# EDGAR Filing Document

**Accession Number:** 0000727892
**File Stem:** 0001193125-26-196418
**Filing Date:** 2026-4
**Character Count:** 197640
**Document Hash:** e7e04a4a75158380579fa15a7bb39202
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-196418.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001193125-26-196418

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**EFFECTIVENESS DATE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RIVERSOURCE LIFE INSURANCE CO
- **CENTRAL INDEX KEY:** 0000727892
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]

**ORGANIZATION NAME:**
- **EIN:** 410823832
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-282407
- **FILM NUMBER:** 26923463

**BUSINESS ADDRESS:**
- **STREET 1:** 1099 AMERIPRISE FINANCIAL CENTER
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474
- **BUSINESS PHONE:** 6126713131

**MAIL ADDRESS:**
- **STREET 1:** 1099 AMERIPRISE FINANCIAL CENTER
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IDS LIFE INSURANCE CO
- **DATE OF NAME CHANGE:** 19970414

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IDS LIFE INSURANCE CO /MN
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### RIVERSOURCE LIFE INSURANCE CO (Series ID: S000091107)

| Class ID   | Class Name                     | Ticker Symbol   |
|:---|:---|:---|
| C000258502 | Structured Solutions 2 Annuity |  |

*RiverSource*<sup>®</sup>

*Structured Solutions 2*<sup>SM</sup> annuity

**SINGLE PURCHASE PAYMENT DEFERRED INDEX-LINKED ANNUITY CONTRACT AND INTERESTS THEREIN** 

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| | |
|:---|:---|
| **Issued by:** | **RiverSource Life Insurance Company (RiverSource Life)** |
|  | &nbsp;&nbsp; 70100 Ameriprise Financial Center <br> Minneapolis, MN 55474 <br> Telephone: 1-800-862-7919 <br> (Service Center)<br>|

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**Updating Summary Prospectus**

**May 1, 2026**

The Prospectus for the *RiverSource Structured Solutions 2 annuity* (the Contract), a group deferred combination fixed/variable annuity contract issued by RiverSource Life Insurance Company ("RVS Life", "we", "us" and "our"), is available and 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 riversource.com/annuities. You can also obtain this information at no cost by calling 1-800-862-7919 or by sending an email request to riversource.annuityservice@ampf.com.

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

**The Securities and Exchange Commission has not approved or disapproved these securities or determined if this prospectus is accurate or complete. Any representation to the contrary is a criminal offense.**

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*RiverSource Structured Solutions 2 annuity* — Summary Prospectus 1

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Contents

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

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| | |
|:---|:---|
| [Key Terms](#xx_eb04aee5-afc4-43e8-bf12-64827deb55fb_1) | 3  |
| [Updated Information You Should Consider About the](#xx_e064c6c3-7415-40ee-837c-8883bf777844_1)[Contract](#xx_e064c6c3-7415-40ee-837c-8883bf777844_1) | 5  |
| [Important Information You Should Consider About the Contract](#xx_28c98e2e-9d4c-4345-a468-c1fabfc44052_1) | 6  |
| [Appendix](#xx_f116b0df-5df5-48c0-b3c6-7cb20f381432_1)[A](#xx_f116b0df-5df5-48c0-b3c6-7cb20f381432_1)[: Investment Options Available Under the Contract](#xx_f116b0df-5df5-48c0-b3c6-7cb20f381432_1) | 13 |

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2 RiverSource Structured Solutions 2 annuity — Summary Prospectus

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Key Terms

*These terms can help you understand details about your Contract.*

**Annual Fee (Reduction Rate).** A percentage that applies to certain Indexed Accounts (as defined in Your Contract) which is used to determine the Total Reduction Rate.

**Annualized Income Rate.** A declared annualized percentage that is used to determine the Monthly Income for the Income Choice crediting method and limits positive Index returns.

**Annuitant.** The person or persons on whose life periodic Annuity Payments depend.

**Annuity Payments.** Periodic payments We make to You, or other named recipient(s), beginning on the Annuitization Start Date.

**Buffer.** A protection option for certain Crediting Methods. The Buffer percentage is the maximum percentage decrease in the Index rate of return before the Segment will incur a loss. If the Index rate of return is more negative than the Buffer percentage, the negative Index rate of return will be reduced by the Buffer percentage. If the Index rate of return is negative and between zero and the Buffer percentage (inclusive of the Buffer percentage), the Segment will not have a loss due to negative Index performance. The Buffer percentage for each applicable Indexed Account will not change for the duration of the Contract.

**Cap.** For certain Crediting Methods, a declared maximum rate of return for a Segment when the Index rate of return is positive.

**Contingent Return.** A declared rate of return for certain Crediting Methods that limits positive Index returns. You will earn a predetermined rate of return if the Index rate of return is positive or is a loss that does not exceed the Buffer or Trigger percentage.

**Contract Anniversary.** The same Day and month as the Contract Date each year that the Contract remains in force.

**Contract Value.** The sum of the values in the Interim Account and the Indexed Account(s).

**Crediting Method.** A method used to determine the Segment rate of return.

**Index.** A published index used to determine the Segment rate of return or the reference rate for the Market Value Adjustment. For purposes of this Contract, an Exchange Traded Fund (ETF) is considered an index.

**Indexed Account.** An option available to which You allocate the purchase payment and Contract Value. Each Indexed Account includes an Index(es), Crediting Method, duration, and protection option with a protection percentage. The Crediting Method, duration and applicable protection option and percentage for each Indexed Account will not change for the duration of the Contract.

**Interim Account.** An option available to which You may allocate Contract Value after the MVA Period or after a spousal continuation, subject to the limits in the Transfer of Contract Value provision. Also, used to hold amounts for the optional automated transfer program and transfers of the Monthly Income amount if elected by You. Amounts applied to the Interim Account earn a declared rate of interest.

**Investment Base.** The Investment Base is used to calculate the Segment Value. Each Segment has its own Investment Base. When a Segment starts, the Investment Base is set equal to the portion of the purchase payment or Contract Value that is allocated to an Indexed Account. The Investment Base is adjusted proportionally for partial surrenders and any rider charges based on the percentage of Segment Value that is surrendered/deducted (i.e. the Investment Base is reduced by more or less than the dollar amount surrendered/deducted depending on whether the Segment Value is less than or greater than the Investment Base, which is generally dependent upon the performance of the Index in addition to other factors. See "Valuing Your Investment – Indexed Account(s) Value" for more information). **The Investment Base is separate from Your Contract Value and Segment Value and cannot be withdrawn in a lump sum or annuitized and is not payable as a death benefit.**

**Monthly Income.** The amount payable each month for a Segment with an Income Choice Crediting Method.

**Segment.** A Segment is created each time an amount is allocated to an Indexed Account. A Segment can only start on the Contract Date or on a Contract Anniversary.

**Segment Lock Date.** The Business Day the Segment is locked by either the elective or automatic lock feature.

**Segment Maturity Date.** The date a Segment ends. This is the Contract Anniversary date either (1) after the specified number of years following the Segment start date or (2) as changed by either an elective or automatic lock.

**Segment Value.** The amount of Your Contract Value that is allocated to a Segment. The value fluctuates daily. <br>

**Segment Value Calculation.** The calculation used to determine the daily Segment Value on any day other than on the Segment start date and the Segment Maturity Date. The result of this calculation determines the amount available for full and partial surrenders (including RMDs and the Total Surrender Charge Free Amount), death benefits, and amounts applied to an annuity payment plan, as well as for the elective and automatic lock features.

**Surrender Charge.** A charge We may deduct, based on the Surrender Charge schedule You selected at the time of application, if You surrender all or part of Your Contract Value before the end of the Surrender Charge period. A Surrender Charge does not apply to the Total Surrender Charge Free Amount.

