# EDGAR Filing Document

**Accession Number:** 0000948972
**File Stem:** 0000948972-26-000070
**Filing Date:** 2026-5
**Character Count:** 149648
**Document Hash:** 04a8cf65e013efdd0a6ebaf7af0d200d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000948972-26-000070.hdr.sgml**: 20260505

**ACCESSION NUMBER**: 0000948972-26-000070

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260505

**DATE AS OF CHANGE**: 20260505

**EFFECTIVENESS DATE**: 20260505

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000948972

**ORGANIZATION NAME:**
- **EIN:** 440308260
- **STATE OF INCORPORATION:** MO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-150926
- **FILM NUMBER:** 26941069

**BUSINESS ADDRESS:**
- **STREET 1:** 3520 BROADWAY
- **STREET 2:** C/O KANSAS CITY LIFE INSURANCE CO
- **CITY:** KANSAS CITY
- **STATE:** MO
- **ZIP:** 64111
- **BUSINESS PHONE:** 8167537000

**MAIL ADDRESS:**
- **STREET 1:** C/O KANSAS CITY LIFE INSURANCE CO
- **STREET 2:** 3520 BROADWAY
- **CITY:** KANSAS CITY
- **STATE:** MO
- **ZIP:** 64111

## Series and Classes Contracts Data

### KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT (Series ID: S000009143)

| Class ID   | Class Name                                               | Ticker Symbol   |
|:---|:---|:---|
| C000024867 | Century II Variable Universal Life                       |  |
| C000024868 | Century II Alliance Variable Universal Life              |  |
| C000024869 | Century II Survivorship Variable Universal Life          |  |
| C000024870 | Century II Heritage Survivorship Variable Universal Life |  |
| C000066427 | Century II Accumulator Variable Universal Life           |  |

#### CENTURY II ACCUMULATOR VARIABLE UNIVERSAL LIFE SUMMARY PROSPECTUS FOR NEW INVESTORS

#### Individual Flexible Premium Variable Life Insurance Contract

#### KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT OF
**KANSAS CITY LIFE INSURANCE COMPANY** 

---

| | |
|:---|:---|
| **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Street Address:**  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Send correspondence to:**  |
| **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3520 Broadway**  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Variable Administration**  |
| **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Kansas City, Missouri 64111-2565**  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; P.O. Box 219364**  |
| **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Telephone (816) 753-7000**  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Kansas City, Missouri 64121-9364**  |
|  | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Telephone (800) 616-3670**  |

---

This Summary Prospectus describes key features of the Century II Accumulator Variable Universal Life Insurance Contract (the "Contract"), an individual flexible premium variable life insurance contract offered by Kansas City Life Insurance Company ("Kansas City Life" or the "Company"). Before you invest, you should also review the prospectus for the Contract, which contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the Contract online at vpx.broadridge.com/GetContract1.asp?doctype=pros&cid=kcl&fid=NRVA04497. You can also obtain this information at no cost by calling 1-800-616-3670 or by sending an email request to statecompliance@kclife.com.

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

**You may cancel your Contract within 10 days of receiving it without paying fees or penalties. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total contract value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.** 

**This Prospectus and the accompanying Fund prospectuses provide important information you should have before deciding to purchase a Contract. Please keep these for future reference.**

**The Subaccounts and the Fixed Account are not deposits or obligations of, or guaranteed or endorsed by, any bank, nor are federally insured by the Federal Deposit Insurance Corporation or any other government agency.** 

**The Securities and Exchange Commission has not approved or disapproved these securities or passed upon the accuracy or adequacy of this Prospectus. Any representation to the contrary is a criminal offense.** 

**The date of this Prospectus is May 1, 2026.**

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**SUMMARY PROSPECTUS CONTENTS**

---

| | |
|:---|:---|
| **[Important Information You Should Consider About the Contract](#_Toc197262964)** | **[1](#_Toc197262964)** |
| **[Overview of the Contract](#_Toc197262965)** | **[3](#_Toc197262965)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Purpose](#_Toc197262966) | [3](#_Toc197262966) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Premium payments](#_Toc197262967) | [3](#_Toc197262967) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Contract Features](#_Toc197262968) | [3](#_Toc197262968) |
| **[STANDARD DEATH BENEFITS](#_Toc197262969)** | **[4](#_Toc197262969)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[AMOUNT OF DEATH PROCEEDS](#_Toc197262970) | [5](#_Toc197262970) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[COVERAGE OPTIONS](#_Toc197262971) | [5](#_Toc197262971) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[INITIAL SPECIFIED AMOUNT AND COVERAGE OPTION](#_Toc197262972) | [5](#_Toc197262972) |
| **[ADDITIONAL INFORMATION ABOUT STANDARD DEATH BENEFITS](#_Toc197262973)** | **[5](#_Toc197262973)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[CHANGES IN COVERAGE OPTION](#_Toc197262974) | [5](#_Toc197262974) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[CHANGES IN SPECIFIED AMOUNT](#_Toc197262975) | [6](#_Toc197262975) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[SELECTING AND CHANGING THE BENEFICIARY](#_Toc197262976) | [6](#_Toc197262976) |
| **[OTHER BENEFITS AVAILABLE UNDER THE CONTRACT](#_Toc197262977)** | **[6](#_Toc197262977)** |
| **[BUYING THE CONTRACT](#_Toc197262978)** | **[7](#_Toc197262978)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[PURCHASE PROCEDURES](#_Toc197262979) | [7](#_Toc197262979) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[PREMIUM AMOUNT](#_Toc197262980) | [7](#_Toc197262980) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[PREMIUM DUE DATES](#_Toc197262981) | [8](#_Toc197262981) |
| **[HOW YOUR CONTRACT CAN LAPSE](#_Toc197262982)** | **[8](#_Toc197262982)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[LAPSE](#_Toc197262983) | [8](#_Toc197262983) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[REINSTATEMENT](#_Toc197262984) | [8](#_Toc197262984) |
| **[MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#_Toc197262985)** | **[8](#_Toc197262985)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[SURRENDERS AND WITHDRAWALS](#_Toc197262986) | [8](#_Toc197262986) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[PARTIAL SURRENDERS](#_Toc197262987) | [8](#_Toc197262987) |
| **[ADDITIONAL INFORMATION ABOUT FeeS](#_Toc197262988)** | **[9](#_Toc197262988)** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Annual Portfolio Operating Expenses](#_Toc197262989) | [11](#_Toc197262989) |
| **[DEFINITIONS](#_Toc197262990)** | **[12](#_Toc197262990)** |
| **[APPENDIX A – PORTFOLIO COMPANIES AVAILABLE UNDER THE CONTRACT](#_Toc197262991)** | **[15](#_Toc197262991)** |

