# EDGAR Filing Document

**Accession Number:** 0001070231
**File Stem:** 0001193125-26-192596
**Filing Date:** 2026-4
**Character Count:** 87009
**Document Hash:** 62987bdaeedbd6ccdcffdc01fded2091
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-192596.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001193125-26-192596

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 3

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VARIABLE ANNUITY ACCOUNT SEVEN
- **CENTRAL INDEX KEY:** 0001070231

**ORGANIZATION NAME:**
- **EIN:** 860198983
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 0430

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-185807
- **FILM NUMBER:** 26918608

**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

## Series and Classes Contracts Data

### VARIABLE ANNUITY ACCOUNT SEVEN (Series ID: S000010607)

| Class ID   | Class Name                                        | Ticker Symbol   |
|:---|:---|:---|
| C000124684 | Polaris II A-Class (G) 333-185807                 |  |
| C000124685 | Polaris II A-Class Platinum Series (G) 333-185807 |  |

![](g103508img83d0769d1.jpg)

issued by

**AMERICAN GENERAL LIFE INSURANCE COMPANY**

in all states except in New York

In connection with

**VARIABLE ANNUITY ACCOUNT SEVEN**

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

This updating summary prospectus provides updated information about Polaris II A-Class, 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.

**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.

**Gross Purchase Payment** - The money you give us to buy the contract, as well as any additional money you give us to invest in the contract after you own it. Gross Purchase Payments do not reflect the reduction of the sales charge.

**Purchase Payments** - The portion of your Gross Purchase Payments which we invest in your contract. We calculate this amount by deducting the applicable sales charge from your Gross Purchase Payments.

**Underlying Fund(s)** - 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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| | | | | |
|:---|:---|:---|:---|:---|
|  | **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>| &nbsp;&nbsp; **Yes.**<br> If your Gross Purchase Payment(s) qualify for the $1,000,000 or more Investment Amount <br> level and are invested for less than 12 months at the time of a withdrawal, you may be <br> assessed a withdrawal charge of up to 0.50%, as a percentage of each Purchase Payment <br> withdrawn. <br> For example, if you were to withdraw $1,000,000 during a withdrawal charge period, you <br> could be assessed a withdrawal charge of up to $5,000. This loss will be greater if there are <br> federal and state income taxes or tax-penalties.<br> Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to the <br> annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not <br> yet withdrawn. | &nbsp;&nbsp; **Yes.**<br> If your Gross Purchase Payment(s) qualify for the $1,000,000 or more Investment Amount <br> level and are invested for less than 12 months at the time of a withdrawal, you may be <br> assessed a withdrawal charge of up to 0.50%, as a percentage of each Purchase Payment <br> withdrawn. <br> For example, if you were to withdraw $1,000,000 during a withdrawal charge period, you <br> could be assessed a withdrawal charge of up to $5,000. This loss will be greater if there are <br> federal and state income taxes or tax-penalties.<br> Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to the <br> annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not <br> yet withdrawn. | &nbsp;&nbsp; **Yes.**<br> If your Gross Purchase Payment(s) qualify for the $1,000,000 or more Investment Amount <br> level and are invested for less than 12 months at the time of a withdrawal, you may be <br> assessed a withdrawal charge of up to 0.50%, as a percentage of each Purchase Payment <br> withdrawn. <br> For example, if you were to withdraw $1,000,000 during a withdrawal charge period, you <br> could be assessed a withdrawal charge of up to $5,000. This loss will be greater if there are <br> federal and state income taxes or tax-penalties.<br> Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to the <br> annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not <br> yet withdrawn. | **Expenses** |
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes**, in addition to withdrawal charges, you may be charged for other transactions such as <br> an Upfront Sales Charge on Purchase Payments, charges for each transfer after 15 transfers <br> in any contract year during the Accumulation Phase and certain tax-related charges on <br> Purchase Payments. | &nbsp;&nbsp; **Yes**, in addition to withdrawal charges, you may be charged for other transactions such as <br> an Upfront Sales Charge on Purchase Payments, charges for each transfer after 15 transfers <br> in any contract year during the Accumulation Phase and certain tax-related charges on <br> Purchase Payments. | &nbsp;&nbsp; **Yes**, in addition to withdrawal charges, you may be charged for other transactions such as <br> an Upfront Sales Charge on Purchase Payments, charges for each transfer after 15 transfers <br> in any contract year during the Accumulation Phase and certain tax-related charges on <br> 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 investment options you choose. Please refer to your contract <br> data page for information about the specific fees you will pay each year based on the options <br> you have elected. | &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 investment options you choose. Please refer to your contract <br> data page for information about the specific fees you will pay each year based on the options <br> you have elected. | &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 investment options you choose. Please refer to your contract <br> data page for information about the specific fees you will pay each year based on the options <br> you have elected. | **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>| 0.85% | 0.85% | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; Investment Options<sup>2</sup> <br>(Underlying Fund fees and expenses)<br>| 0.46% | 1.33% | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; Optional Benefits Available for an <br> Additional Charge<sup>1</sup> <br>(For a single optional benefit, if elected)<br>| 0.25% | 0.25% | **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> 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, which could add withdrawal <br> charges that substantially increase costs. | &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> 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, which could add withdrawal <br> charges that substantially increase costs. | &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> 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, which could add withdrawal <br> charges that substantially increase costs. | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Lowest Annual Cost: $1,490** | **Highest Annual Cost: $2,361** | **Highest Annual Cost: $2,361** | **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 withdrawal charges<br> •No additional Purchase Payments, <br> transfers, or withdrawals<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 withdrawal charges<br> •No additional Purchase Payments, <br> transfers, or withdrawals | &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 withdrawal charges<br> •No additional Purchase Payments, <br> transfers, or withdrawals | **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> •Charges may apply to withdrawals. Withdrawal charges could significantly reduce the <br> value of your investment or the amount that you receive upon taking a withdrawal. <br> Withdrawals may also 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 and long-term income mean that this contract is generally <br> more beneficial to investors with a long investment 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** |
|  | **RESTRICTIONS** |  |
| **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 Account, 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. We reserve the right to modify the investment requirements in <br> the future. If you do not elect any optional benefit, or if the only optional benefit you elect <br> is a death benefit, your contract is not subject to investment 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. | &nbsp;&nbsp; **Investment** <br> **Options**<br>|

