsp;&nbsp;&nbsp; 6.31% |
| High Yield Bond | Invesco V.I. High Yield – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.17% | &nbsp;&nbsp;&nbsp;&nbsp; 6.35% | &nbsp;&nbsp;&nbsp; 3.40% | &nbsp;&nbsp;&nbsp; 4.55% |
| International <br> Equity<br>| Invesco V.I. International Growth Fund – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.43% | &nbsp;&nbsp; 15.53% | &nbsp;&nbsp;&nbsp; 1.88% | &nbsp;&nbsp;&nbsp; 5.34% |
| Mid Cap Blend | Invesco V.I. Main Street Mid Cap Fund<sup>®</sup> – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.19% | &nbsp;&nbsp;&nbsp;&nbsp; 8.96% | &nbsp;&nbsp;&nbsp; 8.83% | &nbsp;&nbsp;&nbsp; 9.08% |
| Small Cap <br> Blend<br>| Invesco V.I. Main Street Small Cap Fund<sup>®</sup> – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.09% | &nbsp;&nbsp;&nbsp;&nbsp; 8.44% | &nbsp;&nbsp;&nbsp; 8.07% | 10.31% |
| Speciality | Invesco V.I. S&P 500 Buffer Fund - December - Class II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.06% | &nbsp;&nbsp; 12.37% | &nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp; N/A |
| Speciality | Invesco V.I. S&P 500 Buffer Fund - June - Class II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.05% | &nbsp;&nbsp; 13.35% | &nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp; N/A |
| Speciality | Invesco V.I. S&P 500 Buffer Fund - March - Class II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.08% | &nbsp;&nbsp;&nbsp;&nbsp; 7.25% | &nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp; N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Speciality | Invesco V.I. S&P 500 Buffer Fund - September - Class II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.04% | &nbsp;&nbsp; 12.63% | &nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp;&nbsp; N/A |
| Small Cap <br> Blend<br>| Invesco V.I. Small Cap Equity – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.21% | &nbsp;&nbsp;&nbsp;&nbsp; 7.83% | &nbsp;&nbsp;&nbsp; 7.06% | &nbsp;&nbsp;&nbsp; 9.28% |
| Mid Cap Growth | Janus Henderson VIT Enterprise – Service Class<br> *Adviser:* Janus Henderson Investors US LLC<br>| 0.97% | &nbsp;&nbsp;&nbsp;&nbsp; 7.41% | &nbsp;&nbsp;&nbsp; 7.35% | 12.51% |
| Large Cap <br> Growth<br>| Janus Henderson VIT Forty – Service Class<br> *Adviser:* Janus Henderson Investors US LLC<br>| 0.87% | &nbsp;&nbsp; 17.86% | 11.37% | 15.96% |
| Mid Cap Value | Janus Henderson VIT Mid Cap Value – Service Class<br> *Adviser:* Janus Henderson Investors US LLC<br>| 1.11% | &nbsp;&nbsp;&nbsp;&nbsp; 6.29% | &nbsp;&nbsp;&nbsp; 8.43% | &nbsp;&nbsp;&nbsp; 8.40% |
| International <br> Equity<br>| Janus Henderson VIT Overseas – Service Class<br> *Adviser:* Janus Henderson Investors US LLC<br>| 0.96% | &nbsp;&nbsp; 28.58% | &nbsp;&nbsp;&nbsp; 9.17% | &nbsp;&nbsp;&nbsp; 8.97% |
| Large Cap <br> Growth<br>| Janus Henderson VIT Research – Service Class<br> *Adviser:* Janus Henderson Investors US LLC<br>| 1.07% | &nbsp;&nbsp; 18.10% | 13.83% | 15.59% |
| Multi-Sector <br> Bond<br>| Lord Abbett Series Bond-Debenture VC – Class VC<br> *Adviser:* Lord, Abbett & Co. LLC<br>| 0.98% | &nbsp;&nbsp;&nbsp;&nbsp; 8.33% | &nbsp;&nbsp;&nbsp; 2.10% | &nbsp;&nbsp;&nbsp; 4.72% |
| Small Cap <br> Growth<br>| Lord Abbett Series Developing Growth VC – Class VC<sup>2</sup> <br>*Adviser:* Lord, Abbett & Co. LLC<br>| 1.27% | &nbsp;&nbsp; 14.59% | &nbsp;&nbsp; -1.17% | 11.03% |
| Large Cap <br> Blend<br>| Lord Abbett Series Dividend Growth VC – Class VC<br> *Adviser:* Lord, Abbett & Co. LLC<br>| 1.00% | &nbsp;&nbsp; 15.98% | 12.34% | 13.06% |
| Large Cap <br> Blend<br>| Lord Abbett Series Fundamental Equity VC – Class VC<br> *Adviser:* Lord, Abbett & Co. LLC<br>| 1.19% | &nbsp;&nbsp; 14.29% | 11.36% | &nbsp;&nbsp;&nbsp; 9.75% |
| Large Cap <br> Blend<br>| Lord Abbett Series Growth and Income VC – Class VC<br> *Adviser:* Lord, Abbett & Co. LLC<br>| 0.93% | &nbsp;&nbsp; 17.29% | 13.34% | 11.12% |
| Mid Cap Growth | Lord Abbett Series Growth Opportunities VC – Class VC<br> *Adviser:* Lord, Abbett & Co. LLC<br>| 1.15% | &nbsp;&nbsp; 12.94% | &nbsp;&nbsp;&nbsp; 3.23% | 10.41% |
| Mid Cap Value | Lord Abbett Series Mid Cap Stock VC – Class VC<br> *Adviser:* Lord, Abbett & Co. LLC<br>| 1.15% | &nbsp;&nbsp;&nbsp;&nbsp; 7.05% | 10.16% | &nbsp;&nbsp;&nbsp; 7.98% |
| Intermediate <br> Term Bond<br>| Lord Abbett Series Total Return VC – Class VC<br> *Adviser:* Lord, Abbett & Co. LLC<br>| 0.71% | &nbsp;&nbsp;&nbsp;&nbsp; 7.19% | &nbsp;&nbsp;&nbsp; 0.06% | &nbsp;&nbsp;&nbsp; 2.27% |
| Inflation-<br> Protected Bond<br>| LVIP American Century Inflation Protection – Service <br> Class<br> *Adviser:* Lincoln Financial Investments Corporation<br> *Sub-Adviser:* American Century Investment <br> Management, Inc.<br>| 0.76% | &nbsp;&nbsp;&nbsp;&nbsp; 6.33% | &nbsp;&nbsp;&nbsp; 0.62% | &nbsp;&nbsp;&nbsp; 2.61% |
| International <br> Equity<br>| LVIP American Century International – Service Class<br> *Adviser:* Lincoln Financial Investments Corporation<br> *Sub-Adviser:* American Century Investment <br> Management, Inc.<br>| 1.20% | &nbsp;&nbsp; 15.81% | &nbsp;&nbsp;&nbsp; 1.71% | &nbsp;&nbsp;&nbsp; 6.27% |