---

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

---

| | | | |
|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| ***CHARGES FOR EARLY*** <br> ***WITHDRAWALS***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Upon complete surrender or lapse of a Contract issued on or after January 1, 2020, during the first 10 Contract Years (or 10 years following an increase in the Specified Amount) a surrender charge will be deducted. No surrender charge applies in the 11th Contract Year for Contracts issued on or after January 1, 2020 (or the 11th year following an increase in the Specified Amount). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Upon complete surrender or lapse of a Contract issued before January 1, 2020, during the first 15 Contract years (or 15 years after an increase in the Specified Amount), a surrender charge will be deducted. No surrender charge applies in the 16th Contract Year for Contracts issued before January 1, 2020 (or the 16th year following an increase in the Specified Amount). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The maximum surrender charge is up to 4.8% of the Specified Amount. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For example, the full surrender or lapse of a Contract with a Specified Amount of $100,000 could be subject to a maximum surrender charge of $4,800. <br> *Reference Fee Table and Charges and Deductions - Surrender Charge.* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Upon complete surrender or lapse of a Contract issued on or after January 1, 2020, during the first 10 Contract Years (or 10 years following an increase in the Specified Amount) a surrender charge will be deducted. No surrender charge applies in the 11th Contract Year for Contracts issued on or after January 1, 2020 (or the 11th year following an increase in the Specified Amount). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Upon complete surrender or lapse of a Contract issued before January 1, 2020, during the first 15 Contract years (or 15 years after an increase in the Specified Amount), a surrender charge will be deducted. No surrender charge applies in the 16th Contract Year for Contracts issued before January 1, 2020 (or the 16th year following an increase in the Specified Amount). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The maximum surrender charge is up to 4.8% of the Specified Amount. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For example, the full surrender or lapse of a Contract with a Specified Amount of $100,000 could be subject to a maximum surrender charge of $4,800. <br> *Reference Fee Table and Charges and Deductions - Surrender Charge.* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Upon complete surrender or lapse of a Contract issued on or after January 1, 2020, during the first 10 Contract Years (or 10 years following an increase in the Specified Amount) a surrender charge will be deducted. No surrender charge applies in the 11th Contract Year for Contracts issued on or after January 1, 2020 (or the 11th year following an increase in the Specified Amount). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Upon complete surrender or lapse of a Contract issued before January 1, 2020, during the first 15 Contract years (or 15 years after an increase in the Specified Amount), a surrender charge will be deducted. No surrender charge applies in the 16th Contract Year for Contracts issued before January 1, 2020 (or the 16th year following an increase in the Specified Amount). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The maximum surrender charge is up to 4.8% of the Specified Amount. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For example, the full surrender or lapse of a Contract with a Specified Amount of $100,000 could be subject to a maximum surrender charge of $4,800. <br> *Reference Fee Table and Charges and Deductions - Surrender Charge.* |
| ***TRANSACTION CHARGES***  | In addition to surrender charges, you may be charged for other transactions such as a premium expense charge which covers state and local taxes as well as related administrative expenses when you make a premium payment, a transfer processing fee which applies after six transfers in a Contract Year, an administrative fee of up to $25.00 for partial surrenders and a processing fee for the payment of accelerated death benefits under the Accelerated Death Benefit/Living Benefits Rider, Accelerated Death Benefit/Terminal Illness Rider and Accelerated Death Benefit for Chronic Illness Rider. <br> *Reference Fee Table and Charges and Deductions<br>*  | In addition to surrender charges, you may be charged for other transactions such as a premium expense charge which covers state and local taxes as well as related administrative expenses when you make a premium payment, a transfer processing fee which applies after six transfers in a Contract Year, an administrative fee of up to $25.00 for partial surrenders and a processing fee for the payment of accelerated death benefits under the Accelerated Death Benefit/Living Benefits Rider, Accelerated Death Benefit/Terminal Illness Rider and Accelerated Death Benefit for Chronic Illness Rider. <br> *Reference Fee Table and Charges and Deductions<br>*  | In addition to surrender charges, you may be charged for other transactions such as a premium expense charge which covers state and local taxes as well as related administrative expenses when you make a premium payment, a transfer processing fee which applies after six transfers in a Contract Year, an administrative fee of up to $25.00 for partial surrenders and a processing fee for the payment of accelerated death benefits under the Accelerated Death Benefit/Living Benefits Rider, Accelerated Death Benefit/Terminal Illness Rider and Accelerated Death Benefit for Chronic Illness Rider. <br> *Reference Fee Table and Charges and Deductions<br>*  |
| ***ONGOING FEES AND EXPENSES*** <br> ***(ANNUAL CHARGES)***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Contract, any net loan interest charges, and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (e.g., age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investing in the Subaccounts will also incur expenses associated with the Portfolio Companies, as shown in the following table  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Contract, any net loan interest charges, and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (e.g., age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investing in the Subaccounts will also incur expenses associated with the Portfolio Companies, as shown in the following table  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Contract, any net loan interest charges, and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (e.g., age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investing in the Subaccounts will also incur expenses associated with the Portfolio Companies, as shown in the following table  |
|  | **Annual Fee**  | **Minimum**  | **Maximum**  |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment options <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Portfolio Company fees and expenses)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.27%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.37%  |
|  | *Reference Fee Table, Charges and Deductions, Appendix A - Portfolio Companies Available Under the Contract.* | *Reference Fee Table, Charges and Deductions, Appendix A - Portfolio Companies Available Under the Contract.* | *Reference Fee Table, Charges and Deductions, Appendix A - Portfolio Companies Available Under the Contract.* |
| **RISKS**  | **RISKS**  | **RISKS**  | **RISKS**  |
| ***RISK OF LOSS***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You can lose money by investing in this Contract, including loss of principal. <br> *Reference Principal Risks of Investing in The Contract.* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You can lose money by investing in this Contract, including loss of principal. <br> *Reference Principal Risks of Investing in The Contract.* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You can lose money by investing in this Contract, including loss of principal. <br> *Reference Principal Risks of Investing in The Contract.* |
| ***NOT A SHORT-TERM INVESTMENT***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. You will pay a surrender charge if your Contract is fully surrendered or lapses within the first 10 Contract Years or the 10 years following an increase in the Specified Amount (for Contracts issued on or after January 1, 2020) or within the first 15 Contract Years or the 15 years following an increase in the Specified Amount (for Contracts issued before January 1, 2020) There might also be tax consequences. <br> *Reference Principal Risks of Investing in The Contract, Fee Table, and Charges and Deductions – Surrender Charge*  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. You will pay a surrender charge if your Contract is fully surrendered or lapses within the first 10 Contract Years or the 10 years following an increase in the Specified Amount (for Contracts issued on or after January 1, 2020) or within the first 15 Contract Years or the 15 years following an increase in the Specified Amount (for Contracts issued before January 1, 2020) There might also be tax consequences. <br> *Reference Principal Risks of Investing in The Contract, Fee Table, and Charges and Deductions – Surrender Charge*  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. You will pay a surrender charge if your Contract is fully surrendered or lapses within the first 10 Contract Years or the 10 years following an increase in the Specified Amount (for Contracts issued on or after January 1, 2020) or within the first 15 Contract Years or the 15 years following an increase in the Specified Amount (for Contracts issued before January 1, 2020) There might also be tax consequences. <br> *Reference Principal Risks of Investing in The Contract, Fee Table, and Charges and Deductions – Surrender Charge*  |