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|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<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. | **Death Benefits** |
|  | **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.<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** |
|  | **CONFLICTS OF INTEREST** |  |
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Your financial representative may receive compensation for selling this contract to you in the <br> form of commissions, additional cash compensation, and/or non-cash compensation. We may <br> share the revenue we earn on this contract with your financial representative's firm. <br> Revenue sharing arrangements and commissions may provide selling firms and/or their <br> registered representatives with an incentive to favor sales of our contracts over other <br> variable annuity contracts (or other investments) with respect to which a selling firm does <br> not receive the same level of additional compensation. You should ask your financial <br> representative about how they are compensated. | &nbsp;&nbsp; **Payments in** <br> **Connection with** <br> **Distribution of the** <br> **Contract** |
| **Should I** <br> **Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some financial representatives may have a financial incentive to offer you a new contract in <br> place of the one you already own. You should exchange a contract you already own only if <br> you determine, after comparing the features, fees, and risks of both contracts, that it is <br> better for you to purchase the new contract rather than continue to own your existing <br> 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.

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.

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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; American Funds Asset Allocation Fund – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.54% | &nbsp;&nbsp; 15.85% | &nbsp;&nbsp; 8.97% | &nbsp;&nbsp; 9.77% |
|  | &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% |
| **Bond** | &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 Goldman Sachs Government and Quality Bond Portfolio<sup>1</sup> <br> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *Goldman Sachs Asset Management L.P.*<sup>1</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 – Service <br> Shares<br> *Goldman Sachs Asset Management, L.P.*<br>| &nbsp;&nbsp; 0.43%\* | &nbsp;&nbsp; 3.94% | &nbsp;&nbsp; 2.98% | &nbsp;&nbsp; 1.90% |
| **Stock** | &nbsp;&nbsp; American Funds Global Growth Fund – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.66%\* | &nbsp;&nbsp; 21.63% | &nbsp;&nbsp; 8.23% | &nbsp;&nbsp; 12.17% |
|  | &nbsp;&nbsp; American Funds Growth Fund – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.59% | &nbsp;&nbsp; 20.23% | &nbsp;&nbsp; 13.37% | &nbsp;&nbsp; 17.97% |
|  | &nbsp;&nbsp; American Funds Growth-Income Fund – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.53% | &nbsp;&nbsp; 18.06% | &nbsp;&nbsp; 13.90% | &nbsp;&nbsp; 13.92% |
|  | &nbsp;&nbsp; Invesco V.I. American Franchise Fund – Series II<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.10% | &nbsp;&nbsp; 11.39% | &nbsp;&nbsp; 10.08% | &nbsp;&nbsp; 14.58% |
|  | &nbsp;&nbsp; Invesco V.I. Comstock Fund – Series II<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 17.14% | &nbsp;&nbsp; 15.14% | &nbsp;&nbsp; 11.67% |

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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; Invesco V.I. Growth and Income Fund – Series II<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 15.30% | &nbsp;&nbsp; 12.56% | &nbsp;&nbsp; 10.46% |
|  | &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; Lord Abbett Mid Cap Stock Portfolio – Class VC<br> *Lord, Abbett & Co. LLC*<br>| &nbsp;&nbsp; 1.15% | &nbsp;&nbsp; 7.05% | &nbsp;&nbsp; 10.15% | &nbsp;&nbsp; 7.97% |
|  | &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 BlackRock Advantage International Portfolio<sup>2</sup> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<sup>2</sup><br>| &nbsp;&nbsp; 0.87%\* | &nbsp;&nbsp; 21.24% | &nbsp;&nbsp; 5.49% | &nbsp;&nbsp; 6.37% |
|  | &nbsp;&nbsp; SA Fidelity Institutional AM Global Equities Portfolio<sup>3</sup> – Class 1<br> *SunAmerica Asset Management, LLC*<br> *FIAM LLC*<sup>3</sup><br>| &nbsp;&nbsp; 0.82%\* | &nbsp;&nbsp; 22.19% | &nbsp;&nbsp; 13.82% | &nbsp;&nbsp; 11.38% |
|  | &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 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 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 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 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 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 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% |

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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.*

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<sup>1</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>2</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>3</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** of 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% |

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**SAMPLE PORTFOLIOS FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017**

**Effective on February 6, 2017, the Sample Portfolios are no longer offered.** 

**If you are currently invested in a Sample Portfolio,** you will remain invested in the same Variable Portfolios and in the same amounts and weights as before the Sample Portfolio was terminated; however, the investment will no longer be considered to be a Sample Portfolio and you may no longer trade into a Sample Portfolio. Any active asset rebalancing or dollar cost averaging programs will continue according to your current allocations on file. The allocations for the Sample Portfolios below are those that were most currently available for this product prior to termination of the program.