| Mid Cap Value | LVIP American Century Mid Cap Value – Service Class<br> *Adviser:* Lincoln Financial Investments Corporation<br> *Sub-Adviser:* American Century Investment <br> Management, Inc.<br>| 1.03% | &nbsp;&nbsp;&nbsp;&nbsp; 8.83% | &nbsp;&nbsp;&nbsp; 8.72% | &nbsp;&nbsp;&nbsp; 8.96% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Large Cap <br> Value<br>| LVIP American Century Value – Service Class<br> *Adviser:* Lincoln Financial Investments Corporation<br> *Sub-Adviser:* American Century Investment <br> Management, Inc.<br>| 0.90% | &nbsp;&nbsp; 15.85% | 11.47% | 10.07% |
| Large Cap <br> Value<br>| LVIP Avantis Large Cap Value – Service Class<br> *Adviser:* Lincoln Financial Investments Corporation<br> *Sub-Adviser:* American Century Investment <br> Management, Inc.<br>| 0.99% | &nbsp;&nbsp; 14.56% | &nbsp;&nbsp;&nbsp; 8.51% | 10.12% |
| Intermediate <br> Core Bond<br>| LVIP JPMorgan Core Bond – Service Class<br> *Adviser:* Lincoln Financial Investments Corporation<br> *Sub-Adviser:* J.P. Morgan Investment Management, Inc.<br>| 0.99% | &nbsp;&nbsp;&nbsp;&nbsp; 7.15% | &nbsp;&nbsp; -0.29% | &nbsp;&nbsp;&nbsp; 1.85% |
| Small Cap <br> Blend<br>| LVIP JPMorgan Small Cap Core – Service Class<br> *Adviser:* Lincoln Financial Investments Corporation<br> *Sub-Adviser:* J.P. Morgan Investment Management, Inc.<br>| 0.88% | &nbsp;&nbsp; 10.00% | &nbsp;&nbsp;&nbsp; 6.13% | &nbsp;&nbsp;&nbsp; 8.66% |
| Large Cap <br> Blend<br>| LVIP JPMorgan U.S. Equity – Service Class<br> *Adviser:* Lincoln Financial Investments Corporation<br> *Sub-Adviser:* J.P. Morgan Investment Management, Inc.<br>| 1.00% | &nbsp;&nbsp; 14.26% | 13.40% | 14.56% |
| Emerging <br> Markets<br>| MFS<sup>®</sup> VIT Emerging Markets Equity – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 2.14% | &nbsp;&nbsp; 33.35% | &nbsp;&nbsp;&nbsp; 4.11% | &nbsp;&nbsp;&nbsp; 7.65% |
| Global <br> Allocation<br>| MFS<sup>®</sup> VIT Global Tactical Allocation – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.13% | &nbsp;&nbsp; 15.21% | &nbsp;&nbsp;&nbsp; 4.60% | &nbsp;&nbsp;&nbsp; 5.40% |
| High Yield Bond | MFS<sup>®</sup> VIT High Yield – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.06% | &nbsp;&nbsp;&nbsp;&nbsp; 8.47% | &nbsp;&nbsp;&nbsp; 3.63% | &nbsp;&nbsp;&nbsp; 5.30% |
| Large Cap <br> Growth<br>| MFS<sup>®</sup> VIT II MA Investors Growth Stock – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.04% | &nbsp;&nbsp;&nbsp;&nbsp; 9.61% | &nbsp;&nbsp;&nbsp; 9.74% | 13.98% |
| International <br> Equity<br>| MFS<sup>®</sup> VIT II Research International – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.22% | &nbsp;&nbsp; 21.75% | &nbsp;&nbsp;&nbsp; 5.25% | &nbsp;&nbsp;&nbsp; 7.27% |
| International <br> Equity<br>| MFS<sup>®</sup> VIT International Intrinsic Value – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.16% | &nbsp;&nbsp; 32.96% | &nbsp;&nbsp;&nbsp; 7.02% | &nbsp;&nbsp;&nbsp; 9.68% |
| Large Cap <br> Blend<br>| MFS<sup>®</sup> VIT Investors Trust – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.07% | &nbsp;&nbsp; 13.32% | 11.06% | 12.21% |
| Small Cap <br> Growth<br>| MFS<sup>®</sup> VIT New Discovery – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.20% | &nbsp;&nbsp; 12.56% | &nbsp;&nbsp; -0.54% | 10.46% |
| Large Cap <br> Blend<br>| MFS<sup>®</sup> VIT Research – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.07% | &nbsp;&nbsp; 12.57% | 10.87% | 12.65% |
| Balanced/Asset <br> Allocation<br>| MFS<sup>®</sup> VIT Total Return – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 0.96% | &nbsp;&nbsp; 10.91% | &nbsp;&nbsp;&nbsp; 6.16% | &nbsp;&nbsp;&nbsp; 7.36% |
| Intermediate <br> Term Bond<br>| MFS<sup>®</sup> VIT Total Return Bond – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 0.79% | &nbsp;&nbsp;&nbsp;&nbsp; 6.94% | &nbsp;&nbsp; -0.09% | &nbsp;&nbsp;&nbsp; 2.38% |
| Specialty-Sector | MFS<sup>®</sup> VIT Utilities – Service Class<br> *Adviser:* Massachusetts Financial Services Company<br>| 1.04% | &nbsp;&nbsp; 14.76% | &nbsp;&nbsp;&nbsp; 7.38% | &nbsp;&nbsp;&nbsp; 9.22% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Emerging <br> Markets Bond<br>| Morgan Stanley VIF Emerging Markets Debt – Class II<br> *Adviser:* Morgan Stanley Investment Management, Inc.<br> *Sub-Adviser:* Morgan Stanley Investment Management <br> Limited<br>| 1.62% | &nbsp;&nbsp; 15.24% | &nbsp;&nbsp;&nbsp; 2.66% | &nbsp;&nbsp;&nbsp; 4.46% |
| Emerging <br> Markets<br>| Morgan Stanley VIF Emerging Markets Equity – Class II<br> *Adviser:* Morgan Stanley Investment Management, Inc.<br> *Sub-Adviser:* Morgan Stanley Investment Management <br> Company<br>| 1.53% | &nbsp;&nbsp; 32.90% | &nbsp;&nbsp;&nbsp; 4.32% | &nbsp;&nbsp;&nbsp; 7.21% |
| Asset <br> Allocation/<br> Lifestyle<br>| Morningstar Aggressive Growth ETF Asset Allocation <br> Portfolio – Class II<br> *Adviser:* ALPS Advisors, Inc.<br> *Sub-Adviser:* Morningstar Investment Management LLC<br>| 0.85% | &nbsp;&nbsp; 20.00% | 10.55% | 10.36% |
| Asset <br> Allocation/<br> Lifestyle<br>| Morningstar Balanced ETF Asset Allocation Portfolio – <br> Class II<br> *Adviser:* ALPS Advisors, Inc.<br> *Sub-Adviser:* Morningstar Investment Management LLC<br>| 0.84% | &nbsp;&nbsp; 14.82% | &nbsp;&nbsp;&nbsp; 6.61% | &nbsp;&nbsp;&nbsp; 7.25% |
| Asset <br> Allocation/<br> Lifestyle<br>| Morningstar Conservative ETF Asset Allocation Portfolio <br> – Class II<br> *Adviser:* ALPS Advisors, Inc.<br> *Sub-Adviser:* Morningstar Investment Management LLC<br>| 0.93% | &nbsp;&nbsp;&nbsp;&nbsp; 8.82% | &nbsp;&nbsp;&nbsp; 2.19% | &nbsp;&nbsp;&nbsp; 3.50% |