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| | |
|:---|:---|
| **RISKS** | **RISKS** |
| ***RISKS ASSOCIATED WITH INVESTMENT OPTIONS***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment in the Contract is subject to the risk of poor investment performance, which can vary depending on the performance of each of the Subaccounts. The Subaccounts and the Fixed Account each have their own unique risks. You should review all of the investment options before making an investment decision. <br> *Reference Principal Risks of Investing in the Contract; and Appendix A – Portfolio Companies Available Under the Contract*  |
| ***INSURANCE COMPANY RISKS***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment in the Contract is subject to the risks related to Kansas City Life. Any obligations, guarantees, and benefits of the Contract, including the Fixed Account investment option, are subject to the claims-paying ability of Kansas City Life. If Kansas City Life experiences financial distress, it may not be able to meet its obligations to you. More information about the financial condition of Kansas City Life is available upon request by contacting the Home Office. <br> *Reference General Information About Kansas City Life – Financial Condition of Kansas City Life*  |
| ***CONTRACT LAPSE***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If there is insufficient Cash Surrender Value to pay the Monthly Deduction when due, the Contract will lapse (terminate without value) after a 61-day Grace Period. This may occur due to insufficient Premiums, poor investment performance, partial surrenders, unpaid Contract loans and accrued loan interest. The Contract will not laps if you pay sufficient Premiums during the Grace Period to keep the Contract in force. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; During the Guaranteed Payment Period, we guarantee that the Contract will not lapse as long as you meet the Guaranteed Monthly Premium requirement. If you fail to meet the Guaranteed Monthly Premium requirement, the Contract will lapse as described above. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you elected the Guaranteed Minimum Death Benefit Rider, we guarantee that the Contract will not lapse as long as you meet the Guaranteed Minimum Death Benefit Rider Premium requirement. If you fail to meet the Guaranteed Minimum Death Benefit Rider Premium requirement, the Guaranteed Minimum Death Benefit Rider will terminate if you do not pay sufficient Premiums to maintain the Guaranteed Minimum Death Benefit Rider by the end of a 61-day notice period. If the Guaranteed Minimum Death Benefit Rider is terminated and there is insufficient Cash Surrender Value to pay the Monthly Deduction when due, the Contract will lapse after a 61-day Grace Period, as described above. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For Contracts issued before January 1, 2020 <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If your Contract lapses, you may reinstate it within two years (three years in Arkansas, Kentucky, Minnesota, New Hampshire, Oklahoma, Utah, Virginia, and West Virginia; five years in Missouri and North Carolina) after lapse. Reinstatement must meet certain conditions, including the payment of the required Premium and proof of insurability. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For Contracts issued on or after January 1, 2020 <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If your Contract lapses, you may reinstate it within three years after lapse. Reinstatement must meet certain conditions, including the payment of the required Premium and proof of insurability. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Death Benefits will not be paid if the Contract has lapsed. <br> *Reference Principal Risks of Investing in the Contract; Premiums – Premiums to Prevent Lapse and Cash Benefits - Reinstatement*  |
| **RESTRICTIONS** | **RESTRICTIONS** |
| ***INVESTMENTS***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The first six transfers during each Contract Year are free. We will assess a transfer processing fee of $25 for each additional transfer during such Contract Year. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We reserve the right to remove or substitute Portfolio Companies as investment options. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not all Portfolio Companies may be available in all states. <br> *Reference Fee Table; Charges and Deductions – Transfer Processing Fee; Allocations and Transfers – Transfer Privilege, and General Information About Kansas City Life – Addition, Deletion or Substitution of Investments*  |
| ***OPTIONAL BENEFITS***  | You may add supplemental and/or rider benefits to your Contract. We will deduct any monthly charges for these benefits and/or riders from your Contract Value as part of the Monthly Deduction. Certain rider benefits may not be available at all issue ages. All riders may not be available in all states. Certain riders may not be available depending on the date your Contract was issued. We may change or stop offering a supplemental and/or rider benefit at any time before you elect it. <br> *Reference Fee Table, Charges and Deductions, Death Benefit and Changes in Specified Amount - Supplemental and/or Rider Benefits, and Cash Benefits - Contract Loans* |
| **TAXES** | **TAXES** |
| ***TAX IMPLICATIONS*** <br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If a Contract is treated as a modified endowment contract, then surrenders, withdrawals, and loans under the Contract will be taxable as ordinary income to the extent there are earnings in the Contract. In addition, a 10% penalty tax may be imposed on surrenders, withdrawals, and loans taken before you reach Age 59½. We encourage you to consult your own tax adviser before making a purchase of the Contract. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; There is no additional tax benefit if the Contract is purchased through an individual retirement account (IRA). <br> *Reference Principal Risks of Investing in the Contract and Tax Considerations*  |

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| | |
|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| ***INVESTMENT PROFESSIONAL COMPENSATION***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Commissions are paid to selling firms for the sale of contracts. In addition, we may pay an asset-based commission or other amounts in certain circumstances. All or some of the payments received from Funds under distribution plans pursuant to Rule 12b-1 may be passed on to selling firms. This conflict of interest may influence your investment professional to recommend this Contract over another investment. <br> *Reference Other Information About the Contracts and Kansas City Life - Sale of the Contracts*  |
| ***EXCHANGES***  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may have a financial incentive to offer you a new contract in place of the contract you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate the existing contract that it is preferable to purchase the new contract rather than continue to own the existing contract. <br> *Reference The Contract - Replacement of Existing Insurance*  |

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#### Overview of the Contract

#### Purpose
The Contract is an individual flexible premium variable life insurance contract. The Contract may be appropriate for an investor who has an understanding of investments, a higher risk tolerance and a long-term investment horizon. As long as the Contract remains in force it provides lifetime insurance protection on the Insured. You pay Premiums for insurance coverage. The Contract also provides for accumulation of Premiums and a Cash Surrender Value if the Contract terminates.

#### Premium payments
The Contract is flexible with regard to the amount of Premiums you pay. The minimum initial Premium Payment is dependent on Age, sex and risk class of the proposed Insured, the initial Specified Amount, any supplemental and/or rider benefits and the Planned Premiums you propose to make. Each Premium after the initial Premium must be at least $25. Your Contract will terminate if there is insufficient value remaining in the Contract at the end of the Grace Period. Because the value of amounts allocated to the Variable Account will vary according to the investment performance of the Funds, the specific amount of Premiums required to prevent lapse will also vary.

You select the Subaccounts and the Fixed Account to which you allocate Contract Value. The Contract Value will increase or decrease depending on the investment performance of the Subaccounts, the amount of interest we credit to the Fixed Account, the Premiums you pay, the Contract fees and charges we deduct, and the effect of any Contract transactions (such as transfers, partial surrenders, and loans). **We do not guarantee any minimum Contract Value. You could lose some or all of your money.**

You may transfer amounts among the Subaccounts and the Fixed Account, subject to certain restrictions. There is no limit on the number of transfers you can make between the Subaccounts or to the Fixed Account. The first six transfers during each Contract Year are free. After the first six transfers, we will assess a $25 Transfer Processing Fee. **For additional information about each Portfolio Company in which the Subaccounts invest see Appendix A - Portfolio Companies Available Under the Contract at the back of this prospectus.** 

#### Contract Features
***Death Benefits.*** We pay a death benefit to the Beneficiary if the Insured dies while the Contract is in force. We pay the death benefit when we receive satisfactory proof at our Home Office of the Insured's death.

● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; When you apply for the Contract, you may choose one of three Coverage Options, which will be used to determine the death benefit:

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

● <u>Option A</u>–at least equal to the Specified Amount.

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

● <u>Option B</u>–at least equal to the Specified Amount plus Contract Value.