**Sample Portfolio Allocations (effective March 31, 2005)** 

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| | | | |
|:---|:---|:---|:---|
| **Variable Portfolios** | **Allocation 1** | **Allocation 2** | **Allocation 3** |
| American Funds Asset Allocation | &nbsp;&nbsp; 15% | &nbsp;&nbsp;&nbsp; 0% | &nbsp;&nbsp;&nbsp; 0% |
| American Funds Global Growth | &nbsp;&nbsp;&nbsp; 8% | &nbsp;&nbsp; 10% | &nbsp;&nbsp; 10% |
| American Funds Growth | &nbsp;&nbsp;&nbsp; 0% | &nbsp;&nbsp; 10% | &nbsp;&nbsp; 12% |
| American Funds Growth-Income | &nbsp;&nbsp; 12% | &nbsp;&nbsp; 10% | &nbsp;&nbsp; 10% |
| Invesco V.I. Comstock Fund | &nbsp;&nbsp;&nbsp; 5% | &nbsp;&nbsp; 10% | &nbsp;&nbsp;&nbsp; 8% |
| Invesco V.I. Growth and Income Fund | &nbsp;&nbsp; 10% | &nbsp;&nbsp; 15% | &nbsp;&nbsp;&nbsp; 8% |
| Lord Abbett Growth and Income | &nbsp;&nbsp;&nbsp; 0% | &nbsp;&nbsp; 10% | &nbsp;&nbsp;&nbsp; 8% |
| Lord Abbett Mid Cap Stock | &nbsp;&nbsp;&nbsp; 0% | &nbsp;&nbsp;&nbsp; 0% | &nbsp;&nbsp; 12% |
| SA AB Growth | &nbsp;&nbsp;&nbsp; 5% | &nbsp;&nbsp; 10% | &nbsp;&nbsp; 12% |
| SA Federated Hermes Corporate Bond | &nbsp;&nbsp; 10% | &nbsp;&nbsp;&nbsp; 5% | &nbsp;&nbsp;&nbsp; 0% |
| SA Franklin BW U.S. Large Cap Value | &nbsp;&nbsp;&nbsp; 5% | &nbsp;&nbsp;&nbsp; 0% | &nbsp;&nbsp; 10% |
| SA Goldman Sachs Government and Quality Bond | &nbsp;&nbsp; 10% | &nbsp;&nbsp;&nbsp; 5% | &nbsp;&nbsp;&nbsp; 0% |
| SA JPMorgan Large Cap Core | &nbsp;&nbsp;&nbsp; 5% | &nbsp;&nbsp;&nbsp; 0% | &nbsp;&nbsp;&nbsp; 0% |
| SA MFS Total Return | &nbsp;&nbsp; 15% | &nbsp;&nbsp; 15% | &nbsp;&nbsp;&nbsp; 0% |
| SA Wellington Capital Appreciation | &nbsp;&nbsp;&nbsp; 0% | &nbsp;&nbsp;&nbsp; 0% | &nbsp;&nbsp; 10% |
| **Total** | 100% | 100% | 100% |

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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: C000124684

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![](g31722img099cd9d41.jpg)

issued by

**AMERICAN GENERAL LIFE INSURANCE COMPANY**

in all states except in New York

In connection with

**VARIABLE ANNUITY ACCOUNT SEVEN**

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

This updating summary prospectus provides updated information about Polaris II A-Class Platinum Series, 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.

**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.

**Gross Purchase Payment** - The money you give us to buy the contract, as well as any additional money you give us to invest in the contract after you own it. Gross Purchase Payments do not reflect the reduction of the sales charge.

**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).

**Separate Account** - A segregated asset account maintained by the Company separately from the Company's General Account. The Separate Account consists of Variable Portfolios or subaccounts, each investing in shares of the Underlying Funds.

**Purchase Payment(s)** - The portion of your Gross Purchase Payments which we invest in your contract. We calculate this amount by deducting the applicable sales charge from your Gross Purchase Payments.

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

**Variable Portfolio(s)** - The variable investment options 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 May 1, 2026. 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>| &nbsp;&nbsp; **Yes.**<br> If your Gross Purchase Payment(s) qualify for the $1,000,000 or more Investment Amount <br> level and are invested for less than 12 months at the time of a withdrawal, you may be <br> assessed a withdrawal charge of up to 0.50%, as a percentage of each Purchase Payment <br> withdrawn.<br> For example, if you were to withdraw $100,000 during a withdrawal charge period, you <br> could be assessed a withdrawal charge of up to $500. This loss will be greater if there are <br> federal and state income taxes or tax-penalties.<br> Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to the <br> annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not <br> yet withdrawn. | &nbsp;&nbsp; **Yes.**<br> If your Gross Purchase Payment(s) qualify for the $1,000,000 or more Investment Amount <br> level and are invested for less than 12 months at the time of a withdrawal, you may be <br> assessed a withdrawal charge of up to 0.50%, as a percentage of each Purchase Payment <br> withdrawn.<br> For example, if you were to withdraw $100,000 during a withdrawal charge period, you <br> could be assessed a withdrawal charge of up to $500. This loss will be greater if there are <br> federal and state income taxes or tax-penalties.<br> Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to the <br> annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not <br> yet withdrawn. | &nbsp;&nbsp; **Yes.**<br> If your Gross Purchase Payment(s) qualify for the $1,000,000 or more Investment Amount <br> level and are invested for less than 12 months at the time of a withdrawal, you may be <br> assessed a withdrawal charge of up to 0.50%, as a percentage of each Purchase Payment <br> withdrawn.<br> For example, if you were to withdraw $100,000 during a withdrawal charge period, you <br> could be assessed a withdrawal charge of up to $500. This loss will be greater if there are <br> federal and state income taxes or tax-penalties.<br> Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to the <br> annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not <br> yet withdrawn. | **Expenses** |
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes**, in addition to withdrawal charges, you may be charged for other transactions such as <br> an Upfront Sales Charge on Purchase Payments, charges for each transfer after 15 transfers <br> in any contract year during the Accumulation Phase and certain tax-related charges on <br> Purchase Payments. | &nbsp;&nbsp; **Yes**, in addition to withdrawal charges, you may be charged for other transactions such as <br> an Upfront Sales Charge on Purchase Payments, charges for each transfer after 15 transfers <br> in any contract year during the Accumulation Phase and certain tax-related charges on <br> Purchase Payments. | &nbsp;&nbsp; **Yes**, in addition to withdrawal charges, you may be charged for other transactions such as <br> an Upfront Sales Charge on Purchase Payments, charges for each transfer after 15 transfers <br> in any contract year during the Accumulation Phase and certain tax-related charges on <br> 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 investment options and optional benefits you choose. Please <br> refer to your contract specifications page for information about the specific fees you will pay <br> each year based on the options you have elected. | &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 investment options and optional benefits you choose. Please <br> refer to your contract specifications page for information about the specific fees you will pay <br> each year based on the options you have elected. | &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 investment options and optional benefits you choose. Please <br> refer to your contract specifications page for information about the specific fees you will pay <br> each year based on the options you have elected. | **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>| 0.85% | 0.85% | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; Investment Options<sup>2</sup> <br>(Underlying Fund fees and expenses)<br>| 0.46% | 1.58% | **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>| 0.25%<sup>3</sup> <br>| 1.10%<sup>4</sup> <br>| **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | &nbsp;&nbsp; <sup>1</sup> As a percentage of the value in the Separate Account.<br> <sup>2</sup> As a percentage of Underlying Fund net assets.<br> <sup>3</sup> As a percentage of the average daily ending net asset value allocated to the Variable <br> Portfolios.<br> <sup>4</sup> As a percentage of the Income Base used to calculate the guaranteed benefit. This <br> represents the maximum charge for the most expensive optional benefit.<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, which could add withdrawal <br> charges that substantially increase costs. | &nbsp;&nbsp; <sup>1</sup> As a percentage of the value in the Separate Account.<br> <sup>2</sup> As a percentage of Underlying Fund net assets.<br> <sup>3</sup> As a percentage of the average daily ending net asset value allocated to the Variable <br> Portfolios.<br> <sup>4</sup> As a percentage of the Income Base used to calculate the guaranteed benefit. This <br> represents the maximum charge for the most expensive optional benefit.<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, which could add withdrawal <br> charges that substantially increase costs. | &nbsp;&nbsp; <sup>1</sup> As a percentage of the value in the Separate Account.<br> <sup>2</sup> As a percentage of Underlying Fund net assets.<br> <sup>3</sup> As a percentage of the average daily ending net asset value allocated to the Variable <br> Portfolios.<br> <sup>4</sup> As a percentage of the Income Base used to calculate the guaranteed benefit. This <br> represents the maximum charge for the most expensive optional benefit.<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, which could add withdrawal <br> charges that substantially increase costs. | **Expenses** |
| **Are There** <br> **Ongoing Fees and** <br> **Expenses?** | **Lowest Annual Cost: $1,490** | **Highest Annual Cost: $3,302** | **Highest Annual Cost: $3,302** | **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 withdrawal charges<br> •No additional Purchase Payments, <br> transfers, or withdrawals<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 withdrawal charges<br> •No additional Purchase Payments, <br> transfers, or withdrawals | &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 withdrawal charges<br> •No additional Purchase Payments, <br> transfers, or withdrawals | **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> •Charges may apply to withdrawals. Withdrawal charges could significantly reduce the <br> value of your investment or the amount that you receive upon taking a withdrawal. <br> Withdrawals may also 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** |
|  | **RESTRICTIONS** |  |
| **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 Account, 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. We reserve the right to modify the investment requirements in <br> the future. If you do not elect any optional benefit, or if the only optional benefit you elect <br> is a death benefit, your contract is not subject to investment 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. | &nbsp;&nbsp; **Investment** <br> **Options**<br>|