| Asset <br> Allocation/<br> Lifestyle<br>| Morningstar Growth ETF Asset Allocation Portfolio – <br> Class II<br> *Adviser:* ALPS Advisors, Inc.<br> *Sub-Adviser:* Morningstar Investment Management LLC<br>| 0.82% | &nbsp;&nbsp; 17.91% | &nbsp;&nbsp;&nbsp; 8.82% | &nbsp;&nbsp;&nbsp; 9.05% |
| Asset <br> Allocation/<br> Lifestyle<br>| Morningstar Income and Growth ETF Asset Allocation <br> Portfolio – Class II<br> *Adviser:* ALPS Advisors, Inc.<br> *Sub-Adviser:* Morningstar Investment Management LLC<br>| 0.88% | &nbsp;&nbsp; 11.70% | &nbsp;&nbsp;&nbsp; 4.43% | &nbsp;&nbsp;&nbsp; 5.46% |
| Multi Cap Value | NAA All Cap Value Series<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.15% | &nbsp;&nbsp; 12.87% | 11.12% | 10.40% |
| Large Cap <br> Value<br>| NAA Large Cap Value Series<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.05% | &nbsp;&nbsp; 14.16% | 12.15% | 10.88% |
| Large Cap <br> Blend<br>| NAA Large Core Series<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.16% | &nbsp;&nbsp; 16.43% | 13.65% | 14.25% |
| Large Cap <br> Growth<br>| NAA Large Growth Series<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.17% | &nbsp;&nbsp; 17.02% | 13.89% | 17.04% |
| Mid Cap Growth | NAA Mid Growth Series<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.18% | &nbsp;&nbsp;&nbsp;&nbsp; 2.17% | &nbsp;&nbsp;&nbsp; 4.48% | 10.63% |
| Small Cap <br> Value<br>| NAA Small Cap Value Series<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.29% | &nbsp;&nbsp;&nbsp;&nbsp; 3.30% | &nbsp;&nbsp;&nbsp; 8.47% | &nbsp;&nbsp;&nbsp; 7.65% |
| Small Cap <br> Growth<br>| NAA Small Growth Series<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.42% | &nbsp;&nbsp;&nbsp;&nbsp; 6.58% | &nbsp;&nbsp;&nbsp; 2.59% | &nbsp;&nbsp;&nbsp; 8.89% |
| Mid Cap Value | NAA SMid-Cap Value Series<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.18% | &nbsp;&nbsp;&nbsp;&nbsp; 7.35% | &nbsp;&nbsp;&nbsp; 9.30% | &nbsp;&nbsp;&nbsp; 9.97% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Global Equity | NAA World Equity Income Series<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.18% | &nbsp;&nbsp; 22.75% | 11.42% | &nbsp;&nbsp;&nbsp; 9.99% |
| Specialty | Neuberger Berman Quality Equity Portfolio – Class I<br> *Adviser:* Neuberger Berman Investment Advisers LLC<br>| 0.87% | &nbsp;&nbsp; 13.74% | 12.83% | 12.94% |
| Global <br> Allocation<br>| Nomura VIP Asset Strategy - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.04% | &nbsp;&nbsp; 16.66% | &nbsp;&nbsp;&nbsp; 7.07% | &nbsp;&nbsp;&nbsp; 7.84% |
| Balanced/Asset <br> Allocation<br>| Nomura VIP Balanced - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.08% | &nbsp;&nbsp; 11.79% | &nbsp;&nbsp;&nbsp; 7.85% | &nbsp;&nbsp;&nbsp; 8.38% |
| Large Cap <br> Growth<br>| Nomura VIP Core Equity - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.00% | &nbsp;&nbsp; 15.30% | 13.79% | 13.78% |
| Specialty-Sector | Nomura VIP Energy - Service Class<br> *Adviser:* Delaware Management Company<br> *Sub-Adviser:* Van Eck Associates Corporation<br>| 1.31% | &nbsp;&nbsp; 11.89% | 18.61% | &nbsp;&nbsp;&nbsp; 1.74% |
| Global Equity | Nomura VIP Global Growth - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.24% | &nbsp;&nbsp; 17.93% | &nbsp;&nbsp;&nbsp; 9.99% | 10.71% |
| Large Cap <br> Growth<br>| Nomura VIP Growth - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.01% | &nbsp;&nbsp;&nbsp;&nbsp; 8.41% | 11.89% | 15.40% |
| High Yield Bond | Nomura VIP High Income - Service Class<br> *Adviser:* Delaware Management Company<br> *Sub-Adviser:* Macquarie Investment Management Austria <br> Kapitalanlage AG; Macquarie Investment Management <br> Europe Limited, Macquarie Investment Management <br> Global Limited<br>| 0.97% | &nbsp;&nbsp;&nbsp;&nbsp; 7.17% | &nbsp;&nbsp;&nbsp; 3.73% | &nbsp;&nbsp;&nbsp; 5.56% |
| International <br> Equity<br>| Nomura VIP International Core Equity - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.18% | &nbsp;&nbsp; 24.17% | &nbsp;&nbsp;&nbsp; 7.83% | &nbsp;&nbsp;&nbsp; 6.62% |
| Short Term <br> Bond<br>| Nomura VIP Limited-Term Bond - Service Class<br> *Adviser:* Delaware Management Company<br> *Sub-Adviser:* Macquarie Investment Management Austria <br> Kapitalanlage AG; Macquarie Investment Management <br> Europe Limited, Macquarie Investment Management <br> Global Limited<br>| 0.87% | &nbsp;&nbsp;&nbsp;&nbsp; 4.70% | &nbsp;&nbsp;&nbsp; 1.75% | &nbsp;&nbsp;&nbsp; 2.12% |
| Mid Cap Growth | Nomura VIP Mid Cap Growth - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.17% | &nbsp;&nbsp;&nbsp;&nbsp; 1.18% | &nbsp;&nbsp; -0.08% | 10.66% |
| Specialty-Sector | Nomura VIP Natural Resources - Service Class<br> *Adviser:* Delaware Management Company<br> *Sub-Adviser:* Van Eck Associates Corporation; <br> Macquarie Investment Management Global Limited<br>| 1.29% | &nbsp;&nbsp; 37.75% | 15.73% | &nbsp;&nbsp;&nbsp; 6.94% |
| Specialty-Sector | Nomura VIP Science and Technology - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.15% | &nbsp;&nbsp; 33.36% | 13.71% | 17.20% |
| Small Cap <br> Growth<br>| Nomura VIP Small Cap Growth - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.21% | &nbsp;&nbsp; 13.39% | &nbsp;&nbsp;&nbsp; 2.20% | &nbsp;&nbsp;&nbsp; 8.69% |