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

● <u>Option C</u>–at least equal to the Specified Amount plus total Premiums paid, minus the amount of any partial surrenders. Option C is only available at issue.

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● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An optional Guaranteed Minimum Death Benefit Rider is also available on this Contract (if requested). This rider guarantees the payment of the Contract death benefit, regardless of the investment performance of the Subaccount. The cumulative Guaranteed Minimum Death Benefit Rider Premium requirement must be met in order for this guarantee to remain in effect. (See Prospectus "SUPPLEMENTAL AND/OR RIDER BENEFITS")

***Cash Benefits***

● ***Contract Loans.*** You may take loans for amounts up to the Cash Surrender Value less loan interest to the next Contract Anniversary. A 5% annual effective interest rate applies. Currently, a preferred loan is available in the 11<sup>th</sup> Contract Year. Loans reduce the amount available for allocations and transfers. Loans may have tax consequences. (See Prospectus "TAX CONSIDERATIONS")

● ***Full Surrender.*** You may surrender your Contract at any time for its Cash Surrender Value. A surrender charge may apply and there may be adverse tax consequences. (See Prospectus *"*TAX CONSIDERATIONS")

● ***Partial Surrender.*** Partial surrenders generally are available provided you have enough remaining Cash Surrender Value. A partial surrender fee applies. Partial surrenders may have adverse tax consequences. (See Prospectus "TAX CONSIDERATIONS")

***Optional Benefits*.** The following supplemental and/or rider benefits are available and may be added to your Contract. We may deduct monthly charges for some of these benefits and/or riders from your Contract Value as part of the Monthly Deduction. Each is subject to its own requirements as to eligibility and possible additional cost, including processing fee.

● <u>Guaranteed Minimum Death Benefit Rider</u>.

● <u>Lifetime Guaranteed Minimum Death Benefit</u>. (Not available to Contracts issued on or after January 1, 2020.)

● <u>Disability Continuance of Insurance</u>.

● <u>Disability Premium Benefit Rider</u>.

● <u>Accidental Death Benefit</u>.

● <u>Option to Increase Specified Amount</u>.

● <u>Spouse's Term Insurance</u>.

● <u>Children's Term Insurance</u>.

● <u>Other Insured Term Insurance</u>.

● <u>Additional Life Insurance Rider</u>.

● <u>Monthly Benefit Rider</u>.

● <u>Acceleration of Death Proceeds/Enhanced Living Benefits Rider.</u> (Not available on or after January 1, 2019 to contracts issued before June 1, 2018. Not available (except in California) on or after June 1, 2024, to contracts issued on or after June 1, 2018.)

● <u>Enhanced Living Benefits Accelerated Death Benefit Rider.</u> (Not available on or after June 1, 2024, to contracts issued before June 1, 2018.)

● <u>Accelerated Death Benefit/Living Benefits Rider</u>. (Not available to contracts issued after June 1, 2018. Not available on or after January 1, 2019 to contracts issued before June 1, 2018.)

● <u>Accelerated Death Benefit/Terminal Illness Rider.</u> (Not available to contracts issued after June 1, 2018. Not available on or after January 1, 2019 to contracts issued before June 1, 2018.)

● <u>Accelerated Death Benefit for Chronic Illness Rider.</u> (Available beginning June 1, 2018 to contracts issued on or after June 1, 2018.)

● <u>Accelerated Death Benefit for Terminal Illness Rider.</u> (Available beginning June 1, 2018 to contracts issued on or after June 1, 2018.)

Optional Benefits may not be available in all states and may incur an additional fee. Please ask your registered representative for further information or contact the Home Office.

------

#### STANDARD DEATH BENEFITS
As long as the Contract remains in force, upon receipt at the Home Office of satisfactory proof of the Insured's death, we will pay the Death Proceeds as provided in the Designation of Death Benefit Payout Endorsement. If the Contract does not include the endorsement, we must receive written direction from each eligible recipient of the Death Proceeds regarding how to make the death benefit payment as well as any other required document, form or information. We may require return of the Contract. We will pay the Death Proceeds in a lump sum, or if you prefer, under a payment option. (See Prospectus "PAYMENT OF PROCEEDS" and Prospectus "PAYMENT OPTIONS") We will pay the Death Proceeds to the Beneficiary. (See Prospectus "SELECTING AND CHANGING THE BENEFICIARY")

#### AMOUNT OF DEATH PROCEEDS
The Death Proceeds are equal to the following:

● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; the death benefit under the Coverage Option selected calculated on the date of the Insured's death; plus

● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; any supplemental and/or rider benefits; plus

● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; any cost of insurance charges deducted beyond the date of death; minus

● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; any Loan Balance on that date; minus

● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; any past due Monthly Deductions if the date of death occurred during a Grace Period.

If the Guaranteed Minimum Death Benefit Rider or Lifetime Guaranteed Minimum Death Benefit Rider is in effect, we guarantee the payment of the death benefit, regardless of the performance of the Subaccounts. (See Prospectus "SUPPLEMENTAL AND/OR RIDER BENEFITS")

Under certain circumstances, the amount of the death benefit may be further adjusted, or the death benefit may not be payable. If part or all of the death benefit is paid in one sum, we will pay interest on this sum (as required by applicable state law) from the date of receipt of due proof of the Insured's death to the date of payment.

#### COVERAGE OPTIONS
You may choose one of three Coverage Options, which will be used to determine the death benefit:

● <u>Option A</u>: death benefit is the Specified Amount. Option A generally provides a level death benefit unless performance is very favorable and the applicable corridor percentage calculation (described below) becomes applicable. The death benefit ordinarily will not change for several years to reflect any favorable investment performance and may not change at all.

● <u>Option B</u>: death benefit is at least equal to the Specified Amount plus the Contract Value on the date of death. Thus, the death benefit will vary directly with the investment performance of the Contract Value, but will not fall below the Specified Amount.

● <u>Option C</u>: death benefit is at least equal to the Specified Amount plus the total Premiums paid on the date of death minus any partial surrenders (including partial surrender fee) made. The more Premiums you pay and the less you withdraw, the larger the death benefit will be.

Under all three Coverage Options, we perform another calculation to ensure that the amount of insurance we provide meets the definition of life insurance under the Internal Revenue Code. To apply this calculation, we multiply the applicable corridor percentage by the Contract Value on the date of death. If the resulting amount is greater than the amount provided under the Coverage Option, the death benefit is equal to this greater amount. The applicable corridor percentage varies by Age, sex, risk class, Specified Amount, the number of years coverage has been in effect, and any applicable optional benefits or riders. Please refer to your Contract for further information regarding corridor percentages.

#### INITIAL SPECIFIED AMOUNT AND COVERAGE OPTION
The initial Specified Amount is set at the time the Contract is issued. You select the Coverage Option when you apply for the Contract. You may change the Specified Amount and Coverage Option, as discussed below.

#### ADDITIONAL INFORMATION ABOUT STANDARD DEATH BENEFITS

#### CHANGES IN COVERAGE OPTION
We have the right to require that no change in Coverage Option occurs during the first Contract Year and that you make no more than one change in Coverage Option in any 12-month period. After any change, we require the Specified Amount to be at least $100,000 for issue ages below 50 and $50,000 for issue ages 50 and above. The effective date of the change will be the Monthly Anniversary Day that coincides with or next follows the day that we receive and accept the request. We may require satisfactory evidence of insurability.