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| | | |
|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<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. | &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.<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** |
|  | **CONFLICTS OF INTEREST** |  |
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Your financial representative may receive compensation for selling this contract to you in the <br> form of commissions, additional cash compensation, and/or non-cash compensation. We may <br> share the revenue we earn on this contract with your financial representative's firm. <br> Revenue sharing arrangements and commissions may provide selling firms and/or their <br> registered representatives with an incentive to favor sales of our contracts over other <br> variable annuity contracts (or other investments) with respect to which a selling firm does <br> not receive the same level of additional compensation. You should ask your financial <br> representative about how they are compensated. | &nbsp;&nbsp; **Payments in** <br> **Connection with** <br> **Distribution of the** <br> **Contract** |
| **Should I** <br> **Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some financial representatives may have a financial incentive to offer you a new contract in <br> place of the one you already own. You should exchange a contract you already own only if <br> you determine, after comparing the features, fees, and risks of both contracts, that it is <br> better for you to purchase the new contract rather than continue to own your existing <br> 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.

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

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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; American Funds Asset Allocation Fund – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.54% | &nbsp;&nbsp; 15.85% | &nbsp;&nbsp; 8.97% | &nbsp;&nbsp; 9.77% |
|  | &nbsp;&nbsp; Franklin Allocation VIP Fund – Class 2<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.82%\* | &nbsp;&nbsp; 12.60% | &nbsp;&nbsp; 5.73% | &nbsp;&nbsp; 7.32% |
|  | &nbsp;&nbsp; Franklin Income VIP Fund – Class 2<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.72% | &nbsp;&nbsp; 12.56% | &nbsp;&nbsp; 7.66% | &nbsp;&nbsp; 7.30% |
|  | &nbsp;&nbsp; SA JPMorgan Diversified Balanced Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.99%\* | &nbsp;&nbsp; 12.65% | &nbsp;&nbsp; 5.80% | &nbsp;&nbsp; 7.27% |
|  | &nbsp;&nbsp; SA MFS Total Return Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.96% | &nbsp;&nbsp; 10.69% | &nbsp;&nbsp; 6.03% | &nbsp;&nbsp; 7.26% |
| **Bond** | &nbsp;&nbsp; SA American Century Inflation Managed Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *American Century Investment Management, Inc.*<br>| &nbsp;&nbsp; 0.85% | &nbsp;&nbsp; 6.21% | &nbsp;&nbsp; 0.63% | &nbsp;&nbsp; 2.06% |
|  | &nbsp;&nbsp; SA Federated Hermes Corporate Bond Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Federated Investment Management Company*<br>| &nbsp;&nbsp; 0.80% | &nbsp;&nbsp; 6.78% | &nbsp;&nbsp; 0.15% | &nbsp;&nbsp; 3.46% |
|  | &nbsp;&nbsp; SA Goldman Sachs Government and Quality Bond Portfolio<sup>1</sup> <br> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Goldman Sachs Asset Management L.P.*<sup>1</sup><br>| &nbsp;&nbsp; 0.84% | &nbsp;&nbsp; 6.31% | &nbsp;&nbsp; -1.02% | &nbsp;&nbsp; 1.21% |
|  | &nbsp;&nbsp; SA JPMorgan MFS Core Bond Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc. and Massachusetts* <br> *Financial Services Company*<br>| &nbsp;&nbsp; 0.78%\* | &nbsp;&nbsp; 6.98% | &nbsp;&nbsp; -0.17% | &nbsp;&nbsp; 2.19% |
|  | &nbsp;&nbsp; SA JPMorgan Ultra-Short Bond Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.80% | &nbsp;&nbsp; 4.39% | &nbsp;&nbsp; 2.20% | &nbsp;&nbsp; 1.45% |
|  | &nbsp;&nbsp; SA PIMCO Global Bond Opportunities Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 1.18%\* | &nbsp;&nbsp; 8.72% | &nbsp;&nbsp; -3.61% | &nbsp;&nbsp; 0.35% |
|  | &nbsp;&nbsp; SA PineBridge High-Yield Bond Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *PineBridge Investments, LLC*<br>| &nbsp;&nbsp; 1.01% | &nbsp;&nbsp; 8.16% | &nbsp;&nbsp; 5.05% | &nbsp;&nbsp; 6.94% |
| **Cash** | &nbsp;&nbsp; Goldman Sachs VIT Government Money Market Fund – Service <br> Shares<br> *Goldman Sachs Asset Management, L.P.*<br>| &nbsp;&nbsp; 0.43%\* | &nbsp;&nbsp; 3.94% | &nbsp;&nbsp; 2.98% | &nbsp;&nbsp; 1.90% |
| **Stock** | &nbsp;&nbsp; American Funds Global Growth Fund – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.66%\* | &nbsp;&nbsp; 21.63% | &nbsp;&nbsp; 8.23% | &nbsp;&nbsp; 12.17% |

