# EDGAR Filing Document

**Accession Number:** 0000729522
**File Stem:** 0001193125-26-192582
**Filing Date:** 2026-4
**Character Count:** 65729
**Document Hash:** 813330740827738915a8c8461718f702
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-192582.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001193125-26-192582

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VARIABLE SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000729522

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-223017
- **FILM NUMBER:** 26918593

**BUSINESS ADDRESS:**
- **STREET 1:** 2727-A ALLEN PARKWAY
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77019
- **BUSINESS PHONE:** 3107726000

**MAIL ADDRESS:**
- **STREET 1:** 2727-A ALLEN PARKWAY
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77019

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** VARIABLE SEPARATE ACCOUNT OF ANCHOR NATIONAL LIFE INSUR CO
- **DATE OF NAME CHANGE:** 19930408

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AMERICAN PATHWAY II SEPARATE ACCOUNT OF ANCHOR NATIONAL LIFE
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### VARIABLE SEPARATE ACCOUNT (Series ID: S000010595)

| Class ID   | Class Name                                 | Ticker Symbol   |
|:---|:---|:---|
| C000200229 | Polaris Advisory VA (Version 1) 333-223017 |  |

![](g127525polaris_advinva.jpg)

issued by

**AMERICAN GENERAL LIFE INSURANCE COMPANY**

in all states except in New York

In connection with

**VARIABLE SEPARATE ACCOUNT**

**UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS** <br>**May 1, 2026**

This updating summary prospectus provides updated information about Polaris Advisory, a flexible premium deferred variable annuity.

The prospectus for the contract contains more information about the contract, such as the contract's features, benefits, and risks. You can find the current prospectus and other information about the contract online at www.corebridgefinancial.com/ProductProspectuses. You can also obtain this information at no cost by calling (855) 421-2692 or by writing to our Annuity Service Center (P.O. Box 15570, Amarillo, Texas 79105-5570).

**\* \* \* \* \* \* \* \* \* \* \* \***

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

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**Special Terms Used in this Summary Prospectus**

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**Accumulation Phase** - The period during which you invest money in your contract.

**Advisory Fee** - In general, advisory fees are fees payable to an investment advisor you may have contracted with separately. As used in this prospectus, an Advisory Fee is any such fee withdrawn from your contract value and paid directly to your investment advisor pursuant to an authorization form submitted to the Company, subject to annualized contract value limits no greater than 1.5%; and which must relate exclusively to advice you receive with respect to your contract.

**DCA Fixed Account** - A fixed interest investment option under which amounts earn interest before they are systematically transferred from a DCA Fixed Account to one or more investment options over a specified period of time.

**Fixed Account** - An account, if available, in which you may invest money and earn a fixed rate of return. Fixed Accounts are obligations of the General Account.

**Living Benefit** - An optional benefit designed to help create a guaranteed income stream for life and provide some protection against certain financial risks. (Living Benefits may only be elected at the time you purchase the contract).

**Purchase Payment** - The money you give us to buy and invest in the contract.

**Secure Value Account** - A Fixed Account, available only with election of the Living Benefit, to which we allocate a percentage of every Purchase Payment.

**Underlying Fund** - The underlying investment portfolios of the Trusts in which a Variable Portfolio invests.

**Variable Portfolio(s)** - A variable investment option available under the contract. Each Variable Portfolio, which is a subaccount of the Separate Account, invests in shares of one of the Underlying Funds. Each Underlying Fund has its own investment objective.

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**Updated Information About Your Contract**

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The following is a summary of certain contract features that have changed since the Updating Summary Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since you purchased your contract. Please see the prospectus available on www.corebridgefinancial.com/ProductProspectuses for more information.

**Underlying Fund Changes effective on July 28, 2025**

&nbsp;&nbsp;&nbsp;&nbsp;• The SA Wellington Government and Quality Bond Portfolio was renamed SA Goldman Sachs Government and Quality Bond Portfolio, and Goldman Sachs Asset Management L.P. became its subadvisor.

&nbsp;&nbsp;&nbsp;&nbsp;• The SA JPMorgan Global Equities Portfolio was renamed SA Fidelity Institutional AM Global Equities Portfolio and FIAM LLC became its subadvisor.

**Underlying Fund Changes effective on May 1, 2026**

&nbsp;&nbsp;&nbsp;&nbsp;• The SA Morgan Stanley International Equities Portfolio was renamed SA BlackRock Advantage International Portfolio and BlackRock Investment Management, LLC became its subadvisor.

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

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

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location in** <br>**Prospectus**<br>|
| **Are There** <br> **Charges or** <br> **Adjustments for** <br> **Early** <br> **Withdrawals?**<br>| Not Applicable | Not Applicable | Not Applicable | **N/A** |
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes**, you will be charged for each transfer after 15 transfers in any contract year during the <br> Accumulation Phase. There may also be taxes on Purchase Payments. | &nbsp;&nbsp; **Yes**, you will be charged for each transfer after 15 transfers in any contract year during the <br> Accumulation Phase. There may also be taxes on Purchase Payments. | &nbsp;&nbsp; **Yes**, you will be charged for each transfer after 15 transfers in any contract year during the <br> Accumulation Phase. There may also be taxes on Purchase Payments. | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; **Yes.**<br> The table below describes the current fees and expenses of the contract that you may pay <br> *each year*, depending on the options you choose. Please refer to your contract data page for <br> information about the specific fees you will pay each year based on the investment options <br> and optional benefits you have elected. These fees and expenses do not reflect Advisory Fees <br> you pay to your investment adviser including Advisory Fees withdrawn from your contract. <br> If such charges were reflected, the fees and expenses would be higher. | &nbsp;&nbsp; **Yes.**<br> The table below describes the current fees and expenses of the contract that you may pay <br> *each year*, depending on the options you choose. Please refer to your contract data page for <br> information about the specific fees you will pay each year based on the investment options <br> and optional benefits you have elected. These fees and expenses do not reflect Advisory Fees <br> you pay to your investment adviser including Advisory Fees withdrawn from your contract. <br> If such charges were reflected, the fees and expenses would be higher. | &nbsp;&nbsp; **Yes.**<br> The table below describes the current fees and expenses of the contract that you may pay <br> *each year*, depending on the options you choose. Please refer to your contract data page for <br> information about the specific fees you will pay each year based on the investment options <br> and optional benefits you have elected. These fees and expenses do not reflect Advisory Fees <br> you pay to your investment adviser including Advisory Fees withdrawn from your contract. <br> If such charges were reflected, the fees and expenses would be higher. | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | Base Contract<sup>1</sup> <br>| 0.40%  | 0.40%  | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; Investment Options<sup>2</sup> <br>(Underlying Fund fees and expenses)<br>| 0.21%  | 1.60%  | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; Optional Benefits Available for an <br> Additional Charge<br> (For a single optional benefit, if elected)<br>| 0.15% <sup>1</sup> <br>| 1.45% <sup>3</sup> <br>| **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; <sup>1</sup> As a percentage of the average daily ending net asset value allocated to the Variable <br> Portfolios.<br> <sup>2</sup> As a percentage of Underlying Fund net assets.<br> <sup>3</sup> As a percentage of the Income Base used to calculate the guaranteed benefit. This <br> represents the maximum initial rate for the most expensive optional benefit currently <br> available.<br> Because your contract is customizable, the choices you make affect how much you will pay. <br> To help you understand the cost of owning your contract, the following table shows the <br> lowest and highest cost you could pay each year, based on current charges. This estimate <br> assumes that you do not take withdrawals from the contract. | &nbsp;&nbsp; <sup>1</sup> As a percentage of the average daily ending net asset value allocated to the Variable <br> Portfolios.<br> <sup>2</sup> As a percentage of Underlying Fund net assets.<br> <sup>3</sup> As a percentage of the Income Base used to calculate the guaranteed benefit. This <br> represents the maximum initial rate for the most expensive optional benefit currently <br> available.<br> Because your contract is customizable, the choices you make affect how much you will pay. <br> To help you understand the cost of owning your contract, the following table shows the <br> lowest and highest cost you could pay each year, based on current charges. This estimate <br> assumes that you do not take withdrawals from the contract. | &nbsp;&nbsp; <sup>1</sup> As a percentage of the average daily ending net asset value allocated to the Variable <br> Portfolios.<br> <sup>2</sup> As a percentage of Underlying Fund net assets.<br> <sup>3</sup> As a percentage of the Income Base used to calculate the guaranteed benefit. This <br> represents the maximum initial rate for the most expensive optional benefit currently <br> available.<br> Because your contract is customizable, the choices you make affect how much you will pay. <br> To help you understand the cost of owning your contract, the following table shows the <br> lowest and highest cost you could pay each year, based on current charges. This estimate <br> assumes that you do not take withdrawals from the contract. | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Lowest Annual Cost: $576** | **Highest Annual Cost: $3,695** | **Highest Annual Cost: $3,695** | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive Underlying Fund fees <br> and expenses<br> •No optional benefits<br> •No additional Purchase Payments, <br> transfers, or withdrawals<br> •No sales charges or advisory fees<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of optional <br> benefits and Underlying Fund fees and <br> expenses<br> •No additional Purchase Payments, <br> transfers, or withdrawals<br> •No sales charges or advisory fees | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of optional <br> benefits and Underlying Fund fees and <br> expenses<br> •No additional Purchase Payments, <br> transfers, or withdrawals<br> •No sales charges or advisory fees | **Expenses** |