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*RiverSource Structured Solutions 2 annuity* — Summary Prospectus 3

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**Total Reduction Rate.** A percentage (based on the Annual Fee (Reduction Rate) and the duration of the Indexed Account) that applies to certain Indexed Accounts. It reduces the Segment rate of return (e.g., lowers a positive Segment rate of return and increases a negative Segment rate of return) on the Segment Maturity Date. Prior to the Segment Maturity Date, a portion of the Total Reduction Rate is reflected in the Segment Value based on the portion of the Segment that has elapsed. In Your Contract, this is defined as "total fee".

**Total Surrender Charge Free Amount.** The total amount You may surrender in any contract year during the Surrender Charge period without incurring a Surrender Charge. The Total Surrender Charge Free Amount is subject to the Segment Value Calculation if surrendered before the Segment Maturity Date. A Market Value Adjustment will apply to the Total Surrender Charge Free Amount during the Surrender Charge period.

**Trigger.** A protection option for Contingent Return, only available for Contacts with applications signed prior to May 4, 2026. The Trigger percentage is the maximum percentage decrease in the Index rate of return before the Segment will incur a loss. If the Index rate of return is more negative than the Trigger percentage, this option provides no protection, and the Segment will incur the full negative Index rate of return (unlike the Buffer protection that would reduce the loss). If the Index rate of return is negative and between zero and the Trigger percentage (inclusive of the Trigger percentage), the Segment will not have a loss due to negative Index performance. The Trigger percentage for each applicable Indexed Account will not change for the duration of Your Contract.

**Upside Participation Rate.** A declared percentage that may adjust the rate of return for certain Crediting Methods.

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4 *RiverSource Structured Solutions 2 annuity* — Summary Prospectus

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Updated Information You Should Consider About the Contract

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the Prospectus dated May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

**CONTRACT FEATURES** 

• Effective May 27, 2025, the "Appendix B: State Variations" is amended to include Missouri variations.

• Effective January 1, 2026, the "Appendix A: Investment Options Available Under the Contract" is amended to disclose the minimum guaranteed interest rate with respect to the Interim Account for contracts issued on or after January 1, 2026.

• Effective January 12, 2026, the "Appendix B: State Variations" is amended to include Oregon variations.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5

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Important Information You Should Consider About the Contract

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Are There Charges** <br> **or Adjustments for** <br> **Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** <br> If you take a surrender during the first 3 or 6 Contract Years (depending on <br> which Surrender Charge schedule you select), you may be assessed a <br> Surrender Charge of up to 9% of the amount of the purchase payment <br> surrendered. For example, if you make an early withdrawal, you could pay a <br> Surrender Charge of up to $9,000 on a $100,000 investment. The amount <br> available for surrender will be lower if there is a decrease in Contract Value <br> due to the Segment Value Calculation or a negative MVA is applied. Taxes <br> and/or tax penalties may also apply.<br> If all or a portion of Contract Value is removed from a Segment prior to the <br> Segment Maturity Date, the Segment Value Calculation is used to <br> determine the amount available. In extreme circumstances, depending on <br> the Indexed Account(s) you select, You could lose up to 100% of the <br> amount invested in a Segment due to the Segment Value Calculation. For <br> example, if you allocate $100,000 to a 3-year Segment and take a <br> surrender before the 3 years have ended, you could lose up to $100,000. <br> Full and partial surrenders (including RMDs and the Total Surrender Charge <br> Free Amount, but excluding Income Choice monthly income), death <br> benefits, and annuitization from the Segments before the Segment Maturity <br> Date, as well as the elective and automatic lock features, will be based on <br> the Segment Value Calculation.<br> If all or a portion of Contract Value is removed from a Segment before the <br> end of the MVA Period, We will apply an MVA, which may be negative. In <br> extreme circumstances, a negative MVA could significantly reduce the <br> amount You receive. You could lose up to 100% of the amount invested in <br> the Contract due to a negative MVA. For example, if you elect a 3-year <br> Surrender Charge Period (which has a 3-year MVA Period), invest <br> $100,000, and then take a full surrender before the end of the MVA <br> Period, you could lose up to $100,000.<br> An MVA will apply to full and partial surrenders (including RMDs, and the <br> Total Surrender Charge Free Amount, but excluding Income Choice monthly <br> income and Contingent Return earnings when using the optional automated <br> transfer program), annuitization, and death benefit payments from the <br> Segments during the MVA Period. An MVA may increase the death benefit <br> but will not decrease it.<br> Losses due to the Segment Value Calculation or a negative MVA will be <br> greater if you also have to pay Surrender Charges. Taxes and/or tax <br> penalties may also apply. | &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Fees**<br> **Contract Fees,** <br> **Charges and Value** <br> **Adjustments**<br> **Valuing Your** <br> **Investment**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| **No.**  |  |

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6 *RiverSource Structured Solutions 2 annuity* — Summary Prospectus