| Small Cap <br> Blend<br>| Nomura VIP Smid Cap Core - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.20% | &nbsp;&nbsp;&nbsp;&nbsp; 8.39% | &nbsp;&nbsp;&nbsp; 8.07% | &nbsp;&nbsp;&nbsp; 9.91% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Large Cap <br> Value<br>| Nomura VIP Value - Service Class<br> *Adviser:* Delaware Management Company<br>| 1.04% | &nbsp;&nbsp;&nbsp;&nbsp; 9.41% | &nbsp;&nbsp;&nbsp; 9.49% | &nbsp;&nbsp;&nbsp; 8.92% |
| Specialty | PIMCO VIT All Asset – Advisor Class<br> *Adviser:* Pacific Investment Management Company LLC<br> *Sub-Adviser:* Research Affiliates LLC<br>| 2.32% | &nbsp;&nbsp; 14.19% | &nbsp;&nbsp;&nbsp; 5.49% | &nbsp;&nbsp;&nbsp; 6.67% |
| Specialty-Sector | PIMCO VIT CommodityRealReturn Strategy – Advisor <br> Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 3.48% | &nbsp;&nbsp; 18.85% | 10.47% | &nbsp;&nbsp;&nbsp; 6.43% |
| Emerging <br> Markets Bond<br>| PIMCO VIT Emerging Markets Bond – Advisor Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.27% | &nbsp;&nbsp; 14.86% | &nbsp;&nbsp;&nbsp; 2.34% | &nbsp;&nbsp;&nbsp; 4.96% |
| Global Bond | PIMCO VIT Global Bond Opportunities Portfolio <br> (Unhedged) – Advisor Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.25% | &nbsp;&nbsp; 12.76% | &nbsp;&nbsp;&nbsp; 0.07% | &nbsp;&nbsp;&nbsp; 2.36% |
| Global <br> Allocation<br>| PIMCO VIT Global Managed Asset Allocation – Advisor <br> Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.51% | &nbsp;&nbsp; 21.77% | &nbsp;&nbsp;&nbsp; 6.94% | &nbsp;&nbsp;&nbsp; 7.88% |
| High Yield Bond | PIMCO VIT High Yield – Advisor Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 0.91% | &nbsp;&nbsp;&nbsp;&nbsp; 8.85% | &nbsp;&nbsp;&nbsp; 3.87% | &nbsp;&nbsp;&nbsp; 5.47% |
| International <br> Bond<br>| PIMCO VIT International Bond Portfolio (Unhedged) – <br> Advisor Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.13% | &nbsp;&nbsp; 10.04% | &nbsp;&nbsp; -3.37% | &nbsp;&nbsp;&nbsp; 0.86% |
| Short Term <br> Bond<br>| PIMCO VIT Low Duration – Advisor Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 0.76% | &nbsp;&nbsp;&nbsp;&nbsp; 5.42% | &nbsp;&nbsp;&nbsp; 1.47% | &nbsp;&nbsp;&nbsp; 1.69% |
| Inflation-<br> Protected Bond<br>| PIMCO VIT Real Return – Advisor Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.49% | &nbsp;&nbsp;&nbsp;&nbsp; 7.74% | &nbsp;&nbsp;&nbsp; 1.11% | &nbsp;&nbsp;&nbsp; 3.11% |
| Short Term <br> Bond<br>| PIMCO VIT Short-Term – Advisor Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 0.75% | &nbsp;&nbsp;&nbsp;&nbsp; 4.57% | &nbsp;&nbsp;&nbsp; 3.14% | &nbsp;&nbsp;&nbsp; 2.65% |
| Intermediate <br> Term Bond<br>| PIMCO VIT Total Return – Advisor Class<br> *Adviser:* Pacific Investment Management Company LLC<br>| 0.83% | &nbsp;&nbsp;&nbsp;&nbsp; 8.78% | &nbsp;&nbsp; -0.08% | &nbsp;&nbsp;&nbsp; 2.26% |
| Multi Cap Blend | Putnam VT Core Equity – Class IB<br> *Adviser:* Putnam Investment Management, LLC<br> *Sub-Adviser:* Franklin Advisers, Inc.; Franklin Templeton <br> Investment Management Limited<br>| 0.92% | &nbsp;&nbsp; 16.81% | 15.96% | 15.20% |
| Multi-Sector <br> Bond<br>| Putnam VT Diversified Income – Class IB<br> *Adviser:* Franklin Advisers, Inc.<br> *Sub-Adviser:* Putnam Investment Management, LLC; <br> Franklin Templeton Investment Management Limited<br>| 1.05% | &nbsp;&nbsp;&nbsp;&nbsp; 8.58% | &nbsp;&nbsp;&nbsp; 1.81% | &nbsp;&nbsp;&nbsp; 3.03% |
| Global <br> Allocation<br>| Putnam VT Global Asset Allocation – Class IB<br> *Adviser:* Franklin Advisers, Inc.<br> *Sub-Adviser:* Putnam Investment Management, LLC; <br> Franklin Templeton Investment Management Limited; <br> The Putnam Advisory Company, LLC<br>| 1.11% | &nbsp;&nbsp; 14.38% | &nbsp;&nbsp;&nbsp; 8.39% | &nbsp;&nbsp;&nbsp; 8.43% |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| High Yield Bond | Putnam VT High Yield – Class IB<br> *Adviser:* Franklin Advisers, Inc.<br> *Sub-Adviser:* Putnam Investment Management, LLC; <br> Franklin Templeton Investment Management Limited<br>| 0.96% | &nbsp;&nbsp;&nbsp;&nbsp; 8.67% | &nbsp;&nbsp;&nbsp; 4.05% | &nbsp;&nbsp;&nbsp; 5.70% |
| Intermediate <br> Term Bond<br>| Putnam VT Income – Class IB<br> *Adviser:* Franklin Advisers, Inc.<br> *Sub-Adviser:* Putnam Investment Management, LLC; <br> Franklin Templeton Investment Management Limited<br>| 0.82% | &nbsp;&nbsp;&nbsp;&nbsp; 7.25% | &nbsp;&nbsp; -1.13% | &nbsp;&nbsp;&nbsp; 1.89% |
| Large Cap <br> Growth<br>| Putnam VT Large Cap Growth – Class IB<br> *Adviser:* Putnam Investment Management, LLC<br> *Sub-Adviser:* Franklin Advisers, Inc.; Franklin Templeton <br> Investment Management Limited<br>| 0.87% | &nbsp;&nbsp; 14.34% | 13.44% | 17.66% |
| Large Cap <br> Value<br>| Putnam VT Large Cap Value – Class IB<br> *Adviser:* Putnam Investment Management, LLC<br> *Sub-Adviser:* Franklin Advisers, Inc.; Franklin Templeton <br> Investment Management Limited<br>| 0.79% | &nbsp;&nbsp; 20.35% | 15.38% | 13.30% |
| Small Cap <br> Growth<br>| Putnam VT Small Cap Growth – Class IB<br> *Adviser:* Putnam Investment Management, LLC<br> *Sub-Adviser:* Franklin Advisers, Inc.; Franklin Templeton <br> Investment Management Limited<br>| 1.17% | &nbsp;&nbsp;&nbsp;&nbsp; 8.80% | &nbsp;&nbsp;&nbsp; 6.18% | 11.45% |
| Specialty-Sector | Rydex VIF Banking<br> *Adviser:* Security Investors, LLC<br>| 1.83% | &nbsp;&nbsp; 23.74% | 11.69% | &nbsp;&nbsp;&nbsp; 8.98% |