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|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| &nbsp;&nbsp; **Yes.** You can lose money by investing in this contract, including possible loss of your <br> principal investment. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **Is this a** <br> **Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp;&nbsp; **No.**<br> •This contract is not designed for short-term investing and may not be appropriate for an <br> investor who needs ready access to cash. As such, you should not use the contract as a <br> short-term investment or savings vehicle.<br> •Withdrawals may reduce or terminate contract guarantees and may also be subject to <br> state and federal income taxes and tax-penalties.<br> •The benefits of tax deferral, long-term income, and optional Living Benefit guarantees <br> mean that this contract is generally more beneficial to investors with a long investment <br> time horizon. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **What are the** <br> **Risks Associated** <br> **with the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; •An investment in this contract is subject to the risk of poor investment performance and <br> can vary depending on the performance of the investment options available under the <br> contract.<br> •Each investment option (including each Fixed Account option) has its own unique risks.<br> •You should review the available investment options before making an investment decision. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **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 us, American General Life <br> Insurance Company. Any obligations (including under a Fixed Account option), guarantees, <br> and benefits of the contract are subject to our claims-paying ability. An Owner should look <br> solely to our financial strength for our claims-paying ability. More information about the <br> Company, including our financial strength ratings, may be obtained at <br> https://investors.corebridgefinancial.com/financials/Ratings/default.aspx . | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |

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|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Are There Limits** <br> **on the Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> **Transfer Restrictions.**<br> •During the Accumulation Phase, you must transfer at least $100 per transfer between any <br> of the Variable Portfolios and/or any available Fixed Accounts. If less than $100 remains <br> in any Variable Portfolio or Fixed Account after a transfer, that amount must be <br> transferred as well. Funds already in your contract cannot be transferred to the DCA <br> Fixed Accounts, if available. A transfer request will be priced as of the day it is received <br> before Market Close. If the transfer request is received after Market Close, the request <br> will be priced as of the next NYSE business day.<br> •During the Income Phase, only one transfer per month is permitted between the Variable <br> Portfolios. No other transfers are allowed during the Income Phase. Transfers will be <br> effected for the last NYSE business day of the month in which we receive your request for <br> the transfer. You may not use the DCA Program or the Automatic Asset Rebalancing <br> Program during the Income Phase.<br> •Your transfers between the Variable Portfolios are subject to policies designed to deter <br> frequent and short-term trading.<br> **Investment Restrictions.** If you elect an optional Living Benefit, not all investment <br> options may be available and you must invest in accordance with the applicable investment <br> requirements. You may be required to invest a certain percentage of your contract value in <br> a certain investment option, including the Secure Value Account which is only available <br> with certain option Living Benefits. We reserve the right to modify the investment <br> requirements in the future. If you do not elect any optional benefit, or if the only optional <br> benefit you elect is a death benefit, your contract is not subject to investment <br> requirements.<br> **Availability of Variable Portfolios.** We may, subject to any applicable law, make certain <br> changes to the Variable Portfolios offered in your contract. We may offer new Variable <br> Portfolios or stop offering existing Variable Portfolios. New Variable Portfolios may be <br> made available to existing contract Owners, and Variable Portfolios may be closed to new <br> or subsequent Purchase Payments, transfers or allocations. In addition, we may also <br> liquidate the shares of any Variable Portfolio, substitute the shares of one Underlying <br> Fund held by a Variable Portfolio for another and/or merge Variable Portfolios or <br> cooperate in a merger of Underlying Funds. To the extent required by the Investment <br> Company Act of 1940, as amended, we may be required to obtain SEC approval or your <br> approval. <br> The availability of investment options may vary depending on the broker-dealer through <br> which the contract is sold. **See APPENDIX J - BROKER-DEALER VARIATIONS** in <br> the prospectus. | &nbsp;&nbsp; **Investment** <br> **Options**<br>|
| **Are There Any** <br> **Restrictions on** <br> **Contract Benefits?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> •There are restrictions and limitations relating to the benefits offered under the contract <br> (e.g., death benefits, Living Benefits, DCA Fixed Account, DCA Program, Automatic <br> Asset Rebalancing Program, Systematic Withdrawal Program, Automatic Payment Plan).<br> •We reserve the right to modify or terminate the DCA Program, Automatic Asset <br> Rebalancing Program, Systematic Withdrawal Program, and Automatic Payment Plan.<br> •Withdrawals that exceed limits specified by the terms of a benefit may reduce the value of <br> the benefit by an amount greater than the value withdrawn and could terminate the <br> benefit.<br> •The availability of contract benefits may vary depending on the broker-dealer through <br> which the contract is sold. **See APPENDIX J - BROKER-DEALER VARIATIONS** in <br> the prospectus. | &nbsp;&nbsp; **Optional Living** <br> **Benefits** <br> **Death Benefits**<br>|
|  | **TAXES** |  |
| **What are the** <br> **Contract's Tax** <br> **Implications?**<br>| &nbsp;&nbsp;&nbsp; •You should consult with a tax professional to determine the tax implications of an <br> investment in and payments received under the contract, including withdrawals to pay an <br> Advisory Fee to your investment advisor.<br> •If you purchase the contract through a tax-qualified plan or individual retirement account <br> (IRA), there is no additional tax benefit under the contract.<br> •Earnings under your contract are taxed at ordinary income tax rates when withdrawn. <br> You may have to pay a tax penalty if you take a withdrawal before age 59½. | **Taxes** |