If the Coverage Option is Option B or Option C, it may be changed to Option A. The new Specified Amount will be the death benefit as of the effective date of the change. The death benefit will remain the same. The effective date of change will be the Monthly Anniversary Day on or next following the date we receive and approve your application for change.

If the Coverage Option is Option A or Option B, you may not change it to Option C. Coverage Option C is only available at issue.

If the Coverage Option is Option A or Option C, you may change it to Option B subject to satisfactory evidence of insurability. The Specified Amount does not change. The new death benefit will be the Specified Amount plus the Contract Value as of the effective date of change. The effective date of change will be the Monthly Anniversary Day on or following the date we approve your application for change.

***A change in Coverage Option may have tax consequences. (*See Prospectus "*TAX CONSIDERATIONS") You should consult a tax adviser before changing the Coverage Option.***

#### CHANGES IN SPECIFIED AMOUNT
You may increase or decrease the Specified Amount. We may require that the Contract be in force for one Contract Year before a change in Specified Amount and that you make only one change every twelve Contract Months. If a change in the Specified Amount results in total Premiums paid exceeding the Premium limitations set out under current tax law to qualify your Contract as a life insurance contract, we will refund the amount of such Premium in excess of the limitations. We will make such a refund after the next Monthly Anniversary.

***Changes in the Specified Amount may have tax consequences. (See Prospectus "TAX CONSIDERATIONS") You should consult a tax adviser before changing the Specified Amount.***

#### SELECTING AND CHANGING THE BENEFICIARY
You select the Beneficiary in your application. You may change a Beneficiary designation in accordance with the terms of the Contract. If you make an irrevocable Beneficiary designation, you must obtain the Beneficiary's consent to change the Beneficiary. The primary Beneficiary is the person entitled to receive the Death Proceeds under the Contract. If the primary Beneficiary is not living, the contingent Beneficiary is entitled to receive the Death Proceeds. If the Insured dies and there is no surviving Beneficiary, the Owner will be the Beneficiary.

------

#### OTHER BENEFITS AVAILABLE UNDER THE CONTRACT
In addition to the standard death benefits associated with your contract, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Name of Benefit**  | &nbsp;&nbsp; **Purpose**  | &nbsp;&nbsp; **Is Benefit Standard or Optional**  | &nbsp;&nbsp; **Brief Description of Restrictions/Limitations**  |
| &nbsp;&nbsp; **Guaranteed Minimum Death Benefit Rider**  | &nbsp;&nbsp; Guarantees payment of the Death Proceeds at the death of the Insured, regardless of the investment performance of the Subaccounts  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue ages: 0-78 for Contracts issued on or after January 1, 2020 <br>● Issue ages: 0-59 for Contracts issued before January 1, 2020 <br>|
| &nbsp;&nbsp; **Lifetime Guaranteed Minimum Death Benefit Rider**  | &nbsp;&nbsp; Guarantees payment of the Death Proceeds at the death of the Insured, regardless of the investment performance of the Subaccounts  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **The LGM is not available to Contracts issued on or after January 1, 2020.** <br> ● Issue ages: Same as the Contract <br>● This rider must be requested at the time of issue and is not available under Coverage Option C <br>|
| &nbsp;&nbsp; **Disability Continuance of Insurance (DCOI)**  | &nbsp;&nbsp; Covers Monthly Deductions during the period of total disability of the Insured  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue Ages: 15-55, renewal through Age 59 <br>● Become payable after the Insured's total disability exists for six consecutive months (total disability occurs before age 60) <br>● Benefits under DCOI will continue until the Insured is no longer totally disabled <br>|
| &nbsp;&nbsp; **Disability Premium Benefit Rider (DPB)**  | &nbsp;&nbsp; Provides for the payment of the disability premium benefit amount as Premium to the Contract during a period of total disability of the Insured  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue ages: 15-55, renewal through Age 59 <br>● Benefits become payable after the Insureds total disability exists for six consecutive months and total disability occurs before Age 60 <br>|
| &nbsp;&nbsp; **Accidental Death Benefit (ADB)**  | &nbsp;&nbsp; Provides for payment of an additional amount of insurance in the event of accidental death  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue ages: 5-60 <br>● Terminates when the Insured attains Age 70. <br>|
| &nbsp;&nbsp; **Option to Increase Specified Amount (Assured Insurability - AI)**  | &nbsp;&nbsp; Allows the Specified Amount of the Contract to increase by the option amount or less, without evidence of insurability on the Insured  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue ages: 0-38 <br>● Increasing the Contract's Specified Amount may have tax consequences <br>|
| &nbsp;&nbsp; **Spouse's Term Insurance (STI)**  | &nbsp;&nbsp; Provides decreasing term insurance on the Insured's spouse  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue ages: 15-50 (Spouse's age) <br>● Maximum number of five units may be purchased <br>● See Rider contract for table specifying the amount of insurance per unit of coverage. <br>|
| &nbsp;&nbsp; **Children's Term Insurance (CTI)**  | &nbsp;&nbsp; Provides level term insurance on each Insured Child  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue ages: 14 Days - 17 Years (Children's ages) <br>● Continues until the Contract Anniversary on which the Insured Child's attained Age is 25 <br>● Expires on the Contract Anniversary on which the Insured is Age 65 <br>|
| &nbsp;&nbsp; **Other Insured Term Insurance (OI)**  | &nbsp;&nbsp; Provides level yearly renewable term coverage on the Insured, the Insured's spouse, and/or children  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue ages: 0-65 (Other Insured's age) <br>|
| &nbsp;&nbsp; **Additional Life Insurance Rider (ALI)**  | &nbsp;&nbsp; Provides level yearly renewable term coverage on the Insured, which counts towards the death benefit corridor  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue ages: 0-75 <br>● The minimum issue limit is $25,000 <br>|
| &nbsp;&nbsp; **Monthly Benefit Rider (MBR)**  | &nbsp;&nbsp; Pays a monthly benefit at the death of the Insured. The Monthly Benefit is in addition to the death benefit payable under the base Contract. The Monthly Benefit Amount increases annually by 3% while the Insured is alive (although a level benefit amount option is available)  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Issue ages: 20-55 <br>● At death, the benefit amount then in force is frozen and is payable each month until the point in time specified in the policy <br>● The coverage expires at the date shown in the policy <br>|
| &nbsp;&nbsp; **Accelerated Death Benefit/Living Benefits Rider (LBR)**  | &nbsp;&nbsp; Provides opportunity to receive an accelerated payment of all or part of the Contract's death benefit (adjusted to reflect present value and a processing fee)  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Effective January 1, 2019, the LBR can no longer be added to contracts issued before June 1, 2018. The LBR is not available to contracts issued on or after June 1, 2018.** <br> ● Issue Ages: No restrictions <br>● Terminal Illness Option and Nursing Home Option <br>|
| &nbsp;&nbsp; **Acceleration of Death Proceeds/Enhanced Living Benefits Rider (ELB)**  | &nbsp;&nbsp; Provides for payment of a portion of the Contract Death Proceeds prior to the death of the Insured. In addition to whatever medical underwriting is required for the issuance of the Contract, full medical underwriting is required for this rider  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Effective January 1, 2019, the ELB can no longer be added to contracts issued before June 1, 2018.** <br> **Effective June 1, 2024, except in California, the ELB can no longer be added to contracts issued on or after June 1, 2018.** <br> ● Issue ages: 20 – 80 <br>|
| &nbsp;&nbsp; **Enhanced Living Benefits Accelerated Death Benefit Rider (ELBADBR)**  | &nbsp;&nbsp; Provides for payment of a portion of the Contract Death Proceeds prior to the death of the Insured. In addition to the medical underwriting required for the issuance of the Contract, full medical underwriting is required for this rider.  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Effective June 1, 2024, the ELBADBR is available to be added to contracts issued on or after June 1, 2018.** <br> ● Issue ages: 20 – 80 <br>● Adding this rider to your Contract or electing to receive benefits under the rider may have adverse tax consequences <br>|
| &nbsp;&nbsp; **Accelerated Death Benefit for Chronic Illness Rider**  | &nbsp;&nbsp; Accelerates payment of the death benefit if the Insured has been certified for at least 90 days within the last 12 months as having a condition resulting in the Insured being unable to perform certain activities without substantial assistance from another individual due to loss of functional capacity or requiring substantial supervision due to severe cognitive impairment  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **The ADBRCC is available to be added to contracts issued on or after June 1, 2018.** <br> ● Issue ages: No restrictions <br>● Adding this rider to your Contract or electing to receive benefits under the rider may have adverse tax consequences <br>|
| &nbsp;&nbsp; **Accelerated Death Benefit/Terminal Illness Rider (TIR)**  | &nbsp;&nbsp; Accelerates payment of the death benefit if the Insured is diagnosed, as having a terminal illness by a physician after the effective date and while this rider is in force  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Effective January 1, 2019, the TIR can no longer be added to contracts issued before June 1, 2018. The TIR is not available to contracts issued on or after June 1, 2018.** <br> ● Issue ages: No restrictions <br>● Adding this rider to your Contract or electing to receive benefits under the rider may have adverse tax consequences <br>|
| &nbsp;&nbsp; **Accelerated Death Benefit for Terminal Illness Rider**  | &nbsp;&nbsp; This rider will pay the accelerated death benefit payment amount if the Insured is diagnosed as having a terminal illness by a physician while this rider is in force  | &nbsp;&nbsp; Optional  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **The ADBRTI is available to be added to contracts issued on or after June 1, 2018.** <br> ● Issue ages: No restrictions <br>● Adding this rider to your Contract or electing to receive benefits under the rider may have adverse tax consequences <br>|
| &nbsp;&nbsp; **Contract Loan**  | &nbsp;&nbsp; Allows you to borrow from the Contract while the Insured is living using your Contract Value as collateral.  | &nbsp;&nbsp; Standard  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Maximum loan amount is Cash Surrender Value less loan interest to the next Contract Anniversary ● Loans may have adverse tax consequences<br>|
| &nbsp;&nbsp; **Dollar Cost Averaging**  | &nbsp;&nbsp; Allows you to automatically transfer amounts from the Federated Hermes Government Money Fund II Subaccount to other Subaccounts on a monthly basis  | &nbsp;&nbsp; Standard  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum $250 transfer amount each month <br>● Not allowed at the same time as Portfolio Rebalancing <br>|
| &nbsp;&nbsp; **Portfolio Rebalancing**  | &nbsp;&nbsp; Automatically redistributes the accumulated balance of each Subaccount to equal a specified percentage of the Variable Account Value on a quarterly basis  | &nbsp;&nbsp; Standard  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ● Not allowed at the same time as Dollar Cost Averaging <br>|