| Specialty-Sector | Rydex VIF Basic Materials<br> *Adviser:* Security Investors, LLC<br>| 1.83% | &nbsp;&nbsp; 32.89% | &nbsp;&nbsp;&nbsp; 9.42% | 11.58% |
| Specialty-Sector | Rydex VIF Biotechnology<br> *Adviser:* Security Investors, LLC<br>| 1.84% | &nbsp;&nbsp; 30.12% | &nbsp;&nbsp;&nbsp; 3.55% | &nbsp;&nbsp;&nbsp; 5.42% |
| Specialty-Sector | Rydex VIF Commodities Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.96% | &nbsp;&nbsp;&nbsp;&nbsp; 4.89% | 12.80% | &nbsp;&nbsp;&nbsp; 4.76% |
| Specialty-Sector | Rydex VIF Consumer Products<br> *Adviser:* Security Investors, LLC<br>| 1.84% | &nbsp;&nbsp;&nbsp; -3.52% | &nbsp;&nbsp;&nbsp; 1.32% | &nbsp;&nbsp;&nbsp; 3.80% |
| Specialty | Rydex VIF Dow 2x Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.95% | &nbsp;&nbsp; 19.49% | 14.77% | 18.17% |
| Specialty-Sector | Rydex VIF Electronics<br> *Adviser:* Security Investors, LLC<br>| 1.83% | &nbsp;&nbsp; 41.49% | 18.80% | 23.66% |
| Specialty-Sector | Rydex VIF Energy<br> *Adviser:* Security Investors, LLC<br>| 1.84% | &nbsp;&nbsp;&nbsp;&nbsp; 7.51% | 19.52% | &nbsp;&nbsp;&nbsp; 4.64% |
| Specialty-Sector | Rydex VIF Energy Services<br> *Adviser:* Security Investors, LLC<br>| 1.84% | &nbsp;&nbsp;&nbsp;&nbsp; 1.74% | 10.39% | &nbsp;&nbsp; -5.65% |
| International <br> Equity<br>| Rydex VIF Europe 1.25x Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.97% | &nbsp;&nbsp; 36.46% | 10.40% | &nbsp;&nbsp;&nbsp; 7.59% |
| Specialty-Sector | Rydex VIF Financial Services<br> *Adviser:* Security Investors, LLC<br>| 1.88% | &nbsp;&nbsp; 10.76% | 11.31% | &nbsp;&nbsp;&nbsp; 9.88% |
| Government <br> Bond<br>| Rydex VIF Government Long Bond 1.2x Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.51% | &nbsp;&nbsp;&nbsp;&nbsp; 1.67% | -13.64% | &nbsp;&nbsp; -3.35% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Specialty-Sector | Rydex VIF Health Care<br> *Adviser:* Security Investors, LLC<br>| 1.84% | &nbsp;&nbsp; 14.07% | &nbsp;&nbsp;&nbsp; 4.64% | &nbsp;&nbsp;&nbsp; 7.44% |
| High Yield Bond | Rydex VIF High Yield Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.80% | &nbsp;&nbsp;&nbsp;&nbsp; 9.87% | &nbsp;&nbsp;&nbsp; 3.52% | &nbsp;&nbsp;&nbsp; 4.77% |
| Specialty-Sector | Rydex VIF Internet<br> *Adviser:* Security Investors, LLC<br>| 1.84% | &nbsp;&nbsp; 18.50% | &nbsp;&nbsp;&nbsp; 2.54% | 11.93% |
| Specialty | Rydex VIF Inverse Dow 2x Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.94% | -20.69% | -18.02% | -25.05% |
| Specialty | Rydex VIF Inverse Government Long Bond Strategy<br> *Adviser:* Security Investors, LLC<br>| 5.82% | &nbsp;&nbsp;&nbsp;&nbsp; 1.85% | 12.87% | &nbsp;&nbsp;&nbsp; 1.41% |
| Specialty | Rydex VIF Inverse Mid-Cap Strategy<br> *Adviser:* Security Investors, LLC<br>| 2.03% | &nbsp;&nbsp;&nbsp; -5.11% | &nbsp;&nbsp; -7.51% | -10.94% |
| Specialty | Rydex VIF Inverse NASDAQ-100<sup>®</sup> Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.98% | -16.18% | -13.53% | -17.67% |
| Specialty | Rydex VIF Inverse Russell 2000<sup>®</sup> Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.98% | &nbsp;&nbsp;&nbsp; -9.58% | &nbsp;&nbsp; -6.24% | -11.19% |
| Specialty | Rydex VIF Inverse S&P 500 Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.94% | -11.76% | -10.49% | -12.91% |
| International <br> Equity<br>| Rydex VIF Japan 2x Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.73% | &nbsp;&nbsp; 51.54% | &nbsp;&nbsp;&nbsp; 0.16% | &nbsp;&nbsp;&nbsp; 9.51% |
| Specialty-Sector | Rydex VIF Leisure<br> *Adviser:* Security Investors, LLC<br>| 1.84% | &nbsp;&nbsp;&nbsp;&nbsp; 8.47% | &nbsp;&nbsp;&nbsp; 2.50% | &nbsp;&nbsp;&nbsp; 7.27% |
| Mid Cap Blend | Rydex VIF Mid-Cap 1.5x Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.92% | &nbsp;&nbsp;&nbsp;&nbsp; 5.04% | &nbsp;&nbsp;&nbsp; 8.37% | 11.16% |
| Large Cap <br> Growth<br>| Rydex VIF NASDAQ-100<sup>®</sup><br> *Adviser:* Security Investors, LLC<br>| 1.83% | &nbsp;&nbsp; 19.04% | 13.32% | 17.60% |
| Large Cap <br> Growth<br>| Rydex VIF NASDAQ-100<sup>®</sup> 2x Strategy<br> *Adviser:* Security Investors, LLC<br>| 2.00% | &nbsp;&nbsp; 29.24% | 18.83% | 29.69% |
| Large Cap <br> Blend<br>| Rydex VIF Nova<br> *Adviser:* Security Investors, LLC<br>| 1.80% | &nbsp;&nbsp; 20.87% | 16.53% | 17.73% |
| Specialty-Sector | Rydex VIF Precious Metals<br> *Adviser:* Security Investors, LLC<br>| 1.73% | 147.37% | 17.52% | 21.08% |
| Specialty-Sector | Rydex VIF Real Estate<br> *Adviser:* Security Investors, LLC<br>| 1.83% | &nbsp;&nbsp;&nbsp;&nbsp; 2.88% | &nbsp;&nbsp;&nbsp; 3.02% | &nbsp;&nbsp;&nbsp; 4.00% |
| Specialty-Sector | Rydex VIF Retailing<br> *Adviser:* Security Investors, LLC<br>| 1.83% | &nbsp;&nbsp; 10.18% | &nbsp;&nbsp;&nbsp; 4.22% | &nbsp;&nbsp;&nbsp; 9.18% |
| Small Cap <br> Blend<br>| Rydex VIF Russell 2000<sup>®</sup> 1.5x Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.99% | &nbsp;&nbsp; 12.47% | &nbsp;&nbsp;&nbsp; 3.43% | &nbsp;&nbsp;&nbsp; 9.25% |
| Small Cap <br> Blend<br>| Rydex VIF Russell 2000<sup>®</sup> 2x Strategy<br> *Adviser:* Security Investors, LLC<br>| 1.98% | &nbsp;&nbsp; 12.07% | &nbsp;&nbsp;&nbsp; 1.43% | &nbsp;&nbsp;&nbsp; 9.07% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Large Cap <br> Blend<br>| Rydex VIF S&P 500 2x Strategy<br> *Adviser:* Security Investors, LLC<br>| 2.00% | &nbsp;&nbsp; 25.28% | 19.77% | 21.33% |