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|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Your investment advisor does not receive commissions from us for selling this contract to <br> you. However, the agency under which your investment advisor is appointed may receive a <br> wholesaling fee or marketing allowance for services related to the Company's annuity <br> contracts. These arrangements may provide selling firms and/or their registered <br> representatives with an incentive to favor sales of our contracts over other variable annuity <br> contracts (or other investments). If you elect to withdraw Advisory Fees (as permitted by <br> your investment advisor), your investment advisor will receive an Advisory Fee through <br> withdrawals taken from your contract and paid directly to your investment advisor. | &nbsp;&nbsp; **Payments in** <br> **Connection with** <br> **Distribution of the** <br> **Contract** |
| **Should I** <br> **Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment advisors may have a financial incentive to offer you a new contract in place <br> of the one you already own because an exchange may result in the investment advisor <br> receiving ongoing advisory fees for investment advice related to the new contract after the <br> exchange. You should exchange a contract you already own only if you determine, after <br> comparing the features, fees, and risks of both contracts, that it is better for you to <br> purchase the new contract rather than continue to own your existing contract. | &nbsp;&nbsp; **Payments in** <br> **Connection with** <br> **Distribution of the** <br> **Contract** |

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**Appendix A – Investment Options Available Under The Contract**

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**<u>Underlying Funds</u>**

The following is a list of Underlying Funds available under the contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and can be found online at www.corebridgefinancial.com/ProductProspectuses. You can also request this information at no cost by calling (855) 421-2692. Depending on the optional benefits you choose, you may not be able to invest in certain Underlying Funds. See "Investment Requirements For Optional Living Benefits" in this Appendix.

The current expenses and performance information below reflect fees and expenses of the Underlying Funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Underlying Fund's past performance is not necessarily an indication of future performance.