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|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | &nbsp;&nbsp; **Yes.** <br> The table below describes the current fees and expenses that You may pay <br> *each year*, depending on the optional benefits You choose. Please refer to <br> Your Contract specifications page for information about the specific fees <br> You will pay each year based on the options You have elected. <br> **There is an implicit ongoing fee on the Segments to the extent that Your** <br> **participation in Index gains is limited by Us through the use of a Cap,** <br> **Contingent Return, Annualized Income Rate, and/or Total Reduction** <br> **Rate. This means that Your returns may be lower than the Index's** <br> **returns. However, in return for accepting this limit on Index gains, You** <br> **may receive some protection from Index losses. This implicit ongoing fee** <br> **is not reflected in the tables below.** | &nbsp;&nbsp; **Yes.** <br> The table below describes the current fees and expenses that You may pay <br> *each year*, depending on the optional benefits You choose. Please refer to <br> Your Contract specifications page for information about the specific fees <br> You will pay each year based on the options You have elected. <br> **There is an implicit ongoing fee on the Segments to the extent that Your** <br> **participation in Index gains is limited by Us through the use of a Cap,** <br> **Contingent Return, Annualized Income Rate, and/or Total Reduction** <br> **Rate. This means that Your returns may be lower than the Index's** <br> **returns. However, in return for accepting this limit on Index gains, You** <br> **may receive some protection from Index losses. This implicit ongoing fee** <br> **is not reflected in the tables below.** | &nbsp;&nbsp; **Yes.** <br> The table below describes the current fees and expenses that You may pay <br> *each year*, depending on the optional benefits You choose. Please refer to <br> Your Contract specifications page for information about the specific fees <br> You will pay each year based on the options You have elected. <br> **There is an implicit ongoing fee on the Segments to the extent that Your** <br> **participation in Index gains is limited by Us through the use of a Cap,** <br> **Contingent Return, Annualized Income Rate, and/or Total Reduction** <br> **Rate. This means that Your returns may be lower than the Index's** <br> **returns. However, in return for accepting this limit on Index gains, You** <br> **may receive some protection from Index losses. This implicit ongoing fee** <br> **is not reflected in the tables below.** | &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Fees**<br> **Contract Fees,** <br> **Charges and Value** <br> **Adjustments**<br> **Segment Duration** <br> **and Crediting** <br> **Methods–** <br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | **Annual Fee** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Fees**<br> **Contract Fees,** <br> **Charges and Value** <br> **Adjustments**<br> **Segment Duration** <br> **and Crediting** <br> **Methods–** <br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | Base Contract  | 0.00% | 0.00% | &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Fees**<br> **Contract Fees,** <br> **Charges and Value** <br> **Adjustments**<br> **Segment Duration** <br> **and Crediting** <br> **Methods–** <br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | &nbsp;&nbsp; Optional benefits available for an <br> additional charge (for a single <br> optional benefit, if elected)<br>| 0.30% <sup>(1)</sup> <br>| 0.60% <sup>(2)</sup> <br>| &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Fees**<br> **Contract Fees,** <br> **Charges and Value** <br> **Adjustments**<br> **Segment Duration** <br> **and Crediting** <br> **Methods–** <br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | &nbsp;&nbsp; (1) As a percentage of the greater of the Maximum Anniversary Value ("MAV") or the Contract <br> Value on each Contract Anniversary prior to Your 91<sup>st</sup> birthday. On or after Your 91<sup>st</sup> birthday, <br> the charge is a percentage of the MAV.<br> (2) As a percentage of the Return of Purchase Payment ("ROPP") Value on each Contract <br> Anniversary.<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning the Contract, <br> the following table shows the lowest and highest cost You could pay each <br> year, based on current charges. This estimate assumes that You do not <br> take withdrawals from the Contract, **which could add Surrender Charges** <br> **and negative market value adjustments that substantially increase costs.** | &nbsp;&nbsp; (1) As a percentage of the greater of the Maximum Anniversary Value ("MAV") or the Contract <br> Value on each Contract Anniversary prior to Your 91<sup>st</sup> birthday. On or after Your 91<sup>st</sup> birthday, <br> the charge is a percentage of the MAV.<br> (2) As a percentage of the Return of Purchase Payment ("ROPP") Value on each Contract <br> Anniversary.<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning the Contract, <br> the following table shows the lowest and highest cost You could pay each <br> year, based on current charges. This estimate assumes that You do not <br> take withdrawals from the Contract, **which could add Surrender Charges** <br> **and negative market value adjustments that substantially increase costs.** | &nbsp;&nbsp; (1) As a percentage of the greater of the Maximum Anniversary Value ("MAV") or the Contract <br> Value on each Contract Anniversary prior to Your 91<sup>st</sup> birthday. On or after Your 91<sup>st</sup> birthday, <br> the charge is a percentage of the MAV.<br> (2) As a percentage of the Return of Purchase Payment ("ROPP") Value on each Contract <br> Anniversary.<br> Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning the Contract, <br> the following table shows the lowest and highest cost You could pay each <br> year, based on current charges. This estimate assumes that You do not <br> take withdrawals from the Contract, **which could add Surrender Charges** <br> **and negative market value adjustments that substantially increase costs.** | &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Fees**<br> **Contract Fees,** <br> **Charges and Value** <br> **Adjustments**<br> **Segment Duration** <br> **and Crediting** <br> **Methods–** <br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | &nbsp;&nbsp; **Lowest Annual Cost:**<br> $0<br>| &nbsp;&nbsp; **Highest Annual Cost:**<br> $600 | &nbsp;&nbsp; **Highest Annual Cost:**<br> $600 | &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Fees**<br> **Contract Fees,** <br> **Charges and Value** <br> **Adjustments**<br> **Segment Duration** <br> **and Crediting** <br> **Methods–** <br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation (index rate <br> of return)<br> •Least expensive combination of <br> Indexed Accounts<br> •No optional benefits<br> •No sales charge<br> •No additional withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation (index <br> rate of return)<br> •Most expensive combination of <br> optional benefits and Indexed <br> Accounts<br> •Fee for optional death benefit is <br> not based on the Segment Value <br> Calculation<br> •No sales charge<br> •No additional withdrawals | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation (index <br> rate of return)<br> •Most expensive combination of <br> optional benefits and Indexed <br> Accounts<br> •Fee for optional death benefit is <br> not based on the Segment Value <br> Calculation<br> •No sales charge<br> •No additional withdrawals | &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Fees**<br> **Contract Fees,** <br> **Charges and Value** <br> **Adjustments**<br> **Segment Duration** <br> **and Crediting** <br> **Methods–** <br> **Crediting Methods** |

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*RiverSource Structured Solutions 2 annuity* — Summary Prospectus 7

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|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| &nbsp;&nbsp; **Yes.**<br> You can lose money by investing in the Contract. After taking into account <br> the current limits on loss under the Contract, if You invest in an Indexed <br> Account with an Annual Fee (Reduction Rate) or an Annual Lock Indexed <br> Account and hold the Segment until the Segment Maturity Date, the <br> maximum amount of loss You could experience due to negative Index <br> performance is up to 100% of your investment, including any prior <br> earnings. If You invest in any other Indexed Account with a Buffer, the <br> maximum amount of loss You could experience ranges from 0% to 90% of <br> your investment, including any prior earnings, depending on the Indexed <br> Account(s) You select. If you invest in an Indexed Account with a Trigger <br> and hold the Segment until the maturity date, the maximum amount of loss <br> You could experience due to negative Index performance is 100% of your <br> investment, including any prior earnings.<br> We guarantee that the S&P 500 1-year with -10% Buffer Indexed Account <br> will always be available with a Guaranteed Minimum Cap of 2%. In such <br> case, if You invest in this Indexed Account with a -10% Buffer and hold the <br> Segment until the maturity date, You could lose up to 90% of Your <br> investment, including any prior earnings, due to negative Index <br> performance. There is no guarantee the contract will offer any indexed <br> accounts that limit Index loss other than the S&P 500 1 year with -10% <br> Buffer Indexed Account. Without downside protection there is risk of loss of <br> the entire amount invested. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **Segment Duration** <br> **and Crediting** <br> **Methods –** <br> **Crediting Methods**<br>|

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8 *RiverSource Structured Solutions 2 annuity* — Summary Prospectus

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Is this a** <br> **Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp;&nbsp; **No.**<br> •The Contract is not a short-term investment and is not appropriate for an <br> investor who needs ready access to cash.<br> •The Contract's tax deferral and long-term income features are generally <br> more beneficial to investors who intend to hold the Contract for a long <br> period of time and then use the Contract Value to supplement retirement <br> income or for other long-term investment purposes.<br> •Surrenders from the Contract may result in Surrender Charges, taxes <br> and/or tax penalties. The Segment Value Calculation may decrease the <br> amount available for surrender from a Segment before the Segment <br> Maturity Date. <br> •Amounts removed from a Segment before the end of the MVA Period may <br> also result in a negative MVA.<br> •Partial surrenders from the Segments (excluding Income Choice monthly <br> income) will reduce the Investment Base for the Segment based on the <br> percentage of Segment Value that is withdrawn. The reduction to the <br> Investment Base may be greater than the amount withdrawn. <br> •Reductions to the Investment Base will reduce your Segment Value for <br> the remainder of the Segment, including the amount available on the <br> Segment Maturity Date, which may result in loss of positive index <br> performance.<br> •Partial surrenders (including RMDs, the Total Surrender Charge Free <br> Amount, Income Choice monthly income and Contingent Return earnings <br> when using the optional automated transfer program) will proportionally <br> reduce any guaranteed death benefit based on the percentage of <br> Contract Value that is withdrawn. The reduction to the death benefit may <br> be greater than the value withdrawn. <br> •At the end of each Segment, on the Contract Anniversary that coincides <br> with the Segment Maturity Date, all or a portion of your Contract Value <br> will be reallocated according to Your instructions. If no transfer <br> instructions are received and You have not elected automatic <br> rebalancing, any Contract Value in the Interim Account will remain in the <br> Interim Account for another Contract Year, subject to the new declared <br> rate of interest. Any Contract Value in a maturing Segment (excluding <br> amounts transferred under the optional automated transfer program) will <br> renew into a new Segment for the same Indexed Account. If the Indexed <br> Account is no longer available, the Contract Value in the maturing <br> Segment will be automatically transferred to the Interim Account for the <br> next Contract Year. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **Transfers**<br> **Surrenders**<br>|

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*RiverSource Structured Solutions 2 annuity* — Summary Prospectus 9