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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; American Funds Growth Fund – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.59% | &nbsp;&nbsp; 20.23% | &nbsp;&nbsp; 13.37% | &nbsp;&nbsp; 17.97% |
|  | &nbsp;&nbsp; American Funds Growth-Income Fund – Class 2<br> *Capital Research and Management Company*<br>| &nbsp;&nbsp; 0.53% | &nbsp;&nbsp; 18.06% | &nbsp;&nbsp; 13.90% | &nbsp;&nbsp; 13.92% |
|  | &nbsp;&nbsp; Invesco V.I. American Franchise Fund – Series II<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.10% | &nbsp;&nbsp; 11.39% | &nbsp;&nbsp; 10.08% | &nbsp;&nbsp; 14.58% |
|  | &nbsp;&nbsp; Invesco V.I. Comstock Fund – Series II<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 17.14% | &nbsp;&nbsp; 15.14% | &nbsp;&nbsp; 11.67% |
|  | &nbsp;&nbsp; Invesco V.I. Growth and Income Fund – Series II<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.00% | &nbsp;&nbsp; 15.30% | &nbsp;&nbsp; 12.56% | &nbsp;&nbsp; 10.46% |
|  | &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; Lord Abbett Mid Cap Stock Portfolio – Class VC<br> *Lord, Abbett & Co. LLC*<br>| &nbsp;&nbsp; 1.15% | &nbsp;&nbsp; 7.05% | &nbsp;&nbsp; 10.15% | &nbsp;&nbsp; 7.97% |
|  | &nbsp;&nbsp; SA AB Growth Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 0.88% | &nbsp;&nbsp; 12.79% | &nbsp;&nbsp; 11.67% | &nbsp;&nbsp; 15.85% |
|  | &nbsp;&nbsp; SA AB Small & Mid Cap Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp; 1.16%\* | &nbsp;&nbsp; 2.32% | &nbsp;&nbsp; 8.36% | &nbsp;&nbsp; 8.27% |
|  | &nbsp;&nbsp; SA BlackRock Advantage International Portfolio<sup>2</sup> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *BlackRock Investment Management, LLC*<sup>2</sup><br>| &nbsp;&nbsp; 1.12%\* | &nbsp;&nbsp; 20.99% | &nbsp;&nbsp; 5.23% | &nbsp;&nbsp; 6.11% |
|  | &nbsp;&nbsp; SA Fidelity Institutional AM Global Equities Portfolio<sup>3</sup> – Class 3<br> *SunAmerica Asset Management, LLC*<br> *FIAM LLC*<sup>3</sup><br>| &nbsp;&nbsp; 1.07%\* | &nbsp;&nbsp; 21.87% | &nbsp;&nbsp; 13.53% | &nbsp;&nbsp; 11.10% |
|  | &nbsp;&nbsp; SA Fidelity Institutional AM Real Estate Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *FIAM LLC*<br>| &nbsp;&nbsp; 1.10% | &nbsp;&nbsp; 1.25% | &nbsp;&nbsp; 4.65% | &nbsp;&nbsp; 5.18% |
|  | &nbsp;&nbsp; SA Franklin BW U.S. Large Cap Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Brandywine Global Investment Management, LLC*<br>| &nbsp;&nbsp; 0.95%\* | &nbsp;&nbsp; 16.83% | &nbsp;&nbsp; 13.57% | &nbsp;&nbsp; 11.32% |
|  | &nbsp;&nbsp; SA Franklin Small Company Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Franklin Mutual Advisers, LLC*<br>| &nbsp;&nbsp; 1.25%\* | &nbsp;&nbsp; 6.14% | &nbsp;&nbsp; 8.32% | &nbsp;&nbsp; 9.41% |
|  | &nbsp;&nbsp; SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp; 0.89% | &nbsp;&nbsp; 16.68% | &nbsp;&nbsp; 11.52% | &nbsp;&nbsp; 12.31% |
|  | &nbsp;&nbsp; SA Invesco Growth Opportunities Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp; 1.07% | &nbsp;&nbsp; 5.92% | &nbsp;&nbsp; -0.96% | &nbsp;&nbsp; 8.86% |
|  | &nbsp;&nbsp; SA Janus Focused Growth Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Janus Capital Management, LLC*<br>| &nbsp;&nbsp; 1.05%\* | &nbsp;&nbsp; 18.04% | &nbsp;&nbsp; 11.40% | &nbsp;&nbsp; 15.34% |
|  | &nbsp;&nbsp; SA JPMorgan Emerging Markets Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 1.41%\* | &nbsp;&nbsp; 36.00% | &nbsp;&nbsp; 4.37% | &nbsp;&nbsp; 8.15% |
|  | &nbsp;&nbsp; SA JPMorgan Equity-Income Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.84% | &nbsp;&nbsp; 14.31% | &nbsp;&nbsp; 10.52% | &nbsp;&nbsp; 10.81% |
|  | &nbsp;&nbsp; SA JPMorgan Large Cap Core Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 0.94%\* | &nbsp;&nbsp; 14.15% | &nbsp;&nbsp; 12.71% | &nbsp;&nbsp; 12.44% |
|  | &nbsp;&nbsp; SA JPMorgan Mid-Cap Growth Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *J.P. Morgan Investment Management Inc.*<br>| &nbsp;&nbsp; 1.02%\* | &nbsp;&nbsp; 7.86% | &nbsp;&nbsp; 3.99% | &nbsp;&nbsp; 11.89% |