| Large Cap <br> Growth<br>| Rydex VIF S&P 500 Pure Growth<br> *Adviser:* Security Investors, LLC<br>| 1.74% | &nbsp;&nbsp; 11.75% | &nbsp;&nbsp;&nbsp; 6.62% | 10.34% |
| Large Cap <br> Value<br>| Rydex VIF S&P 500 Pure Value<br> *Adviser:* Security Investors, LLC<br>| 1.74% | &nbsp;&nbsp; 16.02% | 12.00% | &nbsp;&nbsp;&nbsp; 8.64% |
| Mid Cap Growth | Rydex VIF S&P MidCap 400 Pure Growth<br> *Adviser:* Security Investors, LLC<br>| 1.74% | &nbsp;&nbsp;&nbsp;&nbsp; 7.18% | &nbsp;&nbsp;&nbsp; 4.39% | &nbsp;&nbsp;&nbsp; 6.85% |
| Mid Cap Value | Rydex VIF S&P MidCap 400 Pure Value<br> *Adviser:* Security Investors, LLC<br>| 1.74% | &nbsp;&nbsp;&nbsp;&nbsp; 6.12% | 12.00% | 10.60% |
| Small Cap <br> Growth<br>| Rydex VIF S&P SmallCap 600 Pure Growth<br> *Adviser:* Security Investors, LLC<br>| 1.74% | &nbsp;&nbsp;&nbsp;&nbsp; 8.59% | &nbsp;&nbsp;&nbsp; 2.89% | &nbsp;&nbsp;&nbsp; 6.53% |
| Small Cap <br> Value<br>| Rydex VIF S&P SmallCap 600 Pure Value<br> *Adviser:* Security Investors, LLC<br>| 1.74% | &nbsp;&nbsp;&nbsp;&nbsp; 6.77% | 12.03% | &nbsp;&nbsp;&nbsp; 7.65% |
| Specialty | Rydex VIF Strengthening Dollar 2x Strategy<br> *Adviser:* Security Investors, LLC<br>| 2.14% | -14.29% | &nbsp;&nbsp;&nbsp; 6.16% | &nbsp;&nbsp;&nbsp; 1.80% |
| Specialty-Sector | Rydex VIF Technology<br> *Adviser:* Security Investors, LLC<br>| 1.83% | &nbsp;&nbsp; 25.70% | 12.27% | 18.37% |
| Specialty-Sector | Rydex VIF Telecommunications<br> *Adviser:* Security Investors, LLC<br>| 1.83% | &nbsp;&nbsp; 31.13% | &nbsp;&nbsp;&nbsp; 5.45% | &nbsp;&nbsp;&nbsp; 6.64% |
| Specialty-Sector | Rydex VIF Transportation<br> *Adviser:* Security Investors, LLC<br>| 1.83% | &nbsp;&nbsp; 11.79% | &nbsp;&nbsp;&nbsp; 2.32% | &nbsp;&nbsp;&nbsp; 8.06% |
| Money Market | Rydex VIF U.S. Government Money Market<br> *Adviser:* Security Investors, LLC<br>| 1.49% | &nbsp;&nbsp;&nbsp;&nbsp; 2.84% | &nbsp;&nbsp;&nbsp; 2.22% | &nbsp;&nbsp;&nbsp; 1.26% |
| Specialty-Sector | Rydex VIF Utilities<br> *Adviser:* Security Investors, LLC<br>| 1.84% | &nbsp;&nbsp; 17.07% | &nbsp;&nbsp;&nbsp; 8.56% | &nbsp;&nbsp;&nbsp; 8.60% |
| Specialty | Rydex VIF Weakening Dollar 2x Strategy<br> *Adviser:* Security Investors, LLC<br>| 2.14% | &nbsp;&nbsp; 18.97% | &nbsp;&nbsp; -5.72% | &nbsp;&nbsp; -2.86% |
| Large Cap <br> Growth<br>| T. Rowe Price Blue Chip Growth – Class II<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.00% | &nbsp;&nbsp; 18.43% | 11.41% | 15.25% |
| Large Cap <br> Value<br>| T. Rowe Price Equity Income – Class II<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 0.99% | &nbsp;&nbsp; 14.07% | 10.89% | 10.24% |
| Specialty-Sector | T. Rowe Price Health Sciences – Class II<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.11% | &nbsp;&nbsp; 17.80% | &nbsp;&nbsp;&nbsp; 3.86% | &nbsp;&nbsp;&nbsp; 8.70% |
| Short Term <br> Bond<br>| T. Rowe Price Limited-Term Bond – Class II<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 0.85% | &nbsp;&nbsp;&nbsp;&nbsp; 5.46% | &nbsp;&nbsp;&nbsp; 1.91% | &nbsp;&nbsp;&nbsp; 2.09% |
| Emerging <br> Markets<br>| Templeton Emerging Markets VIP Fund – Class 2<br> *Adviser:* Templeton Asset Management Ltd<br> *Sub-Adviser:* Franklin Templeton Investment <br> Management Limited<br>| 1.37% | &nbsp;&nbsp; 46.27% | &nbsp;&nbsp;&nbsp; 5.46% | 10.40% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| International <br> Equity<br>| Templeton Foreign VIP Fund – Class 2<br> *Adviser:* Templeton Investment Counsel, LLC<br>| 1.09% | &nbsp;&nbsp; 29.19% | &nbsp;&nbsp;&nbsp; 8.25% | &nbsp;&nbsp;&nbsp; 5.75% |
| Global Bond | Templeton Global Bond VIP Fund – Class 2<br> *Adviser:* Franklin Advisers, Inc.<br>| 0.78% | &nbsp;&nbsp; 15.73% | &nbsp;&nbsp; -0.96% | &nbsp;&nbsp; -0.15% |
| Global Equity | Templeton Growth VIP Fund – Class 2<br> *Adviser:* Templeton Global Advisors Limited<br>| 1.19% | &nbsp;&nbsp; 23.83% | &nbsp;&nbsp;&nbsp; 7.95% | &nbsp;&nbsp;&nbsp; 7.04% |
| World Large <br> Stock<br>| Third Avenue Value<br> *Adviser:* Third Avenue Management LLC<br>| 1.38% | &nbsp;&nbsp; 34.85% | 17.68% | &nbsp;&nbsp;&nbsp; 9.66% |
| Balanced/Asset <br> Allocation<br>| TOPS<sup>®</sup> Aggressive ETF – Investor Class<br> *Adviser:* ValMark Advisers, Inc.<br> *Sub-Adviser:* Milliman Financial Risk Management LLC<br>| 0.79% | &nbsp;&nbsp; 18.53% | &nbsp;&nbsp;&nbsp; 9.15% | &nbsp;&nbsp;&nbsp; 9.99% |
| Balanced/Asset <br> Allocation<br>| TOPS<sup>®</sup> Balanced ETF – Investor Class<br> *Adviser:* ValMark Advisers, Inc.<br> *Sub-Adviser:* Milliman Financial Risk Management LLC<br>| 0.79% | &nbsp;&nbsp; 12.59% | &nbsp;&nbsp;&nbsp; 5.26% | &nbsp;&nbsp;&nbsp; 6.10% |
| Balanced/Asset <br> Allocation<br>| TOPS<sup>®</sup> Conservative ETF – Investor Class<br> *Adviser:* ValMark Advisers, Inc.<br> *Sub-Adviser:* Milliman Financial Risk Management LLC<br>| 0.81% | &nbsp;&nbsp;&nbsp;&nbsp; 9.76% | &nbsp;&nbsp;&nbsp; 4.09% | &nbsp;&nbsp;&nbsp; 4.77% |
| Balanced/Asset <br> Allocation<br>| TOPS<sup>®</sup> Managed Risk Balanced ETF – Investor Class<br> *Adviser:* ValMark Advisers, Inc.<br> *Sub-Adviser:* Milliman Financial Risk Management LLC<br>| 1.01% | &nbsp;&nbsp;&nbsp;&nbsp; 7.85% | &nbsp;&nbsp; -1.85% | &nbsp;&nbsp;&nbsp; 1.85% |
| Balanced/Asset <br> Allocation<br>| TOPS<sup>®</sup> Managed Risk Moderate ETF – Investor Class<br> *Adviser:* ValMark Advisers, Inc.<br> *Sub-Adviser:* Milliman Financial Risk Management LLC<br>| 1.00% | &nbsp;&nbsp; 10.50% | &nbsp;&nbsp;&nbsp; 3.15% | &nbsp;&nbsp;&nbsp; 4.73% |