The availability of Underlying Funds may vary depending on the broker-dealer firm through which the contract was sold. **See APPENDIX J - BROKER-DEALER VARIATIONS in the prospectus for additional information.** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Asset** <br> **Allocation**<br>| &nbsp;&nbsp; Franklin Allocation VIP Fund – Class 1<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.57%\* | &nbsp;&nbsp; 12.98% | &nbsp;&nbsp; 5.97% | &nbsp;&nbsp; 7.58% |
|  | &nbsp;&nbsp; Franklin Income VIP Fund – Class 1<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.47% | &nbsp;&nbsp; 12.87% | &nbsp;&nbsp; 7.92% | &nbsp;&nbsp; 7.57% |
|  | &nbsp;&nbsp; SA Allocation Aggressive Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br>| &nbsp;&nbsp; 0.78%\* | &nbsp;&nbsp; 16.12% | &nbsp;&nbsp; 8.31% | &nbsp;&nbsp; 9.59% |
|  | &nbsp;&nbsp; SA Allocation Balanced Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br>| &nbsp;&nbsp; 0.75%\* | &nbsp;&nbsp; 11.36% | &nbsp;&nbsp; 4.18% | &nbsp;&nbsp; 6.03% |
|  | &nbsp;&nbsp; SA Allocation Moderate Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br>| &nbsp;&nbsp; 0.76%\* | &nbsp;&nbsp; 12.86% | &nbsp;&nbsp; 5.75% | &nbsp;&nbsp; 7.45% |
|  | &nbsp;&nbsp; SA Allocation Moderately Aggressive Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br>| &nbsp;&nbsp; 0.76%\* | &nbsp;&nbsp; 14.35% | &nbsp;&nbsp; 6.79% | &nbsp;&nbsp; 8.32% |
|  | &nbsp;&nbsp; SA American Funds Asset Allocation Portfolio<sup>1</sup> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.55%\* | &nbsp;&nbsp; 15.83% | &nbsp;&nbsp; 8.96% | &nbsp;&nbsp; 9.70% |
|  | &nbsp;&nbsp; SA BlackRock Multi-Factor 70/30 Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.51%\* | &nbsp;&nbsp; 14.23% | &nbsp;&nbsp; 6.81% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Franklin Allocation Moderately Aggressive Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.89%\* | &nbsp;&nbsp; 17.83% | &nbsp;&nbsp; 10.76% | &nbsp;&nbsp; 10.39% |
|  | &nbsp;&nbsp; SA Franklin Tactical Opportunities Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.82%\* | &nbsp;&nbsp; 15.41% | &nbsp;&nbsp; 8.45% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Global Index Allocation 75/25 Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br>| &nbsp;&nbsp; 0.56%\* | &nbsp;&nbsp; 17.99% | &nbsp;&nbsp; 7.60% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Global Index Allocation 90/10 Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br>| &nbsp;&nbsp; 0.52% | &nbsp;&nbsp; 20.34% | &nbsp;&nbsp; 9.09% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Goldman Sachs Multi-Asset Insights Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Goldman Sachs Asset Management, L.P.*<br>| &nbsp;&nbsp; 0.86%\* | &nbsp;&nbsp; 19.12% | &nbsp;&nbsp; 8.82% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Index Allocation 60/40 Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br>| &nbsp;&nbsp; 0.46% | &nbsp;&nbsp; 13.36% | &nbsp;&nbsp; 7.26% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Index Allocation 80/20 Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br>| &nbsp;&nbsp; 0.44% | &nbsp;&nbsp; 15.78% | &nbsp;&nbsp; 9.54% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Index Allocation 90/10 Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br>| &nbsp;&nbsp; 0.44% | &nbsp;&nbsp; 17.45% | &nbsp;&nbsp; 10.66% | &nbsp;&nbsp; N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Asset** <br> **Allocation** <br> **(continued)**<br>| &nbsp;&nbsp; SA JPMorgan Diversified Balanced Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.74%\* | &nbsp;&nbsp; 12.95% | &nbsp;&nbsp; 6.06% | &nbsp;&nbsp; 7.54% |
|  | &nbsp;&nbsp; SA MFS Total Return Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.71% | &nbsp;&nbsp; 10.99% | &nbsp;&nbsp; 6.30% | &nbsp;&nbsp; 7.53% |
|  | &nbsp;&nbsp; SA T. Rowe Price Allocation Moderately Aggressive Portfolio <br> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *T. Rowe Price Associates, Inc.*<br>| &nbsp;&nbsp; 0.75% | &nbsp;&nbsp; 15.77% | &nbsp;&nbsp; 8.51% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Wellington Strategic Multi-Asset Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Wellington Management Company LLP*<br>| &nbsp;&nbsp; 0.81%\* | &nbsp;&nbsp; 14.33% | &nbsp;&nbsp; 5.86% | &nbsp;&nbsp; 7.44% |
| **Bond** | &nbsp;&nbsp; PIMCO Emerging Markets Bond Portfolio – Institutional Class<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 1.02% | &nbsp;&nbsp; 15.15% | &nbsp;&nbsp; 2.60% | &nbsp;&nbsp; 5.22% |
|  | &nbsp;&nbsp; PIMCO Total Return Portfolio – Institutional Class<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 0.58% | &nbsp;&nbsp; 9.05% | &nbsp;&nbsp; 0.17% | &nbsp;&nbsp; 2.51% |
|  | &nbsp;&nbsp; SA American Century Inflation Managed Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *American Century Investment Management, Inc.*<br>| &nbsp;&nbsp; 0.60% | &nbsp;&nbsp; 6.54% | &nbsp;&nbsp; 0.89% | &nbsp;&nbsp; 2.32% |
|  | &nbsp;&nbsp; SA Federated Hermes Corporate Bond Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Federated Investment Management Company*<br>| &nbsp;&nbsp; 0.55% | &nbsp;&nbsp; 7.05% | &nbsp;&nbsp; 0.42% | &nbsp;&nbsp; 3.72% |
|  | &nbsp;&nbsp; SA Fixed Income Index Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.34%\* | &nbsp;&nbsp; 6.36% | &nbsp;&nbsp; -0.58% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Fixed Income Intermediate Index Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.34%\* | &nbsp;&nbsp; 6.24% | &nbsp;&nbsp; 0.97% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Goldman Sachs Government and Quality Bond Portfolio<sup>2</sup> <br> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Goldman Sachs Asset Management L.P.*<sup>2</sup><br>| &nbsp;&nbsp; 0.59% | &nbsp;&nbsp; 6.57% | &nbsp;&nbsp; -0.78% | &nbsp;&nbsp; 1.45% |
|  | &nbsp;&nbsp; SA JPMorgan MFS Core Bond Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc. and Massachusetts* <br> *Financial Services Company*<br>| &nbsp;&nbsp; 0.53%\* | &nbsp;&nbsp; 7.29% | &nbsp;&nbsp; 0.10% | &nbsp;&nbsp; 2.45% |
|  | &nbsp;&nbsp; SA JPMorgan Ultra-Short Bond Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.55% | &nbsp;&nbsp; 4.62% | &nbsp;&nbsp; 2.46% | &nbsp;&nbsp; 1.68% |
|  | &nbsp;&nbsp; SA PIMCO Global Bond Opportunities Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 0.93%\* | &nbsp;&nbsp; 9.07% | &nbsp;&nbsp; -3.37% | &nbsp;&nbsp; 0.61% |
|  | &nbsp;&nbsp; SA PineBridge High-Yield Bond Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *PineBridge Investments, LLC*<br>| &nbsp;&nbsp; 0.76% | &nbsp;&nbsp; 8.36% | &nbsp;&nbsp; 5.33% | &nbsp;&nbsp; 7.22% |
| **Cash** | &nbsp;&nbsp; Goldman Sachs VIT Government Money Market Fund <br> – Institutional Shares<br> *Goldman Sachs Asset Management, L.P.*<br>| &nbsp;&nbsp; 0.18%\* | &nbsp;&nbsp; 4.20% | &nbsp;&nbsp; 3.18% | &nbsp;&nbsp; 2.12% |
| **Stock** | &nbsp;&nbsp; Invesco V.I. American Franchise Fund – Series I<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 0.85% | &nbsp;&nbsp; 11.66% | &nbsp;&nbsp; 10.35% | &nbsp;&nbsp; 14.87% |
|  | &nbsp;&nbsp; Invesco V.I. Comstock Fund – Series I<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 0.75% | &nbsp;&nbsp; 17.44% | &nbsp;&nbsp; 15.43% | &nbsp;&nbsp; 11.95% |
|  | &nbsp;&nbsp; Invesco V.I. Growth and Income Fund – Series I<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 0.75% | &nbsp;&nbsp; 15.62% | &nbsp;&nbsp; 12.85% | &nbsp;&nbsp; 10.73% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Stock** <br> **(continued)**<br>| &nbsp;&nbsp; Lord Abbett Growth and Income Portfolio – Class VC<br> *Lord, Abbett & Co. LLC*<br>| &nbsp;&nbsp; 0.93% | &nbsp;&nbsp; 17.29% | &nbsp;&nbsp; 13.35% | &nbsp;&nbsp; 11.12% |
|  | &nbsp;&nbsp; SA AB Growth Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 0.63% | &nbsp;&nbsp; 13.06% | &nbsp;&nbsp; 11.95% | &nbsp;&nbsp; 16.14% |
|  | &nbsp;&nbsp; SA AB Small & Mid Cap Value Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 0.91%\* | &nbsp;&nbsp; 2.54% | &nbsp;&nbsp; 8.63% | &nbsp;&nbsp; 8.55% |
|  | &nbsp;&nbsp; SA American Funds Global Growth Portfolio<sup>1</sup> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.70%\* | &nbsp;&nbsp; 21.57% | &nbsp;&nbsp; 8.20% | &nbsp;&nbsp; 12.09% |
|  | &nbsp;&nbsp; SA American Funds Growth Portfolio<sup>1</sup> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.60%\* | &nbsp;&nbsp; 20.10% | &nbsp;&nbsp; 13.33% | &nbsp;&nbsp; 17.86% |
|  | &nbsp;&nbsp; SA American Funds Growth-Income Portfolio<sup>1</sup> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.57%\* | &nbsp;&nbsp; 18.03% | &nbsp;&nbsp; 13.88% | &nbsp;&nbsp; 13.84% |
|  | &nbsp;&nbsp; SA BlackRock Advantage International Portfolio<sup>3,4</sup> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<sup>4</sup><br>| &nbsp;&nbsp; 0.87%\* | &nbsp;&nbsp; 21.24% | &nbsp;&nbsp; 5.49% | &nbsp;&nbsp; 6.37% |
|  | &nbsp;&nbsp; SA Emerging Markets Equity Index Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.58%\* | &nbsp;&nbsp; 33.02% | &nbsp;&nbsp; 3.40% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Fidelity Institutional AM Global Equities Portfolio<sup>5</sup> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *FIAM LLC*<sup>5</sup><br>| &nbsp;&nbsp; 0.82%\* | &nbsp;&nbsp; 22.19% | &nbsp;&nbsp; 13.82% | &nbsp;&nbsp; 11.38% |
|  | &nbsp;&nbsp; SA Fidelity Institutional AM International Growth Portfolio <br> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *FIAM LLC*<br>| &nbsp;&nbsp; 0.89%\* | &nbsp;&nbsp; 18.25% | &nbsp;&nbsp; 6.02% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Fidelity Institutional AM Real Estate Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *FIAM LLC*<br>| &nbsp;&nbsp; 0.85% | &nbsp;&nbsp; 1.50% | &nbsp;&nbsp; 4.91% | &nbsp;&nbsp; 5.44% |
|  | &nbsp;&nbsp; SA Franklin BW U.S. Large Cap Value Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Brandywine Global Investment Management, LLC*<br>| &nbsp;&nbsp; 0.70%\* | &nbsp;&nbsp; 17.13% | &nbsp;&nbsp; 13.86% | &nbsp;&nbsp; 11.60% |
|  | &nbsp;&nbsp; SA Franklin Small Company Value Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Franklin Mutual Advisers, LLC*<br>| &nbsp;&nbsp; 1.00%\* | &nbsp;&nbsp; 6.37% | &nbsp;&nbsp; 8.60% | &nbsp;&nbsp; 9.67% |
|  | &nbsp;&nbsp; SA Franklin Systematic U.S. Large Cap Core Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.54% | &nbsp;&nbsp; 18.33% | &nbsp;&nbsp; 15.40% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.64% | &nbsp;&nbsp; 16.92% | &nbsp;&nbsp; 11.80% | &nbsp;&nbsp; 12.59% |
|  | &nbsp;&nbsp; SA International Index Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.50% | &nbsp;&nbsp; 31.00% | &nbsp;&nbsp; 8.46% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Invesco Growth Opportunities Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 0.82% | &nbsp;&nbsp; 6.10% | &nbsp;&nbsp; -0.73% | &nbsp;&nbsp; 9.13% |
|  | &nbsp;&nbsp; SA Janus Focused Growth Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Janus Capital Management, LLC*<br>| &nbsp;&nbsp; 0.80%\* | &nbsp;&nbsp; 18.39% | &nbsp;&nbsp; 11.68% | &nbsp;&nbsp; 15.64% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Stock** <br> **(continued)**<br>| &nbsp;&nbsp; SA JPMorgan Emerging Markets Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 1.16%\* | &nbsp;&nbsp; 36.28% | &nbsp;&nbsp; 4.64% | &nbsp;&nbsp; 8.42% |
|  | &nbsp;&nbsp; SA JPMorgan Equity-Income Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.59% | &nbsp;&nbsp; 14.63% | &nbsp;&nbsp; 10.80% | &nbsp;&nbsp; 11.09% |
|  | &nbsp;&nbsp; SA JPMorgan Large Cap Core Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.69%\* | &nbsp;&nbsp; 14.47% | &nbsp;&nbsp; 13.00% | &nbsp;&nbsp; 12.73% |
|  | &nbsp;&nbsp; SA JPMorgan Mid-Cap Growth Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.77%\* | &nbsp;&nbsp; 8.07% | &nbsp;&nbsp; 4.24% | &nbsp;&nbsp; 12.17% |
|  | &nbsp;&nbsp; SA Large Cap Growth Index Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.35% | &nbsp;&nbsp; 21.80% | &nbsp;&nbsp; 14.65% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Large Cap Index Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.25%\* | &nbsp;&nbsp; 17.56% | &nbsp;&nbsp; 14.11% | &nbsp;&nbsp; 14.46% |
|  | &nbsp;&nbsp; SA Large Cap Value Index Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.35%\* | &nbsp;&nbsp; 12.80% | &nbsp;&nbsp; 12.56% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA MFS Large Cap Growth Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.68% | &nbsp;&nbsp; 16.64% | &nbsp;&nbsp; 15.12% | &nbsp;&nbsp; 16.16% |
|  | &nbsp;&nbsp; SA MFS Massachusetts Investors Trust Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.70%\* | &nbsp;&nbsp; 13.82% | &nbsp;&nbsp; 11.48% | &nbsp;&nbsp; 12.65% |
|  | &nbsp;&nbsp; SA Mid Cap Index Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.37% | &nbsp;&nbsp; 7.07% | &nbsp;&nbsp; 8.66% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA PIMCO RAE International Value Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 0.84%\* | &nbsp;&nbsp; 36.30% | &nbsp;&nbsp; 10.27% | &nbsp;&nbsp; 6.26% |
|  | &nbsp;&nbsp; SA Putnam International Value Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Putnam Investment Management, LLC*<br>| &nbsp;&nbsp; 0.94%\* | &nbsp;&nbsp; 35.27% | &nbsp;&nbsp; 12.89% | &nbsp;&nbsp; 9.06% |
|  | &nbsp;&nbsp; SA Small Cap Index Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<br>| &nbsp;&nbsp; 0.41%\* | &nbsp;&nbsp; 12.32% | &nbsp;&nbsp; 5.54% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA Wellington Capital Appreciation Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Wellington Management Company LLP*<br>| &nbsp;&nbsp; 0.73% | &nbsp;&nbsp; 14.53% | &nbsp;&nbsp; 8.81% | &nbsp;&nbsp; 16.03% |
| **Volatility** <br> **Control**<br>| &nbsp;&nbsp; SA American Funds VCP Managed Allocation Portfolio<sup>1</sup> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.90%\* | &nbsp;&nbsp; 11.14% | &nbsp;&nbsp; 7.68% | &nbsp;&nbsp; 7.98% |
|  | &nbsp;&nbsp; SA Schroders VCP Global Allocation Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Schroder Investment Management North America*<br>| &nbsp;&nbsp; 0.91%\* | &nbsp;&nbsp; 12.72% | &nbsp;&nbsp; 6.00% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA T. Rowe Price VCP Balanced Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *T. Rowe Price Associates, Inc.*<br>| &nbsp;&nbsp; 0.84% | &nbsp;&nbsp; 16.28% | &nbsp;&nbsp; 7.10% | &nbsp;&nbsp; N/A |
|  | &nbsp;&nbsp; SA VCP Dynamic Allocation Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 0.76% | &nbsp;&nbsp; 11.49% | &nbsp;&nbsp; 5.60% | &nbsp;&nbsp; 7.77% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** | **Average Annual Total Returns**<br> **(as of 12/31/2025)** |
| **Type** | &nbsp;&nbsp; **Underlying Fund – Share Class**<br> *Advisor*<br> *Subadvisor (if applicable)* | **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| **Volatility** <br> **Control** <br> **(continued)**<br>| &nbsp;&nbsp; SA VCP Dynamic Strategy Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 0.78% | &nbsp;&nbsp; 11.22% | &nbsp;&nbsp; 5.93% | &nbsp;&nbsp; 7.44% |
|  | &nbsp;&nbsp; SA VCP Index Allocation Portfolio – Class 1<br> *SunAmerica Asset Management, LLC*<br> *T. Rowe Price Associates, Inc.*<br>| &nbsp;&nbsp; 0.53% | &nbsp;&nbsp; 12.08% | &nbsp;&nbsp; 7.56% | &nbsp;&nbsp; N/A |