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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 MFS Large Cap Growth Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.93% | &nbsp;&nbsp; 16.39% | &nbsp;&nbsp; 14.85% | &nbsp;&nbsp; 15.87% |
|  | &nbsp;&nbsp; SA MFS Massachusetts Investors Trust Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp; 0.95%\* | &nbsp;&nbsp; 13.52% | &nbsp;&nbsp; 11.20% | &nbsp;&nbsp; 12.37% |
|  | &nbsp;&nbsp; SA PIMCO RAE International Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Pacific Investment Management Company, LLC*<br>| &nbsp;&nbsp; 1.09%\* | &nbsp;&nbsp; 35.91% | &nbsp;&nbsp; 10.00% | &nbsp;&nbsp; 5.99% |
|  | &nbsp;&nbsp; SA Putnam International Value Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Putnam Investment Management, LLC*<br>| &nbsp;&nbsp; 1.18%\* | &nbsp;&nbsp; 34.95% | &nbsp;&nbsp; 12.59% | &nbsp;&nbsp; 8.79% |
|  | &nbsp;&nbsp; SA Wellington Capital Appreciation Portfolio – Class 3<br> *SunAmerica Asset Management, LLC*<br> *Wellington Management Company LLP*<br>| &nbsp;&nbsp; 0.98% | &nbsp;&nbsp; 14.26% | &nbsp;&nbsp; 8.54% | &nbsp;&nbsp; 15.75% |

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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>

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>2</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>3</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** of 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, 2-Year | 1% |

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**INVESTMENT REQUIREMENTS FOR OPTIONAL LIVING BENEFITS**

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

This section contains the investment requirements for the following optional Living Benefits:

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock Income Plus

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock For Life Plus

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock Income Plus (Extensions)

&nbsp;&nbsp;&nbsp;&nbsp;• MarketLock For Life Plus (Extensions)

**MarketLock Income Plus**

If you elected the optional MarketLock Income Plus Living Benefit, you must allocate your investments in one of three ways:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Invest 100% in the SA JPMorgan Ultra-Short Bond

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Invest 100% in the Balanced Growth & Income Sample Portfolio\* or in Allocation A, B or C\*\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Invest 100% in one or a combination of the following Variable Portfolios: American Funds Asset Allocation, SA JPMorgan Diversified Balanced, Franklin Income VIP Fund, Franklin Allocation VIP Fund and SA MFS Total Return

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\*

As of June 25, 2012, the Balanced Growth & Income Sample Portfolio is no longer available as an investment option for Purchase Payments or transfers. However, if you are currently invested in the Balanced Growth & Income Sample Portfolio, your investment will not be changed by us.

\*\*

Please see POLARIS PORTFOLIO PROGRAM AND SAMPLE PORTFOLIOS FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.

**MarketLock for Life Plus**

If you elected the optional MarketLock For Life Plus Living Benefit, you must allocate your investments in one of three ways or if using a DCA Fixed Account, by indicating your target allocations in one of four ways:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Invest 100% in the SA JPMorgan Ultra-Short Bond

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Invest 100% in the Balanced Growth & Income Sample Portfolio\* or in Allocation A, B or C\*\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Invest 100% in one or a combination of the following Variable Portfolios: American Funds Asset Allocation, Franklin Income VIP Fund, Franklin Allocation VIP Fund, SA JPMorgan Diversified Balanced and SA MFS Total Return

\*

As of June 25, 2012, the Balanced Growth & Income Sample Portfolio is no longer available as an investment option for Purchase Payments or transfers. However, if you are currently invested in the Balanced Growth & Income Sample Portfolio, your investment will not be changed by us.

\*\*

Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM AND SAMPLE PORTFOLIOS FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for allocations for the formerly available Polaris Portfolio Allocator Models.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Invest in accordance with the requirements outlined in the table below:

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

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| | | |
|:---|:---|:---|
| **Investment**<br> **Group**<br>| **Investment**<br> **Requirement**<br>| **Variable Portfolios**<br> **and/or Fixed Accounts**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; A. Bond, Cash <br> and Fixed <br> Accounts<br>| Minimum 20% <br> Maximum 100%<br>| SA American Century Managed <br> Protection<br> SA Federated Hermes Corporate <br> Bond<br> SA Goldman Sachs Government <br> and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA JPMorgan Ultra-Short Bond<br> SA PIMCO Global Bond <br> Opportunities<br> **DCA Fixed Accounts**<br> 6-Month DCA<br> 1-Year DCA<br> 2-Year DCA<br> **Fixed Accounts**<br> 1-Year Fixed (if available)<br>|

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| | | |
|:---|:---|:---|
| **Investment**<br> **Group**<br>| **Investment**<br> **Requirement**<br>| **Variable Portfolios**<br> **and/or Fixed Accounts**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; B. Equity <br> Maximum<br>| Minimum 0% <br> Maximum 80%<br>| American Funds Asset <br> Allocation<br> American Funds Global Growth<br> American Funds Growth<br> American Funds Growth-Income<br> Franklin Allocation VIP Fund<br> Franklin Income VIP Fund<br> Invesco V.I. American Franchise <br> Fund<br> Invesco V.I. Comstock Fund<br> Invesco V.I. Growth and Income <br> Fund<br> Lord Abbett Growth and Income<br> Lord Abbett Mid Cap Stock<br> SA AB Growth<br> SA AB Small & Mid Cap Value<br> SA BlackRock Advantage <br> International<br> SA Fidelity Institutional AM <br> Global Equities<br> SA Franklin BW U.S. Large <br> Cap Value<br> SA Franklin Systematic <br> U.S. Large Cap Value<br> SA Janus Focused Growth<br> SA JPMorgan Diversified <br> Balanced<br> SA JPMorgan Equity-Income<br> SA JPMorgan Large Cap Core<br> SA JPMorgan Mid-Cap Growth <br> SA MFS Large Cap Growth<br> SA MFS Massachusetts <br> Investors Trust<br> SA MFS Total Return<br> SA PineBridge High-Yield Bond<br> SA PIMCO RAE International <br> Value<br> SA Putnam International Value<br> SA Wellington Capital <br> Appreciation<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; C. Limited <br> Equity<br>| Minimum 0% <br> Maximum 20%<br>| SA Fidelity Institutional AM<sup>®</sup> <br> Real Estate<br> SA Franklin Small Company <br> Value<br> SA Invesco Growth <br> Opportunities<br> SA JPMorgan Emerging <br> Markets<br>|