| Balanced/Asset <br> Allocation<br>| TOPS<sup>®</sup> Managed Risk Moderately Aggressive ETF – <br> Investor Class<br> *Adviser:* ValMark Advisers, Inc.<br> *Sub-Adviser:* Milliman Financial Risk Management LLC<br>| 1.00% | &nbsp;&nbsp; 11.58% | &nbsp;&nbsp;&nbsp; 5.25% | &nbsp;&nbsp;&nbsp; 5.93% |
| Balanced/Asset <br> Allocation<br>| TOPS<sup>®</sup> Moderate ETF – Investor Class<br> *Adviser:* ValMark Advisers, Inc.<br> *Sub-Adviser:* Milliman Financial Risk Management LLC<br>| 0.78% | &nbsp;&nbsp; 14.87% | &nbsp;&nbsp;&nbsp; 6.66% | &nbsp;&nbsp;&nbsp; 7.63% |
| Balanced/Asset <br> Allocation<br>| TOPS<sup>®</sup> Moderately Aggressive ETF – Investor Class<br> *Adviser:* ValMark Advisers, Inc.<br> *Sub-Adviser:* Milliman Financial Risk Management LLC<br>| 0.79% | &nbsp;&nbsp; 17.74% | &nbsp;&nbsp;&nbsp; 8.30% | &nbsp;&nbsp;&nbsp; 9.12% |
| Specialty-Sector | VanEck VIP Global Gold – Class S<br> *Adviser:* Van Eck Associates Corporation<br>| 1.47% | 164.43% | 20.00% | 20.89% |
| Specialty-Sector | VanEck VIP Global Resources – Class S<br> *Adviser:* Van Eck Associates Corporation<br>| 1.32% | &nbsp;&nbsp; 36.17% | 10.24% | &nbsp;&nbsp;&nbsp; 8.06% |
| Balanced/Asset <br> Allocation<br>| Vanguard<sup>®</sup> VIF Balanced<br> *Adviser:* Wellington Management Company LLP<br>| 0.20% | &nbsp;&nbsp; 16.46% | &nbsp;&nbsp;&nbsp; 9.29% | 10.03% |
| Large Cap <br> Growth<br>| Vanguard<sup>®</sup> VIF Capital Growth<br> *Adviser:* PRIMECAP Management Company<br>| 0.34% | &nbsp;&nbsp; 28.98% | 13.97% | 14.96% |
| Asset <br> Allocation/<br> Lifestyle<br>| Vanguard<sup>®</sup> VIF Conservative Allocation<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.12% | &nbsp;&nbsp; 12.73% | &nbsp;&nbsp;&nbsp; 4.22% | &nbsp;&nbsp;&nbsp; 6.14% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Large Cap <br> Value<br>| Vanguard<sup>®</sup> VIF Diversified Value<br> *Adviser:* Hotchkis and Wiley Capital Management, LLC; <br> Aristotle Capital Management, LLC; Harris Associates <br> L.P.<br>| 0.28% | &nbsp;&nbsp; 16.83% | 13.24% | 11.76% |
| Large Cap <br> Value<br>| Vanguard<sup>®</sup> VIF Equity Income<br> *Adviser:* Wellington Management Company LLP; The <br> Vanguard Group, Inc.<br>| 0.29% | &nbsp;&nbsp; 16.80% | 12.59% | 11.52% |
| Large Cap <br> Blend<br>| Vanguard<sup>®</sup> VIF Equity Index<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.14% | &nbsp;&nbsp; 17.70% | 14.27% | 14.66% |
| Global Bond | Vanguard<sup>®</sup> VIF Global Bond Index<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.13% | &nbsp;&nbsp;&nbsp;&nbsp; 5.69% | &nbsp;&nbsp; -0.41% | &nbsp;&nbsp;&nbsp;&nbsp; N/A |
| Large Cap <br> Growth<br>| Vanguard<sup>®</sup> VIF Growth<br> *Adviser:* Wellington Management Company LLP<br>| 0.36% | &nbsp;&nbsp; 16.89% | 11.36% | 15.58% |
| High Yield Bond | Vanguard<sup>®</sup> VIF High Yield Bond<br> *Adviser:* Wellington Management Company LLP; The <br> Vanguard Group, Inc.<br>| 0.24% | &nbsp;&nbsp;&nbsp;&nbsp; 9.18% | &nbsp;&nbsp;&nbsp; 4.05% | &nbsp;&nbsp;&nbsp; 5.62% |
| International <br> Equity<br>| Vanguard<sup>®</sup> VIF International<br> *Adviser:* Baillie Gifford Overseas Ltd; Schroder <br> Investment Management North America Inc.<br>| 0.32% | &nbsp;&nbsp; 19.97% | &nbsp;&nbsp;&nbsp; 0.62% | 10.48% |
| Mid Cap Blend | Vanguard<sup>®</sup> VIF Mid-Cap Index<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.17% | &nbsp;&nbsp; 11.54% | &nbsp;&nbsp;&nbsp; 8.46% | 10.77% |
| Asset <br> Allocation/<br> Lifestyle<br>| Vanguard<sup>®</sup> VIF Moderate Allocation<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.12% | &nbsp;&nbsp; 16.19% | &nbsp;&nbsp;&nbsp; 6.51% | &nbsp;&nbsp;&nbsp; 8.14% |
| Specialty-Sector | Vanguard<sup>®</sup> VIF Real Estate Index<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.26% | &nbsp;&nbsp;&nbsp;&nbsp; 3.11% | &nbsp;&nbsp;&nbsp; 4.51% | &nbsp;&nbsp;&nbsp; 5.08% |
| Short Term <br> Bond<br>| Vanguard<sup>®</sup> VIF Short Term Investment Grade<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.14% | &nbsp;&nbsp;&nbsp;&nbsp; 6.85% | &nbsp;&nbsp;&nbsp; 2.23% | &nbsp;&nbsp;&nbsp; 2.81% |
| Small Cap <br> Growth<br>| Vanguard<sup>®</sup> VIF Small Company Growth<sup>2</sup> <br>*Adviser:* ArrowMark Colorado Holdings, LLC<br>| 0.29% | &nbsp;&nbsp;&nbsp;&nbsp; 6.11% | &nbsp;&nbsp;&nbsp; 3.81% | &nbsp;&nbsp;&nbsp; 9.61% |
| Intermediate <br> Term Bond<br>| Vanguard<sup>®</sup> VIF Total Bond Market Index<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.14% | &nbsp;&nbsp;&nbsp;&nbsp; 6.94% | &nbsp;&nbsp; -0.51% | &nbsp;&nbsp;&nbsp; 1.90% |
| International <br> Equity<br>| Vanguard<sup>®</sup> VIF Total International Stock Market Index<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.09% | &nbsp;&nbsp; 32.04% | &nbsp;&nbsp;&nbsp; 7.88% | &nbsp;&nbsp;&nbsp;&nbsp; N/A |
| Large Cap <br> Blend<br>| Vanguard<sup>®</sup> VIF Total Stock Market Index<br> *Adviser:* The Vanguard Group, Inc.<br>| 0.13% | &nbsp;&nbsp; 16.93% | 12.98% | 14.10% |
| Intermediate <br> Term Bond<br>| Victory Pioneer Bond VCT – Class II<br> *Adviser:* Victory Capital Management Inc.<br>| 1.17% | &nbsp;&nbsp;&nbsp;&nbsp; 8.88% | &nbsp;&nbsp;&nbsp; 0.51% | &nbsp;&nbsp;&nbsp; 2.59% |