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\* *This Underlying Fund is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Underlying Fund prospectus for additional information.*

<sup>1</sup>

Capital Research and Management Company is the investment adviser of the master fund in which this Underlying Fund (Master-Feeder Fund) invests. Under a master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities.

<sup>2</sup>

On July 28, 2025, SA Wellington Government and Quality Bond Portfolio was renamed SA Goldman Sachs Government and Quality Bond Portfolio and Goldman Sachs Asset Management L.P. became its subadvisor.

<sup>3</sup>

Please note that not all of these Underlying Funds may be available through the broker-dealer with which your investment advisor is affiliated. Please check with your investment advisor for availability and additional restrictions.

<sup>4</sup>

On May 1, 2026, SA Morgan Stanley International Equities Portfolio was renamed SA BlackRock Advantage International Portfolio and BlackRock Investment Management, LLC became its subadvisor.

<sup>5</sup>

On July 28, 2025, SA JPMorgan Global Equities Portfolio was renamed SA Fidelity Institutional AM Global Equities Portfolio and FIAM LLC became its subadvisor.

**<u>Fixed Accounts</u>**

The following is a list of Fixed Accounts currently available under the contract. We may change the features of the Fixed Accounts listed below, offer new Fixed Accounts, and terminate existing Fixed Accounts. We will provide you with written notice before doing so.

**See INVESTMENT OPTIONS - FIXED ACCOUNTS** in the prospectus for a description of the Fixed Accounts' features.

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| | | |
|:---|:---|:---|
| Name | Terms | Minimum Guaranteed Interest Rate |
| 1-Year Fixed Account | 1-Year | 1% |
| Dollar Cost Averaging Fixed Account | 6-Month, 12-Month | 1% |
| Secure Value Account\* | 1-Year | 1% |

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\* If you elect a Living Benefit, a certain percentage (either 10% or 20%) of your investment will automatically be allocated to the Secure Value Account. Amounts allocated to the Secure Value Account may not be transferred to any other investment option. You may not transfer into or out of the Secure Value Account.

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**INVESTMENT REQUIREMENTS FOR OPTIONAL LIVING BENEFITS**

If you elect an optional Living Benefit, your contract is subject to investment requirements, as reflected below. Depending on the optional Living Benefit you choose, you may not be able to invest in certain investment options. If you do not elect any optional benefits, or if the only optional benefit you elect is a death benefit, your contract is not subject to investment requirements.