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**MARKETLOCK Income plus EXTENSIONs**

If you purchased a contract between **May 1, 2008 and May 3, 2009** and you elected the **MarketLock Income Plus** living benefit, and have elected the first, second, and third Extensions, your assets must remain allocated in one of the following options:

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| | |
|:---|:---|
| Option 1 | 100% to one or more of the following portfolios:<br> American Funds Asset Allocation<br> Franklin Allocation VIP Fund<br> Franklin Income VIP Fund<br> SA JPMorgan Diversified Balanced<br> SA MFS Total Return<br>|
| Option 2 | 100% in one of the following:<br> Allocation A\*<br> Allocation B\*<br> \* Please see POLARIS PORTFOLIO ALLOCATOR <br> PROGRAM AND SAMPLE PORTFOLIOS FOR <br> CONTRACTS ISSUED PRIOR TO FEBRUARY 6, <br> 2017 later in this Appendix for the allocations for the <br> formerly available Polaris Portfolio Allocator Models.<br>|

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**MARKETLOCK FOR LIFE PLUS EXTENSIONS** 

If you purchased a contract between **February 11, 2008 and May 3, 2009** and you elected the MarketLock For Life Plus Living Benefit, and have elected the first and second Extensions, you must allocate your assets in accordance with one of the following three options:

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| | |
|:---|:---|
| Option 1 | **100% in one or more of the following Variable** <br> **Portfolios:**<br> American Funds Asset Allocation <br> Franklin Allocation VIP Fund<br> Franklin Income VIP Fund<br> SA JPMorgan Diversified Balanced<br> SA MFS Total Return<br>|
| Option 2 | &nbsp;&nbsp;&nbsp;&nbsp; **100% in either Allocation A\* or Allocation B\***<br> \*Please see POLARIS PORTFOLIO ALLOCATOR <br> PROGRAM AND SAMPLE PORTFOLIOS FOR <br> CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 <br> later in this Appendix for the allocations for the formerly <br> available Polaris Portfolio Allocator Models.<br>|
| Option 3 | **100% in accordance with the requirements outlined** <br> **in the table below:**<br>|

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

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| | | |
|:---|:---|:---|
| **Investment** <br> **Group**<br>| **Investment** <br> **Requirement**<br>| **Variable Portfolios**<br> **and/or Fixed Accounts**<br>|
| **A. Bond, Cash** <br> **and Fixed** <br> **Accounts**<br>| Minimum 20%<br> Maximum 100%<br>| SA American Century Managed <br> Protection<br> SA Federated Hermes Corporate <br> Bond<br> SA Goldman Sachs Government <br> and Quality Bond<br> SA JPMorgan MFS Core Bond<br> SA JPMorgan Ultra-Short Bond<br> SA PIMCO Global Bond <br> Opportunities<br> **Fixed Accounts**<br> 1-Year Fixed (if available)<br>|
| **B. Equity** <br> **Maximum**<br>| Minimum 0%<br> Maximum 80%<br>| American Funds Asset <br> Allocation<br> American Funds Global Growth<br> American Funds Growth <br> American Funds Growth-Income<br> Franklin Allocation VIP Fund<br> Franklin Income VIP Fund<br> Invesco V.I. American Franchise <br> Fund<br> Invesco V.I. Comstock Fund<br> Invesco V.I. Growth and Income <br> Fund<br> Lord Abbett Growth and Income<br> Lord Abbett Mid Cap Stock<br> SA AB Growth<br> SA AB Small & Mid Cap Value<br> SA BlackRock Advantage <br> International<br> SA Fidelity Institutional AM <br> Global Equities<br> SA Franklin BW U.S. Large <br> Cap Value<br> SA Franklin Systematic <br> U.S. Large Cap Value<br> SA Janus Focused Growth<br> SA JPMorgan Diversified <br> Balanced<br> SA JPMorgan Equity-Income<br> SA JPMorgan Large Cap Core<br> SA JPMorgan Mid-Cap Growth<br> SA MFS Large Cap Growth<br> SA MFS Massachusetts <br> Investors Trust<br> SA MFS Total Return<br> SA PIMCO RAE International <br> Value<br> SA PineBridge High-Yield Bond <br> Portfolio<br> SA Putnam International Value<br> SA Wellington Capital <br> Appreciation<br>|
| **C. Limited** <br> **Equity**<br>| Minimum 0%<br> Maximum 20%<br>| SA Fidelity Institutional AM<sup>®</sup> <br> Real Estate<br> SA Franklin Small Company <br> Value<br> SA Invesco Growth <br> Opportunities<br> SA JPMorgan Emerging <br> Markets<br>|

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**POLARIS PORTFOLIO ALLOCATOR PROGRAM AND SAMPLE PORTFOLIOS FOR CONTRACTS iSSUED PRIOR TO FEBRUARY 6, 2017**

**Effective on February 6, 2017, the Polaris Portfolio Allocator Program and Sample Portfolios are no longer offered and we will no longer update the Polaris Portfolio Allocator Models on an annual basis.**

**If you are currently invested in a Polaris Portfolio Allocator Model,** you will remain invested in the same Variable Portfolios and in the same amounts and weights as before the Polaris Portfolio Allocator Program was terminated; however, the investment will no longer be considered to be a Polaris Portfolio Allocator Model and you may no longer trade into a Polaris Portfolio Allocator Model. Any active asset rebalancing or dollar cost averaging programs will continue according to your current allocations on file.

**If you are currently invested in a Sample Portfolio,** you will remain invested in the same Variable Portfolios and in the same amounts and weights as before the Sample Portfolio was terminated; however, the investment will no longer be considered to be a Sample Portfolio and you may no longer trade into any other Sample Portfolio Any active asset rebalancing or dollar cost averaging programs will continue according to your current allocations on file.