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|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **What Are the** <br> **Risks Associated** <br> **with the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; An investment in the Contract is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Contract (e.g., the Indexes). Each <br> investment option (including the Interim Account) will have its own unique <br> risks. You should review the available investment options before making an <br> investment decision. <br> The Cap, Contingent Return, Annualized Income Rate, and/or Total <br> Reduction Rates, as applicable, may limit positive Index returns (e.g., <br> limited upside). **This may result in You earning less than the Index rate of** <br> **return.** For example:<br> •*Cap.* If the Index rate of return is 15% and the Cap is 10%, the Segment <br> rate of return will be 10% (the Index rate of return up to the Cap) on the <br> Segment Maturity Date. <br> •*Contingent Return*. If the Index rate of return is 15% and the Contingent <br> Return is 8%, the Segment rate of return will be 8% (the Contingent <br> Return) on the Segment Maturity Date. <br> •*Annualized Income Rate.* If the Index rate of return is 15%, the <br> Annualized Income Rate is 6%, and the Investment Base is $25,000, the <br> Monthly Income will be $125.00 (0.06 x 25,000 / 12) during the <br> Segment, and the Segment rate of return will be 0% on the Segment <br> Maturity Date.<br> •*Total Reduction Rate.* If the Index rate of return is 15%, the Cap is 12%, <br> and the Total Reduction Rate is 2%, the Segment rate of return will be <br> 10% (the Index rate of return up to the Cap, minus the Total Reduction <br> Rate) on the Segment Maturity Date. <br> The Buffer or Trigger percentage, as applicable, may limit negative Index <br> returns (e.g., limited protection in the case of market decline). For <br> example:<br> •*Buffer.* The Buffer percentage is the maximum decrease in the Index <br> Value before the Segment rate of return will reflect a loss. You are <br> responsible for all losses in excess of the Buffer. If the Index rate of <br> return is -15% and the Buffer percentage is -10%, the Segment rate of <br> return will be -5% (the amount of the negative Index rate of return that <br> exceeds the Buffer percentage) on the Segment Maturity Date. For <br> Indexed Accounts with an Annual Fee (Reduction Rate), the Total <br> Reduction Rate will reduce the rate of return after the Buffer is applied. <br> For example, if the Index rate of return for a 3-year Segment is -15%, the <br> Buffer is -10%, and the Total Reduction Rate is 3%, the Segment rate of <br> return will be -8%.<br> •*Trigger.* The Trigger percentage is the maximum percentage decrease in <br> the Index rate of return before the Segment will incur a loss. You are <br> responsible for the full loss if the Index rate of return is negative and the <br> loss exceeds the Trigger. If the Index rate of return is -35% and the <br> Trigger percentage is -30%, the Segment rate of return will be -35% (the <br> full negative Index rate of return) on the Segment Maturity Date. <br> Each Index is a "price return index," not a "total return" Index, and <br> therefore does not reflect dividends paid on the securities composing the <br> Index. Additionally, the iShares U.S. Real Estate ETF deducts underlying <br> fund fees or expenses when calculating performance. This will reduce <br> the Index return and cause the Index to underperform a direct <br> investment in the securities composing the Index. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **Investment** <br> **Options**<br> **Segment Duration** <br> **and Crediting** <br> **Methods –** <br> **Crediting Methods**<br>|

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10 *RiverSource Structured Solutions 2 annuity* — Summary Prospectus

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **What Are the** <br> **Risks Related to** <br> **the Insurance** <br> **Company?** <br>| &nbsp;&nbsp; An investment in the Contract is subject to the risks related to RiverSource <br> Life Insurance Company. Any obligations (including under the Interim <br> Account and the Indexed Accounts), guarantees, or benefits are subject to <br> Our claims-paying ability. Information about RiverSource Life Insurance <br> Company, including our financial strength ratings, is available upon request <br> by contacting 1-800-862-7919. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **Other Information**<br>|
|  | **RESTRICTIONS** |  |
| **Are There** <br> **Restrictions on** <br> **the Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> •Transfers<br> – Transfers to and from the Indexed Accounts may only be requested <br> each Contract Year during the 30 day transfer window that ends on the <br> Contract Anniversary coinciding with the Segment Maturity Date. The <br> transfer will be made on the Contract Anniversary.<br> – Elective transfers to the Interim Account may not be made during the <br> MVA Period. After the MVA Period or after a spousal continuation, <br> transfers to the Interim Account may only be made once each Contract <br> Year during the 30-day transfer window that ends on the Contract <br> Anniversary.<br> •If You elect Automatic Rebalancing, You may not be invested in multi-year <br> Indexed Accounts.<br> •If You elect the 3-year Surrender Charge schedule, You may not invest in <br> 6-year Indexed Accounts during the entire time that You own the <br> Contract.<br> •We may add new Indexed Accounts or discontinue an Indexed Account.<br> •We may substitute an Index during a Segment or on the Segment <br> Maturity Date.<br> •We may stop offering certain Crediting Methods.<br> •We can change the interest rate for the Interim Account, and the Cap, <br> Contingent Return, Upside Participation Rate, Annualized Income Rate, <br> and Total Reduction Rates from one Segment to the next, subject to the <br> applicable guaranteed minimum rates (or guaranteed maximum rates for <br> the Total Reduction Rate).<br> •This is a single premium product, which means that additional purchase <br> payments will not be accepted. | &nbsp;&nbsp; **Purchase –** <br> **Purchasing the** <br> **Contract**<br> **Indexed Accounts**<br> **Segment Duration** <br> **and Crediting** <br> **Methods –** <br> **Crediting Methods**<br> **Transfers**<br>|
| **Are There Any** <br> **Restrictions on** <br> **Contract** <br> **Benefits?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> •Optional death benefit riders may only be elected at Contract purchase.<br> •Optional death benefit riders may only be voluntarily terminated by You if <br> We increase the annual rider fee. Once terminated, the optional death <br> benefit rider may not be reinstated.<br> •Except as provided otherwise under the Contract, Contract benefits may <br> not be modified or terminated by Us.<br> •All partial surrenders will proportionally reduce any guaranteed death <br> benefit based on the percentage of Contract Value that is withdrawn. The <br> reduction to the death benefit may be greater than the amount <br> withdrawn.<br> •If a Segment Value lock is exercised on a multi-year Segment, the <br> Segment Maturity Date will be changed to the next Contract Anniversary <br> if the original Segment Maturity Date was a later Contract Anniversary <br> date.<br> •Automatic Locks are not available for Annual Lock and Income Choice <br> Indexed Accounts. | &nbsp;&nbsp; **Valuing Your** <br> **Investment –** <br> **Segment Value** <br> **Calculation for** <br> **Indexed** <br> **Account(s) –** <br> **Segment Value** <br> **Lock**<br> **Surrenders**<br> **Death Benefits**<br>|

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*RiverSource Structured Solutions 2 annuity* — Summary Prospectus 11

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| | | |
|:---|:---|:---|
|  | **TAXES** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **What Are the** <br> **Contract's Tax** <br> **Implications?**<br>| &nbsp;&nbsp; You should consult with a tax professional to determine the tax <br> implications of an investment in and purchase payments received under <br> the Contract. There is no additional tax benefit if the Contract is purchased <br> through a tax-qualified plan or individual retirement account ("IRA"). <br> Surrenders will be subject to ordinary income tax, and may be subject to <br> tax penalties. | **Taxes** |
|  | **CONFLICTS OF INTEREST** |  |
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Your investment professional may receive compensation for selling this <br> Contract to You, in the form of commissions, additional cash benefits (e.g., <br> bonuses), and non-cash compensation. This financial incentive may <br> influence Your investment professional to recommend this Contract over <br> another investment for which the investment professional is not <br> compensated or compensated less. | **Other Information** |
| **Should I Exchange** <br> **My Contract?**<br>| &nbsp;&nbsp; If You already own an annuity or insurance Contract, some investment <br> professionals may have a financial incentive to offer You a new Contract in <br> place of the one You already own. You should only exchange a Contract You <br> already own if You determine, after comparing the features, fees, and risks <br> of both Contracts, and any fees or penalties to terminate the existing <br> contract, that it is better for You to purchase the new Contract rather than <br> continue to own Your existing Contract. | &nbsp;&nbsp; **Taxes –** <br> **Non-Qualified** <br> **Annuities – 1035** <br> **Exchanges**<br>|

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12 *RiverSource Structured Solutions 2 annuity* — Summary Prospectus

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Appendix A: Investment Options Available Under the Contract

The following is a list of Indexed Accounts currently available under the Contract. We may change the features of the Indexed Accounts listed below (including the Index and the current limits on Index gains and losses), offer new Indexed Accounts, and terminate existing Indexed Accounts. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at riversource.com/structuredannuityrates.