**FOR OPTIONAL BENEFITS AVAILABLE FOR ELECTION**

This section contains the current investment requirements for the optional Living Benefits that we are offering to investors, including:

&nbsp;&nbsp;&nbsp;&nbsp;• Polaris Income Max

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

&nbsp;&nbsp;&nbsp;&nbsp;• Polaris Income Plus Daily Flex

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**Polaris Income Max**

If you elect Polaris Income Max, you must allocate your assets in accordance with the following:

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| | |
|:---|:---|
| &nbsp;&nbsp; 20% Secure<br> Value Account<br>| &nbsp;&nbsp;&nbsp;&nbsp; 80% in one or more of the following Variable <br> Portfolios, except as otherwise noted:<br>Goldman Sachs VIT Government Money Market <br> Fund<br> PIMCO Total Return<br> SA American Century Inflation Managed<br> SA American Funds VCP Managed Allocation\*<br> SA Federated Hermes Corporate Bond<br> SA Fixed Income Index<br> SA Fixed Income Intermediate Index<br> SA Goldman Sachs Government and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA JPMorgan Ultra-Short Bond<br> SA PIMCO Global Bond Opportunities<br> SA Schroders VCP Global Allocation\*<br> SA T. Rowe Price VCP Balanced\*<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> SA VCP Index Allocation<br> **<u>DCA Fixed Accounts\*\*</u>**<br> 6-Month DCA<br> 1-Year DCA<br> \*You may invest up to a maximum of 50% in each of <br> these Variable Portfolios.<br> \*\*You may use a DCA Fixed Account to invest your <br> target allocation in accordance with the investment <br> requirements.<br>|

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**Polaris Income Plus Daily Flex**

If you elect Polaris Income Plus Daily Flex, you must allocate your assets in accordance with the option below or Build Your Own Allocation:

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| | |
|:---|:---|
| &nbsp;&nbsp; 10% Secure <br> Value Account<br>| &nbsp;&nbsp;&nbsp;&nbsp; **Asset Allocation Portfolios**<br> 90% in one or more of the following Variable <br> Portfolios:<br>**<u>Individually Managed Asset Allocation</u>** <br> **<u>Portfolios:</u>**<br> SA American Funds Asset Allocation<br> SA BlackRock Multi-Factor 70/30<br> SA Franklin Allocation Moderately Aggressive<br> SA Franklin Tactical Opportunities<br> SA Goldman Sachs Multi-Asset Insights<br> SA JPMorgan Diversified Balanced<br> SA MFS Total Return<br> SA T. Rowe Price Allocation Moderately <br> Aggressive<br> SA Wellington Strategic Multi-Asset<br> **<u>Actively Managed Fund-of-Funds:</u>**<br> SA Allocation Aggressive<br> SA Allocation Balanced<br> SA Allocation Moderate<br> SA Allocation Moderately Aggressive<br> **<u>Index Fund-of-Funds Portfolios:</u>**<br> SA Global Index Allocation 90/10<br> SA Global Index Allocation 75/25<br> SA Index Allocation 90/10<br> SA Index Allocation 80/20<br> SA Index Allocation 60/40<br> **<u>Volatility Control Portfolios:</u>**<br> SA American Funds VCP Managed Allocation<br> SA Schroders VCP Global Allocation<br> SA T. Rowe Price VCP Balanced<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> SA VCP Index Allocation<br> **<u>Fixed Income Portfolios</u>**<br> Goldman Sachs VIT Government Money Market <br> Fund <br> PIMCO Total Return<br> SA American Century Inflation Managed<br> SA Federated Hermes Corporate Bond<br> SA Fixed Income Immediate Index<br> SA Fixed Income Index<br> SA Goldman Sachs Government and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA JPMorgan Ultra-Short Bond<br> SA PIMCO Global Bond Opportunities<br> **<u>DCA Fixed Accounts\*</u>**<br> 6-Month DCA<br> 1-Year DCA<br> \*You may use a DCA Fixed Account to invest your <br> target allocation in accordance with the investment <br> requirements.<br>|

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**Build Your Own Allocation**

You must allocate your assets in accordance with the following: 10% of your total Purchase Payments in the Secure Value Account. The remaining 90% of your total Purchase Payments must be allocated in the following Investment Groups:

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| |
|:---|
| **FIXED INCOME PORTFOLIOS**<br> **Investment Requirement Minimum 18% Maximum 90%** |
| **<u>Money Market Portfolio:</u>** |
| Goldman Sachs VIT Government Money Market Fund |
| **<u>Core Fixed Income Portfolios:</u>** |
| PIMCO Total Return |
| SA American Century Inflation Managed |
| SA Federated Hermes Corporate Bond  |
| SA Fixed Income Index  |
| SA Fixed Income Intermediate Index |
| SA Goldman Sachs Government and Quality Bond |
| SA JPMorgan MFS Core Bond  |
| SA JPMorgan Ultra-Short Bond |
| SA PIMCO Global Bond Opportunities |
| **<u>DCA Fixed Accounts\*</u>** |
| 6-Month DCA |
| 1-Year DCA |
| **<u>Fixed Accounts</u>** |
| 1-Year Fixed (if available) |
| **PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS**<br> **Investment Requirement Minimum 0% Maximum 72%\*\*** |
| **<u>Global & International Portfolios:</u>** |
| SA BlackRock Advantage International |
| SA Emerging Markets Equity Index |
| SA Fidelity Institutional AM Global Equities |
| SA International Index |
| **<u>Large Core Portfolios:</u>** |
| SA American Funds Growth-Income |
| SA Franklin Systematic U.S. Large Cap Core |
| SA JPMorgan Large Cap Core Portfolio |
| SA Large Cap Index |
| SA MFS Massachusetts Investors Trust |
| **<u>Large Value Portfolios:</u>** |
| Invesco V.I. Comstock  |
| Invesco V.I. Growth and Income  |
| Lord Abbett Growth and Income  |
| SA Franklin BW U.S. Large Cap Value |
| SA Franklin Systematic U.S. Large Cap Value |
| SA JPMorgan Equity-Income  |
| SA Large Cap Value Index |
| **<u>Large Growth Portfolios:</u>** |
| Invesco V.I. American Franchise |
| SA AB Growth |
| SA American Funds Growth |
| SA Janus Focused Growth |
| SA Large Cap Growth Index |
| SA MFS Large Cap Growth |
| SA Wellington Capital Appreciation |
| **<u>Small & Mid Cap Portfolios:</u>** |
| SA Mid Cap Index |
| SA Small Cap Index |
| **<u>Asset Allocation Portfolios:</u>** |
| Franklin Allocation VIP Fund |
| Franklin Income VIP Fund |
| SA Allocation Aggressive |
| SA Allocation Balanced |
| SA Allocation Moderate  |
| SA Allocation Moderately Aggressive |