---

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#### BUYING THE CONTRACT

#### PURCHASE PROCEDURES
To purchase a Contract, you must complete an application and submit it through an authorized registered representative. If you are eligible for temporary life insurance coverage, a conditional receipt should also accompany the application. As long as the initial Premium accompanies the conditional receipt, the conditional receipt provides insurance coverage from the date we receive the required Premium at our Home Office to the date we approve your application. In accordance with our underwriting rules, temporary life insurance coverage may not exceed $500,000. The conditional receipt may not be in effect for more than 60 days. At the end of the 60 days, the conditional receipt coverage terminates and we will return the initial Premium to the applicant.

For coverage under the conditional receipt, you must pay an initial Premium that is at least equal to two Guaranteed Monthly Premiums. We require only one Guaranteed Monthly Premium for Contracts when Premiums will be made under a pre-authorized check payment plan or combined billing arrangement. (See Prospectus "PREMIUMS")

We require satisfactory evidence of the proposed Insured's insurability, which may include a medical examination.

For Contracts issued after on or after January 1, 2020, the available issue ages are 0 through 79 (65 in California) on a preferred non-tobacco user basis and 18 through 79 (65 in California) for all other risk classes (Tobacco user refers to use of tobacco products in any form during the time period as defined in our underwriting guidelines.) We reserve the right to issue above age 79 (65 in California). Age is determined on the Contract Date based on the Insured's Age nearest birthday. The minimum Specified Amount is $100,000 for issue ages below 50 and $50,000 for issue ages 50 and above.

Acceptance of an application depends on our underwriting rules. We have the right to reject any application.

#### PREMIUM AMOUNT
The Contract is flexible with regard to the amount of Premiums you pay. When we issue the Contract we will establish a Planned Premium amount set by you. This amount is only an indication of your preference in paying Premiums. You may change this amount at any time. You may make additional Unscheduled Premiums at any time while the Contract is in force. We have the right to limit the number (except in Texas) and amount of such Premiums. There are requirements regarding the minimum and maximum Premium amounts that you can pay.

We deduct a premium expense charge from all Premiums prior to allocating them to your Contract.

***Minimum Premium Amounts.*** The minimum initial Premium Payment required is the least amount for which we will issue a Contract. This amount depends on a number of factors. These factors include Age, sex and risk class of the proposed Insured, the initial Specified Amount, any supplemental and/or rider benefits and the Planned Premiums you propose to make. (See Prospectus "PLANNED PREMIUMS") Consult your registered representative for information about the initial Premium required for the coverage you desire.

Each Premium after the initial Premium must be at least $25.

 ***Maximum Premium Information***. Total Premiums paid may not exceed Premium limitations for life insurance set forth in the Internal Revenue Code. We will monitor Contracts and will notify you if a Premium exceeds this limit and will cause the Contract to violate the definition of insurance. You may choose to take a refund of the portion of the Premium that we determine is in excess of Premium limitations or you may submit an application to modify the Contract so it continues to qualify as a contract for life insurance. Modifying the Contract may require evidence of insurability. (See Prospectus "TAX CONSIDERATIONS")

Your Contract may become a modified endowment contract if Premiums exceed the "7-Pay Test" as set forth in the Internal Revenue Code. We will monitor Contracts and will attempt to notify you on a timely basis if, based on our interpretation of the relevant tax rules, your Contract is in jeopardy of becoming a modified endowment contract. (See Prospectus "TAX CONSIDERTIONS")

We reserve the right to require satisfactory evidence of insurability prior to accepting Unscheduled Premiums. (See Prospectus "ALLOCATIONS AND TRANSFERS")

***General Premium Information***. You must make Premiums by check payable to Kansas City Life Insurance Company or by any other method that we deem acceptable. You must clearly mark a loan repayment as such or we will credit it as a Premium. (See Prospectus "CONTRACT LOANS")

If mandated under applicable law, we may be required to reject a Premium Payment. We may also be required to provide additional information about you or your account to government regulators.