**Note: If amounts are removed from a Segment before the Segment Maturity Date, the amount is determined based on the Segment Value Calculation. Additionally, if amounts are removed from a Segment before the end of the MVA Period, We may apply an MVA. This may result in a significant reduction in your Contract Value that could exceed any protection from Index loss that would be in place if you held the Segment until the maturity date or until the end of the MVA Period. See "Contract Fees, Charges, and Value Adjustments" and "Crediting Methods" for more information.**

**For Contracts with applications signed on or after May 4, 2026** 

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** |
| iShares U.S. Real Estate ETF <br> 1-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| iShares U.S. Real Estate ETF <br> 1-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| iShares U.S. Real Estate ETF <br> 1-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| MSCI EAFE 1-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| MSCI EAFE 1-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 1-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| MSCI EAFE 3-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| MSCI EAFE 3-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 3-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| MSCI EAFE 3-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| MSCI EAFE 3-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| MSCI EAFE 3-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| MSCI EAFE 3-year with -20% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| MSCI EAFE 3-year with -20% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| MSCI EAFE 3-year with -20% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| MSCI EAFE 6-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| MSCI EAFE 6-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 6-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| MSCI EAFE 6-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| MSCI EAFE 6-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| MSCI EAFE 6-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| MSCI EAFE 6-year with -25% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| MSCI EAFE 6-year with -25% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| MSCI EAFE 6-year with -25% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13

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**For Contracts with applications signed on or after May 4, 2026 (continued)**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** |
| MSCI Emerging Markets 1-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| MSCI Emerging Markets 1-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI Emerging Markets 1-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Nasdaq 100 1-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| Nasdaq 100 1-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Nasdaq 100 1-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Nasdaq 100 3-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| Nasdaq 100 3-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Nasdaq 100 3-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Nasdaq 100 3-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| Nasdaq 100 3-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Nasdaq 100 3-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| Nasdaq 100 3-year with -20% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| Nasdaq 100 3-year with -20% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| Nasdaq 100 3-year with -20% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| Nasdaq 100 6-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| Nasdaq 100 6-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Nasdaq 100 6-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Nasdaq 100 6-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| Nasdaq 100 6-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Nasdaq 100 6-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| Nasdaq 100 6-year with -25% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| Nasdaq 100 6-year with -25% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| Nasdaq 100 6-year with -25% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| Russell 2000 1-year with -10% <br> Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| Russell 2000 1-year with -10% <br> Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 1-year with -10% <br> Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Russell 2000 3-year with -10% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| Russell 2000 3-year with -10% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 3-year with -10% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |

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**For Contracts with applications signed on or after May 4, 2026 (continued)**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** |
| Russell 2000 3-year with -15% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| Russell 2000 3-year with -15% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Russell 2000 3-year with -15% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| Russell 2000 3-year with -20% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| Russell 2000 3-year with -20% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| Russell 2000 3-year with -20% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| Russell 2000 6-year with -10% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| Russell 2000 6-year with -10% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 6-year with -10% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Russell 2000 6-year with -15% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| Russell 2000 6-year with -15% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Russell 2000 6-year with -15% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| Russell 2000 6-year with -25% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| Russell 2000 6-year with -25% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| Russell 2000 6-year with -25% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| S&P 500 1-year with -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500 1-year with -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 1-year with -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 1-year with -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500 1-year with -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 1-year with -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 1-year with -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 2% | Minimum Cap | 80% |
| S&P 500 1-year with -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 1-year with -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500 1-year with -25% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 2% | Minimum Cap | 75% |
| S&P 500 1-year with -25% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500 1-year with -25% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| S&P 500 1-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -100% | Buffer | 2% | Minimum Cap | 0% |
| S&P 500 1-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -100% | Buffer | 100% | Minimum Upside <br> Participation<br>| 0% |
| S&P 500 1-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -100% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 0% |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** |
| S&P 500 3-year with -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500 3-year with -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 3-year with -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 3-year with -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| S&P 500 3-year with -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 3-year with -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 3-year with -20% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| S&P 500 3-year with -20% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 3-year with -20% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500 3-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 3% | Minimum Cap | 0% |
| S&P 500 3-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 100% | Minimum Upside <br> Participation<br>| 0% |
| S&P 500 3-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 0% |
| S&P 500 6-year with -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| S&P 500 6-year with -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 6-year with -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 6-year with -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| S&P 500 6-year with -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 6-year with -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 6-year with -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| S&P 500 6-year with -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500 6-year with -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| S&P 500 6-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 4% | Minimum Cap | 0% |
| S&P 500 6-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 100% | Minimum Upside <br> Participation<br>| 0% |
| S&P 500 6-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 0% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |

---

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 2% | Minimum Cap | 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 2% | Minimum Cap | 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -100% Buffer<sup>†</sup>  | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -100% | Buffer | 2% | Minimum Cap | 0% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -100% Buffer<sup>†</sup>  | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -100% | Buffer | 100% | Minimum Upside <br> Participation<br>| 0% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year with -100% Buffer<sup>†</sup>  | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Point-to-Point <br> with a Buffer | -100% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 0% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -100% Buffer<sup>†</sup>  | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 3% | Minimum Cap | 0% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -100% Buffer<sup>†</sup>  | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 100% | Minimum Upside <br> Participation<br>| 0% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year with -100% Buffer<sup>†</sup>  | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 0% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -100% Buffer<sup>†</sup>  | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 4% | Minimum Cap | 0% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -100% Buffer<sup>†</sup>  | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 100% | Minimum Upside <br> Participation<br>| 0% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year with -100% Buffer<sup>†</sup>  | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Point-to-Point <br> with a Buffer | -100% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 0% |
| **Standard with Annual Fee (Reduction Rate) Indexed Accounts** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts** |
| Nasdaq 100 1-year with Annual <br> Fee and -10% Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 95% |
| Nasdaq 100 1-year with Annual <br> Fee and -10% Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 95% |
| Nasdaq 100 1-year with Annual <br> Fee and -10% Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 95% |
| Nasdaq 100 3-year with Annual <br> Fee and -10% Buffer | Nasdaq 100 | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 100% |
| Nasdaq 100 3-year with Annual <br> Fee and -10% Buffer | Nasdaq 100 | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 3-year with Annual <br> Fee and -10% Buffer | Nasdaq 100 | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |
| Nasdaq 100 3-year with Annual <br> Fee and -15% Buffer | Nasdaq 100 | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 100% |
| Nasdaq 100 3-year with Annual <br> Fee and -15% Buffer | Nasdaq 100 | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 3-year with Annual <br> Fee and -15% Buffer | Nasdaq 100 | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |
| Nasdaq 100 3-year with Annual <br> Fee and -20% Buffer | Nasdaq 100 | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 95% |
| Nasdaq 100 3-year with Annual <br> Fee and -20% Buffer | Nasdaq 100 | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 95% |
| Nasdaq 100 3-year with Annual <br> Fee and -20% Buffer | Nasdaq 100 | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 95% |
| Nasdaq 100 6-year with Annual <br> Fee and -10% Buffer | Nasdaq 100 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -10% Buffer | Nasdaq 100 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -10% Buffer | Nasdaq 100 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -15% Buffer | Nasdaq 100 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -15% Buffer | Nasdaq 100 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -15% Buffer | Nasdaq 100 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -25% Buffer | Nasdaq 100 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -25% Buffer | Nasdaq 100 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -25% Buffer | Nasdaq 100 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 1-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 95% |
| Russell 2000 1-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 95% |
| Russell 2000 1-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 95% |
| Russell 2000 3-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 100% |
| Russell 2000 3-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 3-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |

---

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** |
| Russell 2000 3-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 100% |
| Russell 2000 3-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 3-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 3-year with Annual <br> Fee and -20% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 95% |
| Russell 2000 3-year with Annual <br> Fee and -20% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 95% |
| Russell 2000 3-year with Annual <br> Fee and -20% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 95% |
| Russell 2000 6-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 100% |
| Russell 2000 6-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 100% |
| Russell 2000 6-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -25% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 100% |
| Russell 2000 6-year with Annual <br> Fee and -25% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -25% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 1-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 95% |
| S&P 500 1-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 95% |
| S&P 500 1-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 95% |
| S&P 500 1-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500 1-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 1-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 1-year with Annual Fee <br> and -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500 1-year with Annual Fee <br> and -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 1-year with Annual Fee <br> and -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 1-year with Annual Fee <br> and -25% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 2% | Minimum Cap | 80% |
| S&P 500 1-year with Annual Fee <br> and -25% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 1-year with Annual Fee <br> and -25% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500 3-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 100% |
| S&P 500 3-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 3-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Standard with Annual Fee (Reduction Rate) Indexed Accounts-continued** |
| S&P 500 3-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 100% |
| S&P 500 3-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 3-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 3-year with Annual Fee <br> and -20% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 95% |
| S&P 500 3-year with Annual Fee <br> and -20% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 95% |
| S&P 500 3-year with Annual Fee <br> and -20% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 95% |
| S&P 500 6-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 100% |
| S&P 500 6-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 100% |
| S&P 500 6-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 100% |
| S&P 500 6-year with Annual Fee <br> and -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** |
| S&P 500 1-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500 1-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 1-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 1-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500 1-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 1-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 1-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 2% | Minimum Cap | 80% |
| S&P 500 1-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 1-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500 3-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500 3-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 3-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |

---

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** |
| S&P 500 3-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| S&P 500 3-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 3-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 3-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| S&P 500 3-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 3-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500 3-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 6% | Minimum Cap | 75% |
| S&P 500 3-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500 3-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| S&P 500 6-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| S&P 500 6-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 6-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 6-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| S&P 500 6-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 6-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 6-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| S&P 500 6-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500 6-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 2% | Minimum Cap | 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |

---

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 6% | Minimum Cap | 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts** |
| S&P 500 1-year Dual Directional <br> with Annual Fee and -10% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 95% |
| S&P 500 1-year Dual Directional <br> with Annual Fee and -10% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 95% |
| S&P 500 1-year Dual Directional <br> with Annual Fee and -10% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 95% |
| S&P 500 1-year Dual Directional <br> with Annual Fee and -15% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500 1-year Dual Directional <br> with Annual Fee and -15% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 1-year Dual Directional <br> with Annual Fee and -15% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 90% |

---

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Dual Directional with Annual Fee (Reduction Rate) Indexed Accounts-continued** |
| S&P 500 1-year Dual Directional <br> with Annual Fee and -20% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500 1-year Dual Directional <br> with Annual Fee and -20% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 1-year Dual Directional <br> with Annual Fee and -20% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -10% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 100% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -10% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -10% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -15% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 100% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -15% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -15% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -20% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 95% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -20% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 95% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -20% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 95% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -25% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -25% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 3-year Dual Directional <br> with Annual Fee and -25% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 6-year Dual Directional <br> with Annual Fee and -10% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 100% |
| S&P 500 6-year Dual Directional <br> with Annual Fee and -10% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year Dual Directional <br> with Annual Fee and -10% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 6-year Dual Directional <br> with Annual Fee and -15% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 100% |
| S&P 500 6-year Dual Directional <br> with Annual Fee and -15% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year Dual Directional <br> with Annual Fee and -15% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 6-year Dual Directional <br> with Annual Fee and -25% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 100% |
| S&P 500 6-year Dual Directional <br> with Annual Fee and -25% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year Dual Directional <br> with Annual Fee and -25% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** |
| S&P 500 1-year Contingent <br> Return with -10% Buffer<br>| S&P 500  | Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500 1-year Contingent <br> Return with -15% Buffer<br>| S&P 500  | Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 85% |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** |
| S&P 500 1-year Contingent <br> Return with -20% Buffer<br>| S&P 500  | Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500 2-year Contingent <br> Return with -10% Buffer<br>| S&P 500  | Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500 2-year Contingent <br> Return with -15% Buffer<br>| S&P 500  | Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500 2-year Contingent <br> Return with -20% Buffer<br>| S&P 500  | Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500 3-year Contingent <br> Return with -10% Buffer<br>| S&P 500  | Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500 3-year Contingent <br> Return with -15% Buffer<br>| S&P 500  | Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500 3-year Contingent <br> Return with -20% Buffer<br>| S&P 500  | Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500 6-year Contingent <br> Return with -10% Buffer<br>| S&P 500  | Market Index | 6 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 6% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500 6-year Contingent <br> Return with -15% Buffer<br>| S&P 500  | Market Index | 6 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 6% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500 6-year Contingent <br> Return with -25% Buffer<br>| S&P 500  | Market Index | 6 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -25% | Buffer | 6% | Minimum <br> Contingent <br> Return<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Return with <br> -10% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of)<br>| Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Return with <br> -15% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Return with <br> -20% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 2-year Contingent Return with <br> -10% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 2-year Contingent Return with <br> -15% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 2-year Contingent Return with <br> -20% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 80% |

---

------

**For Contracts with applications signed on or after May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Contingent Return with <br> -10% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Contingent Return with <br> -15% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Contingent Return with <br> -20% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Contingent Return with <br> -10% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of)<br>| Market Index | 6 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 6% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Contingent Return with <br> -15% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 6 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 6% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Contingent Return with <br> -25% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 6 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -25% | Buffer | 6% | Minimum <br> Contingent <br> Return<br>| 75% |
| **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** |
| S&P 500 1-year Income Choice <br> with -10% Buffer<sup>§</sup> <br>| S&P 500  | Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 90% |
| S&P 500 1-year Income Choice <br> with -20% Buffer<sup>§</sup> <br>| S&P 500  | Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Income Choice with <br> -10% Buffer<sup>§</sup> <br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Income Choice with <br> -20% Buffer<sup>§</sup> <br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 80% |

---

\*

Each of the Indexes is a "price return index," not a "total return" Index, and therefore does not reflect dividends paid on the securities composing Index. Additionally, the iShares U.S. Real Estate ETF deducts underlying fund fees or expenses when calculating performance. This will reduce the Index return and cause the Index to underperform a direct investment in the securities composing the Index.