**Additionally, if you elected a Living Benefit which allowed Polaris Portfolio Allocator Models or Sample Portfolio as part of the investment requirements,** you may trade out of your allocation at any time into any investment that meets your Living Benefit's investment requirements, including the asset allocation of the Variable Portfolios listed in the tables below ("Allocations" and "Sample Allocations"). After the termination effective date, only the asset allocation of the Variable Portfolios of your current model/portfolio or the Allocations/Sample Allocations below will meet the investment requirements for Living Benefits which previously allowed Polaris Portfolio Allocator Models or Sample Portfolios.

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**Allocations (effective February 6, 2017)** 

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| | | | |
|:---|:---|:---|:---|
| **Variable Portfolios** | **Allocation A** | **Allocation B** | **Allocation C** |
| American Funds Global Growth | &nbsp;&nbsp; 2.0% | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 4.0% |
| American Funds Growth-Income | &nbsp;&nbsp; 0.0% | &nbsp;&nbsp; 0.0% | &nbsp;&nbsp; 1.0% |
| Invesco V.I. Comstock Fund | &nbsp;&nbsp; 5.0% | &nbsp;&nbsp; 5.0% | &nbsp;&nbsp; 6.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; Invesco V.I. Growth and Income <br> Fund<br>| &nbsp;&nbsp; 6.0% | &nbsp;&nbsp; 7.0% | &nbsp;&nbsp; 8.0% |
| SA AB Growth | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 4.0% | &nbsp;&nbsp; 4.0% |
| SA AB Small & Mid Cap Value | &nbsp;&nbsp; 1.0% | &nbsp;&nbsp; 1.0% | &nbsp;&nbsp; 1.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA American Century Managed <br> Protection<br>| &nbsp;&nbsp; 5.0% | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 2.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA BlackRock Advantage <br> International<br>| &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 4.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA Federated Hermes Corporate <br> Bond<br>| 10.0% | &nbsp;&nbsp; 8.0% | &nbsp;&nbsp; 7.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA Fidelity Institutional AM<sup>®</sup> Real <br> Estate<br>| &nbsp;&nbsp; 0.0% | &nbsp;&nbsp; 0.0% | &nbsp;&nbsp; 0.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA Franklin BW U.S. Large Cap <br> Value<br>| &nbsp;&nbsp; 4.0% | &nbsp;&nbsp; 4.0% | &nbsp;&nbsp; 4.0% |
| SA Franklin Small Company Value | &nbsp;&nbsp; 0.0% | &nbsp;&nbsp; 2.0% | &nbsp;&nbsp; 2.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA Franklin Systematic U.S. Large <br> Cap Value<br>| &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 3.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA Goldman Sachs Government and <br> Quality Bond<br>| &nbsp;&nbsp; 8.0% | &nbsp;&nbsp; 8.0% | &nbsp;&nbsp; 7.0% |
| SA Janus Focused Growth | &nbsp;&nbsp; 0.0% | &nbsp;&nbsp; 1.0% | &nbsp;&nbsp; 1.0% |
| SA JPMorgan Emerging Markets | &nbsp;&nbsp; 0.0% | &nbsp;&nbsp; 1.0% | &nbsp;&nbsp; 2.0% |
| SA JPMorgan Equity-Income | &nbsp;&nbsp; 6.0% | &nbsp;&nbsp; 7.0% | &nbsp;&nbsp; 8.0% |
| SA JPMorgan Large Cap Core | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 4.0% | &nbsp;&nbsp; 4.0% |
| SA JPMorgan MFS Core Bond | 17.0% | 13.0% | 10.0% |
| SA JPMorgan Ultra-Short Bond | &nbsp;&nbsp; 2.0% | &nbsp;&nbsp; 1.0% | &nbsp;&nbsp; 0.0% |
| SA MFS Large Cap Growth | &nbsp;&nbsp; 2.0% | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 4.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA MFS Massachusetts Investors <br> Trust<br>| &nbsp;&nbsp; 6.0% | &nbsp;&nbsp; 6.0% | &nbsp;&nbsp; 7.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA PIMCO Global Bond <br> Opportunities<br>| &nbsp;&nbsp; 4.0% | &nbsp;&nbsp; 4.0% | &nbsp;&nbsp; 2.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA PIMCO RAE International <br> Value<br>| &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 3.0% |
| SA PineBridge High-Yield Bond | &nbsp;&nbsp; 4.0% | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 2.0% |
| SA Wellington Capital Appreciation | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 4.0% |
| **Total** | 100% | 100% | 100% |

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**Sample Allocations (effective February 11, 2013)** 

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| | | | |
|:---|:---|:---|:---|
| **Variable Portfolios** | **Balanced**<br> **Toward**<br> **Growth**<br> **Allocation**<br>| **Growth**<br> **Focus**<br> **Allocation**<br>| **All Equity**<br> **Focus**<br> **Allocation**<br>|
| American Funds Global Growth  | 12.0% | 12.0% | 17.0% |
| American Funds Growth-Income | &nbsp;&nbsp; 9.0% | 10.0% | 10.0% |
| Invesco V.I. Comstock Fund | &nbsp;&nbsp; 6.0% | 10.0% | 13.0% |
| Invesco V.I. Growth and Income Fund | &nbsp;&nbsp; 5.0% | 10.0% | 12.0% |
| SA Federated Hermes Corporate Bond | &nbsp;&nbsp; 5.0% | &nbsp;&nbsp; 0.0% | &nbsp;&nbsp; 0.0% |
| &nbsp;&nbsp;&nbsp;&nbsp; SA Goldman Sachs Government and <br> Quality Bond<br>| 25.0% | 20.0% | &nbsp;&nbsp; 0.0% |
| SA Invesco Growth Opportunities | &nbsp;&nbsp; 3.0% | &nbsp;&nbsp; 5.0% | &nbsp;&nbsp; 6.0% |
| SA MFS Massachusetts Investors Trust | &nbsp;&nbsp; 7.0% | 10.0% | 14.0% |
| SA MFS Total Return | 13.0% | &nbsp;&nbsp; 0.0% | &nbsp;&nbsp; 0.0% |
| SA Multi-Managed Mid Cap Growth | &nbsp;&nbsp; 4.0% | &nbsp;&nbsp; 8.0% | 10.0% |
| SA PIMCO RAE International Value | 11.0% | 15.0% | 18.0% |
| **Total** | 100% | 100% | 100% |

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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 Identifiers: C000124661, C000124685

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