| Large Cap <br> Value<br>| Victory Pioneer Equity Income VCT - Class II<br> *Adviser:* Victory Capital Management Inc.<br>| 1.05% | &nbsp;&nbsp; 11.14% | &nbsp;&nbsp;&nbsp; 8.81% | &nbsp;&nbsp;&nbsp; 9.11% |
| High Yield Bond | Victory Pioneer High Yield VCT - Class II<br> *Adviser:* Victory Capital Management Inc.<br>| 1.36% | &nbsp;&nbsp;&nbsp;&nbsp; 7.92% | &nbsp;&nbsp;&nbsp; 3.95% | &nbsp;&nbsp;&nbsp; 5.16% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Multi-Sector <br> Bond<br>| Victory Pioneer Strategic Income VCT - Class II<br> *Adviser:* Victory Capital Management Inc.<br>| 1.96% | &nbsp;&nbsp; 10.85% | &nbsp;&nbsp;&nbsp; 1.99% | &nbsp;&nbsp;&nbsp; 3.64% |
| Specialty-Sector | Virtus Duff & Phelps Real Estate Securities Series – <br> Class A<br> *Adviser:* Virtus Investment Advisers, LLC<br> *Sub-Adviser:* Duff & Phelps Investment Management Co.<br>| 1.19% | &nbsp;&nbsp;&nbsp;&nbsp; 0.72% | &nbsp;&nbsp;&nbsp; 6.06% | &nbsp;&nbsp;&nbsp; 5.95% |
| Small Cap <br> Growth<br>| Virtus KAR Small-Cap Growth Series – Class A<br> *Adviser:* Virtus Investment Advisers, LLC<br> *Sub-Adviser:* Kayne Anderson Rudnick Investment <br> Management LLC<br>| 1.33% | -22.62% | &nbsp;&nbsp; -5.76% | 11.33% |
| Multi-Sector <br> Bond<br>| Virtus Newfleet Multi-Sector Intermediate Bond Series – <br> Class A<br> *Adviser:* Virtus Investment Advisers, LLC<br> *Sub-Adviser:* Newfleet Asset Management<br>| 0.98% | &nbsp;&nbsp;&nbsp;&nbsp; 7.58% | &nbsp;&nbsp;&nbsp; 2.52% | &nbsp;&nbsp;&nbsp; 4.23% |
| International <br> Equity<br>| Virtus SGA International Growth Series – Class A<br> *Adviser:* Virtus Investment Advisers, LLC<br> *Sub-Adviser:* Sustainable Growth Advisers, LP<br>| 1.21% | &nbsp;&nbsp;&nbsp;&nbsp; 9.26% | &nbsp;&nbsp;&nbsp; 1.42% | &nbsp;&nbsp;&nbsp; 4.10% |
| Balanced/Asset <br> Allocation<br>| Virtus Tactical Allocation Series – Class A<br> *Adviser:* Virtus Investment Advisers, LLC<br> *Sub-Adviser:* Kayne Anderson Rudnick Investment <br> Management, LLC<br>| 1.07% | &nbsp;&nbsp;&nbsp;&nbsp; 6.79% | &nbsp;&nbsp;&nbsp; 2.09% | &nbsp;&nbsp;&nbsp; 7.77% |
| Mid Cap Growth | Voya MidCap Opportunities Portfolio – Class S2<br> *Adviser:* Voya Investments, LLC<br> *Sub-Adviser:* Voya Investment Management Co. LLC<br>| 1.47% | &nbsp;&nbsp;&nbsp;&nbsp; 3.49% | &nbsp;&nbsp;&nbsp; 4.14% | 10.53% |
| Specialty-Sector | VY<sup>®</sup> CBRE Global Real Estate Portfolio – Class S2<br> *Adviser:* Voya Investments, LLC<br> *Sub-Adviser:* CBRE Investment Management Listed Real <br> Assets, LLC<br>| 1.52% | &nbsp;&nbsp;&nbsp;&nbsp; 6.35% | &nbsp;&nbsp;&nbsp; 3.60% | &nbsp;&nbsp;&nbsp; 3.57% |
| Specialty-Sector | VY<sup>®</sup> Columbia Real Estate Portfolio – Class S2<br> *Adviser:* Voya Investments, LLC<br> *Sub-Adviser:* Columbia Management Investment <br> Advisers, LLC<br>| 1.40% | &nbsp;&nbsp;&nbsp; -0.10% | &nbsp;&nbsp;&nbsp; 5.51% | &nbsp;&nbsp;&nbsp; 4.64% |
| High Yield Bond | Western Asset Variable Global High Yield Bond – Class <br> II<br> *Adviser:* Franklin Templeton Fund Adviser, LLC<br> *Sub-Adviser:* Western Asset Management Company, <br> LLC; Western Asset Management Company Limited <br> (London); Western Asset Management Company Pte. <br> Ltd. (Singapore)<br>| 1.06% | &nbsp;&nbsp;&nbsp;&nbsp; 9.95% | &nbsp;&nbsp;&nbsp; 2.34% | &nbsp;&nbsp;&nbsp; 5.09% |
| &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements |
| &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. |

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**Optional Rider Investment Restrictions**

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There are no investment restrictions under the Contract. However, if you elected one of the optional riders listed in the table below, your Contract is impacted by investment allocations, as set forth below.

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| | | |
|:---|:---|:---|
| **Rider No Longer Available** | **Rider No Longer Available** | **Rider No Longer Available** |
| **Rider** | **Investment Restriction** | **Investment Allocation Impact on Crediting Rate** |
| 6% Dollar for Dollar <br> Guaranteed Minimum Income <br> Benefit<br>| N/A | The Company will credit a maximum rate of 3% for amounts <br> allocated to the Rydex VIF U.S. Government Money Market <br> Subaccount; however, you will still pay the full rider charge. All <br> other investments will be credited at 6%.<br>|

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

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The Prospectus and Statement of Additional Information (SAI) are parts of the registration statement that we filed with the Securities and Exchange Commission (SEC), dated May 1, 2026. Both documents contain additional important information about the Contract. The Prospectus and SAI are incorporated herein by reference, which means they are legally a part of this Updating Summary Prospectus.

The SAI may be obtained, free of charge, from us in the same manner as the Prospectus, as described on the front page of this Updating Summary Prospectus.

The SEC maintains a website (http://www.sec.gov) that contains the registration statement, material incorporated by reference, and other information regarding companies that file electronically with the SEC. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

EDGAR contract identifier C000042185

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