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| |
|:---|
| **PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS**<br> **- CONTINUED**<br>**Investment Requirement Minimum 0% Maximum 72%\*\*** |
| SA American Funds Asset Allocation |
| SA BlackRock Multi-Factor 70/30 |
| SA Franklin Allocation Moderately Aggressive |
| SA Franklin Tactical Opportunities |
| SA Global Index Allocation 75/25 |
| SA Global Index Allocation 90/10 |
| SA Goldman Sachs Multi-Asset Insights |
| SA Index Allocation 60/40 |
| SA Index Allocation 80/20 |
| SA Index Allocation 90/10  |
| SA JPMorgan Diversified Balanced  |
| SA MFS Total Return |
| SA T. Rowe Price Allocation Moderately Aggressive |
| SA Wellington Strategic Multi-Asset |
| **<u>Asset Allocation (Volatility Control Portfolios):</u>** |
| SA American Funds VCP Managed Allocation |
| SA Schroders VCP Global Allocation |
| SA T. Rowe Price VCP Balanced |
| SA VCP Dynamic Allocation |
| SA VCP Dynamic Strategy  |
| SA VCP Index Allocation |
| **OTHER EQUITY AND SPECIALTY PORTFOLIOS**<br> **Investment Requirement Minimum 0% Maximum 27%\*\*\*** |
| **<u>Small & Mid Cap Portfolios:</u>**  |
| SA AB Small & Mid Cap Value |
| SA Franklin Small Company Value |
| SA Invesco Growth Opportunities |
| SA JPMorgan Mid-Cap Growth |
| **<u>Global & International Portfolios:</u>** |
| SA American Funds Global Growth |
| SA Fidelity Institutional AM International Growth |
| SA JPMorgan Emerging Markets  |
| SA PIMCO RAE International Value |
| SA Putnam International Value |
| **<u>Specialty Portfolios:</u>** |
| PIMCO Emerging Markets Bond |
| SA Fidelity Institutional AM Real Estate |
| SA PineBridge High-Yield Bond |

---

\*

You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements.

\*\*

You may invest up to a maximum of 36% in an individual Variable Portfolio within this Investment Group.

\*\*\*

You may invest up to a maximum of 9% in an individual Variable Portfolio within this Investment Group.

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**OPTIONAL BENEFITS NO LONGER AVAILABLE FOR ELECTION**

This section contains the investment requirements for the following optional Living Benefits that we are no longer offering to investors:

&nbsp;&nbsp;&nbsp;&nbsp;• Polaris Income Plus Daily Flex (for contracts issued prior to November 8, 2021)

&nbsp;&nbsp;&nbsp;&nbsp;• Polaris Income Plus Flex

&nbsp;&nbsp;&nbsp;&nbsp;• Polaris Income Plus

&nbsp;&nbsp;&nbsp;&nbsp;• Polaris Income Plus Daily

**Polaris Income Plus Daily Flex**

If your contract was purchased between **May 1, 2019 and November 7, 2021** and you elected the optional Polaris Income Plus Daily Flex Living Benefit, you must allocate your assets in accordance with the option below or Build Your Own Allocation:

---

| | |
|:---|:---|
| &nbsp;&nbsp; 10% Secure <br> Value Account<br>| &nbsp;&nbsp;&nbsp;&nbsp; **Asset Allocation Portfolios**<br> 90% in one or more of the following Variable <br> Portfolios:<br>**<u>Individually Managed Asset Allocation</u>** <br> **<u>Portfolios:</u>**<br> SA American Funds Asset Allocation<br> SA BlackRock Multi-Factor 70/30<br> SA Franklin Tactical Opportunities<br> SA Franklin Allocation Moderately Aggressive<br> SA Goldman Sachs Multi-Asset Insights<br> SA JPMorgan Diversified Balanced<br> SA MFS Total Return<br> SA T. Rowe Price Allocation Moderately <br> Aggressive <br> SA Wellington Strategic Multi-Asset<br> **<u>Actively Managed Fund-of-Funds:</u>**<br> SA Allocation Aggressive<br> SA Allocation Balanced<br> SA Allocation Moderate<br> SA Allocation Moderately Aggressive<br> **<u>Index Fund-of-Funds Portfolios:</u>**<br> SA Global Index Allocation 90/10<br> SA Global Index Allocation 75/25<br> SA Index Allocation 90/10<br> SA Index Allocation 80/20<br> SA Index Allocation 60/40<br> **<u>Volatility Control Portfolios:</u>**<br> SA American Funds VCP Managed Allocation<br> SA Schroders VCP Global Allocation<br> SA T. Rowe Price VCP Balanced<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> SA VCP Index Allocation<br> **<u>Fixed Income Portfolios</u>**<br> Goldman Sachs VIT Government Money Market <br> Fund <br> PIMCO Total Return<br> SA American Century Inflation Managed<br> SA Federated Hermes Corporate Bond<br> SA Fixed Income Intermediate Index<br> SA Fixed Income Index<br> SA Goldman Sachs Government and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA JPMorgan Ultra-Short Bond <br> SA PIMCO Global Bond Opportunities<br> **<u>DCA Fixed Accounts\*</u>**<br> 6-Month DCA<br> 1-Year DCA<br> \*You may use a DCA Fixed Account to invest your <br> target allocation in accordance with the investment <br> requirements.<br>|

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**Build Your Own Allocation**

You must allocate your assets in accordance with the following: 10% of your total Purchase Payments in the Secure Value Account. The remaining 90% of your total Purchase Payments must be allocated in the following Investment Groups:

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| |
|:---|
| **FIXED INCOME PORTFOLIOS**<br> **Investment Requirement Minimum 18% Maximum 90%** |
| **<u>Money Market Portfolio:</u>** |
| Goldman Sachs VIT Government Money Market Fund |
| **<u>Core Fixed Income Portfolios:</u>** |
| PIMCO Total Return |
| SA American Century Inflation Managed |
| SA Federated Hermes Corporate Bond  |
| SA Fixed Income Index  |
| SA Fixed Income Intermediate Index |
| SA Goldman Sachs Government and Quality Bond |
| SA JPMorgan MFS Core Bond  |
| SA JPMorgan Ultra-Short Bond  |
| SA PIMCO Global Bond Opportunities |
| **<u>DCA Fixed Accounts\*</u>** |
| 6-Month DCA |
| 1-Year DCA |
| **<u>Fixed Accounts</u>** |
| 1-Year Fixed (if available) |
| **PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS**<br> **Investment Requirement Minimum 0% Maximum 72%\*\*** |
| **<u>Global & International Portfolios:</u>** |
| SA BlackRock Advantage International |
| SA Emerging Markets Equity Index |
| SA Fidelity Institutional AM Global Equities |
| SA International Index |
| **<u>Large Core Portfolios:</u>** |
| SA American Funds Growth-Income |
| SA Franklin Systematic U.S. Large Cap Core |
| SA JPMorgan Large Cap Core |
| SA Large Cap Index |
| SA MFS Massachusetts Investors Trust |
| **<u>Large Value Portfolios:</u>** |
| Invesco V.I. Comstock  |
| Invesco V.I. Growth and Income  |
| Lord Abbett Growth and Income  |
| SA Franklin BW U.S. Large Cap Value |
| SA Franklin Systematic U.S. Large Cap Value |
| SA JPMorgan Equity-Income  |
| SA Large Cap Value Index |
| **<u>Large Growth Portfolios:</u>** |
| Invesco V.I. American Franchise |
| SA AB Growth |
| SA American Funds Growth |
| SA Janus Focused Growth |
| SA Large Cap Growth Index |
| SA MFS Large Cap Growth |
| SA Wellington Capital Appreciation<sup>1</sup> <br>|
| **<u>Small & Mid Cap Portfolios:</u>** |
| SA Mid Cap Index |
| SA Small Cap Index |
| **<u>Asset Allocation Portfolios:</u>** |
| Franklin Allocation VIP Fund |
| Franklin Income VIP Fund |
| SA Allocation Aggressive |
| SA Allocation Balanced |
| SA Allocation Moderate  |
| SA Allocation Moderately Aggressive  |