†

Not available for Contracts issued in Oregon

§

Not available for Contracts issued in Missouri

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25

------

**For Contracts with applications signed prior to May 4, 2026** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** |
| iShares U.S. Real Estate ETF <br> 1-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| iShares U.S. Real Estate ETF <br> 1-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| iShares U.S. Real Estate ETF <br> 1-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| MSCI EAFE 1-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| MSCI EAFE 1-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 1-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| MSCI EAFE 3-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| MSCI EAFE 3-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 3-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| MSCI EAFE 3-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| MSCI EAFE 3-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| MSCI EAFE 3-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| MSCI EAFE 3-year with -20% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| MSCI EAFE 3-year with -20% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| MSCI EAFE 3-year with -20% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| MSCI EAFE 6-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| MSCI EAFE 6-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 6-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| MSCI EAFE 6-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| MSCI EAFE 6-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| MSCI EAFE 6-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| MSCI EAFE 6-year with -25% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| MSCI EAFE 6-year with -25% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| MSCI EAFE 6-year with -25% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| MSCI Emerging Markets 1-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| MSCI Emerging Markets 1-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI Emerging Markets 1-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Nasdaq 100 1-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| Nasdaq 100 1-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Nasdaq 100 1-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |

---

------

**For Contracts with applications signed prior to May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** |
| Nasdaq 100 3-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| Nasdaq 100 3-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Nasdaq 100 3-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Nasdaq 100 3-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| Nasdaq 100 3-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Nasdaq 100 3-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| Nasdaq 100 3-year with -20% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap <br> Rate<br>| 80% |
| Nasdaq 100 3-year with -20% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| Nasdaq 100 3-year with -20% <br> Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| Nasdaq 100 6-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| Nasdaq 100 6-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Nasdaq 100 6-year with -10% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Nasdaq 100 6-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| Nasdaq 100 6-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Nasdaq 100 6-year with -15% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| Nasdaq 100 6-year with -25% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| Nasdaq 100 6-year with -25% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| Nasdaq 100 6-year with -25% <br> Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| Russell 2000 1-year with -10% <br> Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| Russell 2000 1-year with -10% <br> Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 1-year with -10% <br> Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Russell 2000 3-year with -10% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| Russell 2000 3-year with -10% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 3-year with -10% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Russell 2000 3-year with -15% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| Russell 2000 3-year with -15% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Russell 2000 3-year with -15% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| Russell 2000 3-year with -20% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| Russell 2000 3-year with -20% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| Russell 2000 3-year with -20% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;27

------

**For Contracts with applications signed prior to May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** |
| Russell 2000 6-year with -10% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| Russell 2000 6-year with -10% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 6-year with -10% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| Russell 2000 6-year with -15% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| Russell 2000 6-year with -15% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Russell 2000 6-year with -15% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| Russell 2000 6-year with -25% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| Russell 2000 6-year with -25% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| Russell 2000 6-year with -25% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| S&P 500 1-year with -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500 1-year with -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 1-year with -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 1-year with -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500 1-year with -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 1-year with -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 1-year with -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 2% | Minimum Cap | 80% |
| S&P 500 1-year with -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 1-year with -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500 1-year with -25% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 2% | Minimum Cap | 75% |
| S&P 500 1-year with -25% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500 1-year with -25% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| S&P 500 1-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -100% | Buffer | 2% | Minimum Cap | 0% |
| S&P 500 1-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -100% | Buffer | 100% | Minimum Upside <br> Participation<br>| 0% |
| S&P 500 1-year with -100% <br> Buffer<sup>†</sup>  | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -100% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 0% |
| S&P 500 3-year with -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500 3-year with -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 3-year with -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 3-year with -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| S&P 500 3-year with -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 3-year with -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |

---

------

**For Contracts with applications signed prior to May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** | **Standard Indexed Accounts-continued** |
| S&P 500 3-year with -20% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| S&P 500 3-year with -20% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 3-year with -20% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -20% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 80% |
| S&P 500 6-year with -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| S&P 500 6-year with -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 6-year with -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 90% |
| S&P 500 6-year with -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| S&P 500 6-year with -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 6-year with -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 85% |
| S&P 500 6-year with -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| S&P 500 6-year with -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500 6-year with -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 0% | Maximum Total <br> Reduction Rate<br>| 75% |
| **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** | **Dual Directional Indexed Accounts** |
| S&P 500 1-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500 1-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 1-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500 1-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 1-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 2% | Minimum Cap | 80% |
| S&P 500 1-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 3-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500 3-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 3-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| S&P 500 3-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 3-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| S&P 500 3-year Dual Directional <br> with -20% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 3-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 6% | Minimum Cap | 75% |
| S&P 500 3-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500 6-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| S&P 500 6-year Dual Directional <br> with -10% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 6-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| S&P 500 6-year Dual Directional <br> with -15% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 6-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| S&P 500 6-year Dual Directional <br> with -25% Buffer | S&P 500  | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;29

------

**For Contracts with applications signed prior to May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** | **Dual Directional Indexed Accounts-continued** |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 2% | Minimum Cap | 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 1 year | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap | 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 6% | Minimum Cap | 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -20% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 6% | Minimum Cap | 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 3 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -10% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -15% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 6-year Dual Directional with <br> -25% Buffer | S&P 500/ <br> Russell 2000 <br> (Lesser of) | Market Index | 6 years | Dual Directional <br> Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** |
| S&P 500 3-year Annual Lock with <br> -10% Buffer<br>| S&P 500  | Market Index | 3 years | Annual Lock with <br> a Buffer<br>| -10% | Buffer | 2% | Minimum Cap | 99.9% |
| S&P 500 6-year Annual Lock with <br> -10% Buffer<br>| S&P 500  | Market Index | 6 years | Annual Lock with <br> a Buffer<br>| -10% | Buffer | 2% | Minimum Cap | 100% |
| **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** | **Contingent Return Indexed Accounts** |
| S&P 500 1-year Contingent <br> Return with -10% Buffer<br>| S&P 500  | Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500 1-year Contingent <br> Return with -15% Buffer<br>| S&P 500  | Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500 1-year Contingent <br> Return with -20% Buffer<br>| S&P 500  | Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500 2-year Contingent <br> Return with -10% Buffer<br>| S&P 500  | Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500 2-year Contingent <br> Return with -15% Buffer<br>| S&P 500  | Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 85% |

---

------

**For Contracts with applications signed prior to May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** | **Contingent Return Indexed Accounts-continued** |
| S&P 500 2-year Contingent <br> Return with -20% Buffer<br>| S&P 500  | Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500 3-year Contingent <br> Return with -10% Buffer<br>| S&P 500  | Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500 3-year Contingent <br> Return with -15% Buffer<br>| S&P 500  | Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500 3-year Contingent <br> Return with -20% Buffer<br>| S&P 500  | Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Return with <br> -10% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of)<br>| Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Return with <br> -15% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Return with <br> -20% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 1% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 2-year Contingent Return with <br> -10% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 2-year Contingent Return with <br> -15% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 2-year Contingent Return with <br> -20% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 2 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 2% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Contingent Return with <br> -10% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Contingent Return with <br> -15% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 3-year Contingent Return with <br> -20% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 3 years | Contingent <br> Return <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 3% | Minimum <br> Contingent <br> Return<br>| 80% |
| S&P 500 1-year Contingent <br> Return with -30% Trigger<sup>§</sup> <br>| S&P 500 | Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Trigger<br>| -30% | Trigger | 1% | Minimum <br> Contingent <br> Return<br>| 100% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Return with <br> -30% Trigger<sup>§</sup> <br>| S&P 500/<br> Russell 2000 <br> (Lesser of)<br>| Market Index | 1 year | Contingent <br> Return <br> Point-to-Point <br> with a Trigger<br>| -30% | Trigger | 1% | Minimum <br> Contingent <br> Return<br>| 100% |
| **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** | **Income Choice Indexed Accounts** |
| S&P 500 1-year Income Choice <br> with -10% Buffer<sup>§</sup> <br>| S&P 500  | Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 90% |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;31

------

**For Contracts with applications signed prior to May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Income Choice Indexed Accounts-continued** | **Income Choice Indexed Accounts-continued** | **Income Choice Indexed Accounts-continued** | **Income Choice Indexed Accounts-continued** | **Income Choice Indexed Accounts-continued** | **Income Choice Indexed Accounts-continued** | **Income Choice Indexed Accounts-continued** | **Income Choice Indexed Accounts-continued** | **Income Choice Indexed Accounts-continued** | **Income Choice Indexed Accounts-continued** |
| S&P 500 1-year Income Choice <br> with -15% Buffer<sup>§</sup> <br>| S&P 500  | Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 85% |
| S&P 500 1-year Income Choice <br> with -20% Buffer<sup>§</sup> <br>| S&P 500  | Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 80% |
| S&P 500 1-year Income Choice <br> with -25% Buffer<sup>§</sup> <br>| S&P 500  | Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -25% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 75% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Income Choice with <br> -10% Buffer<sup>§</sup> <br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -10% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Income Choice with <br> -15% Buffer<sup>§</sup> <br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -15% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Income Choice with <br> -20% Buffer<sup>§</sup> <br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -20% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Income Choice with <br> -25% Buffer<sup>§</sup> <br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Income Choice <br> Point-to-Point <br> with a Buffer<br>| -25% | Buffer | 1% | Minimum <br> Annualized <br> Income Rate<br>| 75% |
| **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** |
| Nasdaq 100 6-year with Annual <br> Fee and -10% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap | 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -10% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -10% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -15% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap  | 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -15% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -15% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -25% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -25% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee and -25% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap  | 100% |
| Russell 2000 6-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap  | 100% |
| Russell 2000 6-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -25% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap  | 100% |
| Russell 2000 6-year with Annual <br> Fee and -25% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee and -25% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |

---

------

**For Contracts with applications signed prior to May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Indexed Accounts-continued** |
| S&P 500 6-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap  | 100% |
| S&P 500 6-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap  | 100% |
| S&P 500 6-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap  | 100% |
| S&P 500 6-year with Annual Fee <br> and -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year with Annual Fee <br> and -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| **Annual Fee (Reduction Rate) Plus Indexed Accounts** | **Annual Fee (Reduction Rate) Plus Indexed Accounts** | **Annual Fee (Reduction Rate) Plus Indexed Accounts** | **Annual Fee (Reduction Rate) Plus Indexed Accounts** | **Annual Fee (Reduction Rate) Plus Indexed Accounts** | **Annual Fee (Reduction Rate) Plus Indexed Accounts** | **Annual Fee (Reduction Rate) Plus Indexed Accounts** | **Annual Fee (Reduction Rate) Plus Indexed Accounts** | **Annual Fee (Reduction Rate) Plus Indexed Accounts** | **Annual Fee (Reduction Rate) Plus Indexed Accounts** |
| Nasdaq 100 3-year with Annual <br> Fee Plus and -15% Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap  | 100% |
| Nasdaq 100 3-year with Annual <br> Fee Plus and -15% Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 3-year with Annual <br> Fee Plus and -15% Buffer | Nasdaq 100  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee Plus and -10% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap  | 100% |
| Nasdaq 100 6-year with Annual <br> Fee Plus and -10% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee Plus and -10% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee Plus and -15% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap  | 100% |
| Nasdaq 100 6-year with Annual <br> Fee Plus and -15% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee Plus and -15% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee Plus and -25% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap  | 100% |
| Nasdaq 100 6-year with Annual <br> Fee Plus and -25% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Nasdaq 100 6-year with Annual <br> Fee Plus and -25% Buffer | Nasdaq 100  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 3-year with Annual <br> Fee Plus and -15% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap  | 100% |
| Russell 2000 3-year with Annual <br> Fee Plus and -15% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 3-year with Annual <br> Fee Plus and -15% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee Plus and -10% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap  | 100% |
| Russell 2000 6-year with Annual <br> Fee Plus and -10% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee Plus and -10% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee Plus and -15% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap  | 100% |
| Russell 2000 6-year with Annual <br> Fee Plus and -15% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee Plus and -15% Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;33

------

**For Contracts with applications signed prior to May 4, 2026 (continued)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **held until**<br> **Segment**<br> **maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **life of the Indexed**<br> **Account)** | **Maximum** <br> **Loss on**<br> **Segment** <br> **Maturity**<br> **Date**<br>|
| **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** | **Annual Fee (Reduction Rate) Plus Indexed Accounts-continued** |
| Russell 2000 6-year with Annual <br> Fee Plus and -25% Buffer | Russell 2000 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap  | 100% |
| Russell 2000 6-year with Annual <br> Fee Plus and -25% Buffer | Russell 2000 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| Russell 2000 6-year with Annual <br> Fee Plus and -25% Buffer | Russell 2000 | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 1-year with Annual Fee <br> Plus and -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 2% | Minimum Cap  | 95% |
| S&P 500 1-year with Annual Fee <br> Plus and -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 95% |
| S&P 500 1-year with Annual Fee <br> Plus and -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer | -10% | Buffer | 5% | Maximum Total <br> Reduction Rate<br>| 95% |
| S&P 500 3-year with Annual Fee <br> Plus and -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 6% | Minimum Cap  | 100% |
| S&P 500 3-year with Annual Fee <br> Plus and -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 3-year with Annual Fee <br> Plus and -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 15% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 6-year with Annual Fee <br> Plus and -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 8% | Minimum Cap  | 100% |
| S&P 500 6-year with Annual Fee <br> Plus and -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year with Annual Fee <br> Plus and -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -10% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 6-year with Annual Fee <br> Plus and -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 8% | Minimum Cap | 100% |
| S&P 500 6-year with Annual Fee <br> Plus and -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year with Annual Fee <br> Plus and -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -15% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 6-year with Annual Fee <br> Plus and -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 8% | Minimum Cap | 100% |
| S&P 500 6-year with Annual Fee <br> Plus and -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 100% |
| S&P 500 6-year with Annual Fee <br> Plus and -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer | -25% | Buffer | 30% | Maximum Total <br> Reduction Rate<br>| 100% |

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\*

Each of the Indexes is a "price return index," not a "total return" Index, and therefore does not reflect dividends paid on the securities composing Index. Additionally, the iShares U.S. Real Estate ETF deducts underlying fund fees or expenses when calculating performance. This will reduce the Index return and cause the Index to underperform a direct investment in the securities composing the Index.

†

Not available for Contracts issued in Oregon

§

Not available for Contracts issued in Missouri

We will not offer Indexed Accounts with Caps, Contingent Returns, or Annualized Income Rates below 0.25%; Upside Participation Rates below 100%; or Total Reduction Rates above 30%.

**We guarantee that the S&P 500 1-year with -10% Buffer Indexed Account will always be available with a Guaranteed Minimum Cap of 2%. In such case, if You invest in this Indexed Account with a -10% Buffer and hold the Segment until the maturity date, You could lose up to 90% of Your investment, including any prior earnings, due to negative Index performance. There is no guarantee the Contract will offer any indexed accounts that limit Index loss other than the S&P 500 1 year with -10% Buffer Indexed Account. Without downside protection there is risk of loss of the entire amount invested.** See "Investment Options – Discontinuation and Substitution of Indexes and Indexed Accounts" for more information.

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The following is a list of Fixed Option(s) currently available under the Contract. We may change the features of the Fixed Options listed below or terminate existing Fixed Options. We will provide you with written notice before doing so. See "Investment Options – Interim Account" for more information.

**Note: If amounts are withdrawn from a Fixed Option before the end of its term, we will not apply a contract adjustment.** 

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| | | |
|:---|:---|:---|
| **Name** | **Contract Issue Year:** | **Minimum**<br> **Guaranteed**<br> **Interest Rate**<br>|
| Interim Account | 2026 | 2.40% |
| Interim Account | 2025 | 2.65% |
| Interim Account | 2024 | 3.00% |

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The prospectus and Statement of Additional Information (SAI) include additional information about the Contract. The prospectus and SAI, dated the same date as this summary prospectus, are incorporated by reference. The prospectus and SAI are available, without charge, upon request. For a free copy of the prospectus, SAI, or for more information about the Contract, call us at 1-800-862-7919, visit our website at riversource.com/annuities or write to us at: 70100 Ameriprise Financial Center Minneapolis, MN 55474.

![(RiverSource Annuity Logo)](g56287img4826d3b01.jpg)

RiverSource Life Insurance Company <br>70100 Ameriprise Financial Center <br>Minneapolis, MN 55474 <br>1-800-862-7919

USP9119_12_E01_(05/26)

Reports and other information about RiverSource Life Insurance Company are available on the SEC's website at http://www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

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EDGAR Contract Identifier: C000258502©2008-2026 RiverSource Life Insurance Company. All rights reserved.

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