---

---

| |
|:---|
| **PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS**<br> **- CONTINUED**<br>**Investment Requirement Minimum 0% Maximum 72%\*\*** |
| SA American Funds Asset Allocation |
| SA BlackRock Multi-Factor 70/30 |
| SA Franklin Allocation Moderately Aggressive |
| SA Franklin Tactical Opportunities |
| SA Global Index Allocation 75/25  |
| SA Global Index Allocation 90/10  |
| SA Goldman Sachs Multi-Asset Insights |
| SA Index Allocation 60/40  |
| SA Index Allocation 80/20  |
| SA Index Allocation 90/10  |
| SA JPMorgan Diversified Balanced  |
| SA MFS Total Return |
| SA T. Rowe Price Allocation Moderately Aggressive  |
| SA Wellington Strategic Multi-Asset |
| **<u>Asset Allocation (Volatility Control Portfolios):</u>** |
| SA American Funds VCP Managed Allocation |
| SA Schroders VCP Global Allocation |
| SA T. Rowe Price VCP Balanced |
| SA VCP Dynamic Allocation |
| SA VCP Dynamic Strategy  |
| SA VCP Index Allocation |
| **OTHER EQUITY AND SPECIALTY PORTFOLIOS**<br> **Investment Requirement Minimum 0% Maximum 27%\*\*\*** |
| **<u>Small & Mid Cap Portfolios:</u>**  |
| SA AB Small & Mid Cap Value |
| SA Franklin Small Company Value  |
| SA Invesco Growth Opportunities  |
| SA JPMorgan Mid-Cap Growth<sup>2</sup> <br>|
| **<u>Global & International Portfolios:</u>** |
| SA American Funds Global Growth |
| SA Fidelity Institutional AM<sup>®</sup> International Growth |
| SA JPMorgan Emerging Markets  |
| SA PIMCO RAE International Value |
| SA Putnam International Value |
| **<u>Specialty Portfolios:</u>** |
| PIMCO Emerging Markets Bond |
| SA Fidelity Institutional AM<sup>®</sup> Real Estate |
| SA PineBridge High-Yield Bond |

---

\*

You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements.

\*\*

You may invest up to a maximum of 36% in an individual Variable Portfolio within this Investment Group.

\*\*\*

You may invest up to a maximum of 9% in an individual Variable Portfolio within this Investment Group.

<sup>1</sup> You may invest up to a maximum of 45% in SA Wellington Capital Appreciation.

<sup>2</sup> You may invest in up to 18% in SA JPMorgan Mid-Cap Growth.

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**Polaris Income PLUS FLEX**

If your contract was purchased between **May 1, 2019 and October 12, 2020** and you elected the optional Polaris Income Plus Flex Living Benefit, you must allocate your assets in accordance with the following:

---

| | |
|:---|:---|
| &nbsp;&nbsp; 10% Secure<br> Value Account<br>| &nbsp;&nbsp;&nbsp;&nbsp; 90% in one or more of the following Variable <br> Portfolios, except as otherwise noted:<br>Goldman Sachs VIT Government Money Market <br> Fund<br> PIMCO Total Return<br> SA American Century Inflation Managed<br> SA American Funds VCP Managed Allocation\*<br> SA Federated Hermes Corporate Bond<br> SA Fixed Income Index<br> SA Fixed Income Intermediate Index<br> SA Goldman Sachs Government and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA JPMorgan Ultra-Short Bond<br> SA PIMCO Global Bond Opportunities<br> SA Schroders VCP Global Allocation\*<br> SA T. Rowe Price VCP Balanced\*<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> SA VCP Index Allocation<br> **<u>DCA Fixed Accounts\*\*</u>**<br> 6-Month DCA<br> 1-Year DCA<br> \*You may invest up to a maximum of 50% in each of <br> these Variable Portfolios.<br> \*\*You may use a DCA Fixed Account to invest your <br> target allocation in accordance with the investment <br> requirements.<br>|

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**POLARIS INCOME PLUS** 

If you elected the optional Polaris Income Plus Income Living Benefit, the following Investment Requirements are applicable:

---

| | |
|:---|:---|
| &nbsp;&nbsp; 10% Secure<br> Value Account<br>| &nbsp;&nbsp;&nbsp;&nbsp; Up to 90% in one or more of the following <br> Variable Portfolios, except as otherwise noted:<br>Goldman Sachs VIT Government Money Market <br> Fund<br> SA American Century Inflation Managed<br> SA American Funds VCP Managed Allocation\*<br> SA DFA Ultra Short Bond<br> SA Federated Hermes Corporate Bond<br> SA Fixed Income Index<br> SA Fixed Income Intermediate Index <br> SA Goldman Sachs Global Bond<br> SA Goldman Sachs Government and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA Schroders VCP Global Allocation\*<br> SA T. Rowe Price VCP Balanced\*<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> SA VCP Index Allocation<br> **DCA Fixed Accounts\*\***<br> 6-Month DCA<br> 1-Year DCA<br> \*You may invest up to a maximum of 50% in each of <br> these Variable Portfolios.<br> \*\*You may use a DCA Fixed Account to invest your <br> target allocation in accordance with the investment <br> requirements.<br>|

---

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**Polaris Income Plus Daily**

If you elected the optional Polaris Income Plus Daily Living Benefit, you must allocate your assets in accordance with the following:

---

| | |
|:---|:---|
| &nbsp;&nbsp; 10% Secure <br> Value Account<br>| &nbsp;&nbsp;&nbsp;&nbsp; Up to 90% in one or more of the following <br> Variable Portfolios:<br>**<u>Individually Managed Asset Allocation</u>** <br> **<u>Portfolios:</u>**<br> SA American Funds Asset Allocation<br> SA Franklin Tactical Opportunities<br> SA Goldman Sachs Multi-Asset Insights<br> SA JPMorgan Diversified Balanced<br> SA MFS Total Return<br> SA Franklin <br> SA T. Rowe Price Allocation Moderately <br> Aggressive<br> SA Wellington Strategic Multi-Asset Income<br> **<u>Actively Managed Fund-of-Funds:</u>**<br> SA Allocation Aggressive<br> SA Allocation Balanced<br> SA Allocation Moderate<br> SA Allocation Moderately Aggressive<br> **<u>Fixed Income and Money Market Portfolios:</u>**<br> Goldman Sachs VIT Government Money Market <br> Fund<br> SA American Century Inflation Managed<br> SA Federated Hermes Corporate Bond<br> SA Fixed Income Index<br> SA Fixed Income Intermediate Index<br> SA Goldman Sachs Government and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA JPMorgan Ultra-Short Bond<br> SA PIMCO Global Bond Opportunities<br> **<u>Index Fund-of-Funds Portfolios</u>**<br> SA Global Index Allocation 90/10<br> SA Global Index Allocation 75/25<br> SA Index Allocation 90/10<br> SA Index Allocation 80/20<br> SA Index Allocation 60/40<br> **<u>Volatility Control Portfolios:</u>**<br> SA American Funds VCP Managed Allocation<br> SA Schroders VCP Global Allocation<br> SA T. Rowe Price VCP Balanced<br> SA VCP Dynamic Allocation<br> SA VCP Dynamic Strategy<br> SA VCP Index Allocation<br> **<u>DCA Fixed Accounts</u>\***<br> 6-Month DCA<br> 1-Year DCA<br> \*You may use a DCA Fixed Account to invest your <br> target allocation in accordance with the investment <br> requirements.<br>|

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**\* \* \***

*This summary prospectus incorporates by reference the prospectus and statement of additional information (SAI) for the contract, both dated May 1, 2026, as may be amended or supplemented from time to time. The SAI may be obtained, free of charge, in the same manner as the prospectus.*

EDGAR Contract Identifier: C000200229

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