***Planned Premiums.*** When applying for a Contract, you select a plan for paying Premiums. Failure to pay Planned Premiums will not necessarily cause a Contract to lapse. Conversely, paying all Planned Premiums will not guarantee that a Contract will not lapse. You may elect to pay level Premiums quarterly, semi-annually or annually. You may also arrange to pay Planned Premiums on a special monthly or quarterly basis under a pre-authorized payment arrangement. You are not required to pay Premiums in accordance with your plan. You can pay more or less than planned or skip a Planned Premium entirely. (See "PREMIUMS TO PREVENT LAPSE" and Prospectus "GUARANTEED PAYMENT PERIOD AND GUARANTEED MONTHLY PREMIUM") Subject to the minimum and maximum limits described above, you can change the amount and frequency of Planned Premiums at any time.

***Guaranteed Payment Period and Guaranteed Monthly Premium***. During the Guaranteed Payment Period we guarantee that your Contract will not lapse if your Premiums are in line with the Guaranteed Monthly Premium requirement. For this guarantee to apply the total Premiums must be at least equal to the sum of:

● the amount of accumulated Guaranteed Monthly Premiums in effect; and

● additional Premium amounts to cover the total amount of any partial surrenders or Contract Loans you have made.

The Guaranteed Payment Period applies for seven years after the Contract Date. The Contract shows the Guaranteed Monthly Premium.

The factors we use to determine the Guaranteed Monthly Premium vary by risk class, issue age, and sex. In calculating the Guaranteed Monthly Premium, we include additional amounts for substandard ratings and supplemental and/or rider benefits. If you make a change to your Contract, we will:

● re-calculate the Guaranteed Monthly Premium;

● notify you of the new Guaranteed Monthly Premium; and

● amend your Contract to reflect the change.

***Premiums Upon Increase in Specified Amount.*** After an increase in the Specified Amount, we will calculate a new Guaranteed Monthly Premium and this amount will apply for the remainder of the Guaranteed Payment Period. We will notify you of the new Guaranteed Monthly Premium for this period. If an increase is made after the initial seven Contract Years, there will be no Guaranteed Payment Period applicable. Depending on the Contract Value at the time of an increase and the amount of the increase requested, you may need to pay an additional Premium or change the amount of Planned Premiums. (See Prospectus "CHANGES IN SPECIFIED AMOUNT")

------

#### PREMIUM DUE DATES
In general, when applications are submitted with the required Premium, the Contract Date will be the same as that of the conditional receipt. For Contracts where the required Premium Payment is not accepted at the time of application or Contracts where values are applied to the new Contract from another contract, the Contract Date will be the approval date plus up to seven days. There are several exceptions to these rules described below.

#### Contract Date Calculated to be 29 <sup>th</sup> , 30 <sup>th</sup> or 31 <sup>st</sup> of Month
No Contracts will be given a Contract Date of the 29th, 30th or 31st of the month. When values are applied to the new Contract from another contract and the Contract Date would be calculated to be one of these dates, the Contract Date will be the 28th of the month. In all other situations in which the Contract Date would be calculated to be the 29th, 30th or 31st of the month, the Contract Date will be the 1st of the next month.

#### Pre-Authorized Check Payment Plan (PAC) or Combined Billing (CB)–Premium with Application
If you request PAC or CB and provide the initial Premium with the application, the Contract Date will be the date of approval. Combined Billing is a billing where multiple Kansas City Life contracts are billed together.

#### Government Allotment (GA) and Federal Allotment (FA)
If you request GA or FA on the application and provide an initial Premium with the application, the Contract Date will be the date of approval. If you request GA or FA and we do not receive the required initial Premium, the Contract Date will be the date we receive a full monthly allotment.

#### Conversions
If you convert a Kansas City Life term insurance product to a new Contract, the Contract Date will be the date up to which the Premiums for the previous contract are paid. If you are converting more than one term policy, the Contract Date will be determined by the contract with the earliest date to which Premiums are paid.

The Contract Date is determined by these guidelines except you may be permitted by state insurance law to backdate the Contract to preserve insurance Age (and receive a lower cost of insurance rate). In no case may the Contract Date be more than six months prior to the date the application was completed. We will charge Monthly Deductions from the Contract Date.

If coverage under an existing Kansas City Life insurance contract is being replaced, that contract will be terminated, and values will be transferred on the date when you have met all underwriting and other requirements and we have approved your application. We will deduct Contract charges as of the Contract Date.

#### HOW YOUR CONTRACT CAN LAPSE

#### LAPSE
If the Contract Value is not enough to pay the Monthly Deduction when due, the Contract will terminate without value after a Grace Period. The purpose of the Grace Period is to give you the chance to pay enough Premiums to keep your Contract in force. If your Contract does lapse you must pay the required amount before the end of the Grace Period. The Grace Period is 61 days and begins the date the Contract Lapses. Since the value of amounts allocated to the Variable Account will vary according to the investment performance of the Funds, the specific amount of Premiums required to prevent termination will also vary. A lapse could result in adverse tax consequences.

On each Monthly Anniversary Day we will check your Contract to determine if there is enough value to prevent lapse. If your Contract does lapse you must pay the required amount before the end of the Grace Period to prevent your contract from terminating. The conditions to prevent lapse will depend on whether a Guaranteed Payment Period is in effect as follows:

***During the Guaranteed Payment Period.*** The Contract lapses and a Grace Period starts if:

● there is not enough Cash Surrender Value in your Contract to cover the Monthly Deduction; and

● the Premiums paid are less than required to guarantee lapse will not occur during the Guaranteed Payment Period. (See Prospectus "GUARANTEED PAYMENT PERIOD AND GUARANTEED MONTHLY PREMIUM")

***After the Guaranteed Payment Period.*** The Contract lapses and a Grace Period starts if the Cash Surrender Value is not enough to cover the Monthly Deduction. To prevent the Contract from terminating at the end of the Grace Period you must pay enough Premiums to increase the Cash Surrender Value to at least the amount of three Monthly Deductions. You must make this payment before the end of the Grace Period.

If lapse occurs, the Premium you must pay to keep the Contract in force will be equal to the lesser of:

● the amount to guarantee the Contract will not lapse during the Guaranteed Payment Period less the accumulated Premiums you have paid; and

● enough Premium to increase the Cash Surrender Value to at least the amount of three Monthly Deductions.

***Grace Period****.* The purpose of the Grace Period is to give you the chance to pay enough Premiums to keep your Contract in force. We will send you notice of the amount required to be paid. The Grace Period is 61 days and begins the date the Contract lapses. Your Contract remains in force during the Grace Period. If the Insured dies during the Grace Period, we will pay the Death Proceeds, but we will deduct any Monthly Deductions due. (See Prospectus "AMOUNT OF DEATH PROCEEDS") If you do not pay adequate Premiums before the Grace Period ends, your Contract will terminate and your Cash Surrender Value, if any, will be returned. (See Prospectus "REINSTATEMENT")

#### REINSTATEMENT
For Contracts issued on or after January 1, 2020

If your Contract lapses, you may reinstate it within three years after lapse. In order to reinstate, we must receive satisfactory evidence of insurability of the Insured, payment of the premium amount which would have been sufficient to keep the contract from lapsing with interest from the date of lapse, plus two months of guaranteed monthly premium if the contract lapsed during the guaranteed payment period or three-monthly deductions if the contract lapsed after the guaranteed payment period.

#### MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT

#### SURRENDERS AND WITHDRAWALS
You may surrender your Contract at any time for its Cash Surrender Value by submitting a Written Request. A surrender charge may apply. (See Prospectus "SURRENDER CHARGE") We may require return of the Contract. We will process a surrender request as of the date we receive your Written Request and all required documents. We will price a surrender request received in good order before the New York Stock Exchange closes for normal trading using the Accumulation Unit values determined at the close of that regular business session of the New York Stock Exchange (usually 3:00 p.m. Central Time). For requests received in good order after the New York Stock Exchange closes, we will price such surrender request using the Accumulation Unit values determined at the close of the next regular session of the New York Stock Exchange. Generally we will make payment within seven calendar days. (See Prospectus "payment OF PROCEEDS") You may receive the Cash Surrender Value in one lump sum or you may apply it to a payment option. (See "PAYMENT OPTIONS") Your Contract will terminate and cease to be in force if you surrender it for one lump sum. You will not be able to later reinstate it. **Surrenders may have adverse tax consequences**. **(See Prospectus "TAX CONSIDERATIONS")**

*(In Texas, if you request a surrender within 31 days after a Contract Anniversary, the Cash Surrender Value applicable to the Fixed Account Value will not be less than the Cash Surrender Value applicable to the Fixed Account on that anniversary, less any Contract loans or partial surrenders made on or after such Anniversary.)*

#### PARTIAL SURRENDERS
You may make partial surrenders under your Contract at any time subject to the conditions below. You may submit a Written Request to the Home Office or make your request by telephone if you have provided proper authorization to us. (See Prospectus "TELEPHONE, FACSIMILE, ELECTRONIC MAIL AND INTERNET AUTHORIZATIONS") Each partial surrender (other than by telephone) must be at least $500 and the partial surrender amount may not exceed the Cash Surrender Value, less $300. If you make your request by telephone, the partial surrender amount must be at least $500 and may not exceed the lesser of the Cash Surrender Value less $300, or the maximum amount we permit to be withdrawn by telephone. We will assess a partial surrender fee. (See Prospectus "TELEPHONE, FACSIMILE, ELECTRONIC MAIL AND INTERNET AUTHORIZATIONS ") We will deduct this charge from your Contract Value along with the amount requested to be surrendered and the charge will be considered part of the surrender (together, "partial surrender amount"). We will reduce the Contract Value by the partial surrender amount as of the date we receive your Written Request or request by telephone for a partial surrender.

When you request a partial surrender, you can direct how we deduct the partial surrender amount (including the partial surrender fee) from your Contract Value in the Subaccounts and Fixed Account. If you provide no directions, we will deduct the partial surrender amount (including the partial surrender fee) from your Contract Value in the Subaccounts and Fixed Account on a pro-rata basis. **Partial surrenders may have adverse tax consequences**. **(See Prospectus "TAX CONSIDERATIONS")**

If Coverage Option A is in effect, we will reduce the Specified Amount by an amount equal to the partial surrender amount, less the excess (if any) of the death benefit over the Specified Amount at the time the partial surrender is made. If Coverage Option B is in effect, we will reduce the Contract Value by the partial surrender amount. If the partial surrender amount is less than the excess of the death benefit over the Specified Amount, we will not reduce the Specified Amount. If Coverage Option C is in effect, any partial surrenders will reduce the amount of total Premiums we use to calculate the death benefit.

We have the right to reject a partial surrender request if:

● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; the partial surrender would reduce the Specified Amount below the minimum amount for which the Contract would be issued under our then-current rules; or

● &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; the partial surrender would cause the Contract to fail to qualify as a life insurance contract under applicable tax laws as we interpret them.

We will process partial surrender requests as of the date we receive your Written Request. We will price a partial surrender request received in good order before the New York Stock Exchange closes for normal trading using the Accumulation Unit values determined at the close of that regular business session of the New York Stock Exchange (usually 3:00 p.m. Central Time). For requests received in good order after the New York Stock Exchange closes, we will price such partial surrender request using the Accumulation Unit values determined at the close of the next regular session of the New York Stock Exchange. Generally, we will make payment within seven calendar days. (See Prospectus "PAYMENT OF PROCEEDS")

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#### ADDITIONAL INFORMATION ABOUT FeeS
The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer cash value between investment options.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Transaction Fees**  | &nbsp;&nbsp; **Transaction Fees**  | &nbsp;&nbsp; **Transaction Fees**  | &nbsp;&nbsp; **Transaction Fees**  |
| &nbsp;&nbsp; **Charge**  | &nbsp;&nbsp; **When Charge is Deducted**  | &nbsp;&nbsp; **Amount Deducted**  | &nbsp;&nbsp; **Amount Deducted**  |
| &nbsp;&nbsp; **Charge**  | &nbsp;&nbsp; **When Charge is Deducted**  | &nbsp;&nbsp; **Guaranteed Charge**  | &nbsp;&nbsp; **Current Charge1**  |
| &nbsp;&nbsp; **Premium Expense Charge**  | &nbsp;&nbsp; Upon receipt of each Premium Payment  | &nbsp;&nbsp; 5% of each Premium Payment  | &nbsp;&nbsp; 5% of each Premium Payment  |
| &nbsp;&nbsp; **Surrender Charge**  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; Upon complete surrender or lapse during the first 10 Contract Years, for Contracts issued on or after January 1, 2020 <br> Upon complete surrender or lapse during the first 15 Contract Years<sup>3</sup>, for Contracts issued before January 1, 2020  | &nbsp;&nbsp; $6.00 - $48.00 per $1,000 of the Specified Amount  | &nbsp;&nbsp; $6.00 - $48.00 per $1,000 of the Specified Amount  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; Upon complete surrender or lapse during the first 10 Contract Years<sup>3</sup>, for Contracts issued on or after January 1, 2020 <br> Upon complete surrender or lapse during the first 15 Contract Years<sup>3</sup>, for Contracts issued before January 1, 2020  | &nbsp;&nbsp; $21.20 per $1,000 of the Specified Amount <br>$21.20 per $1,000 of the Specified Amount  | &nbsp;&nbsp; $21.20 per $1,000 of the Specified Amount <br>$21.20 per $1,000 of the Specified Amount  |
| &nbsp;&nbsp; **Partial Surrender Fee**  | &nbsp;&nbsp; Upon each partial surrender  | &nbsp;&nbsp; The lesser of 2% of the amount surrendered or $25  | &nbsp;&nbsp; The lesser of 2% of the amount surrendered or $25  |
| &nbsp;&nbsp; **Transfer Processing Fee**  | &nbsp;&nbsp; Upon each transfer over 6 in a Contract Year  | &nbsp;&nbsp; $25 per transfer  | &nbsp;&nbsp; $25 per transfer  |
| &nbsp;&nbsp; **Accelerated Death Benefit/Living Benefits Rider**  | &nbsp;&nbsp; On payment of the accelerated death benefit  | &nbsp;&nbsp; $250 processing fee  | &nbsp;&nbsp; $0 processing fee  |
| &nbsp;&nbsp; **Accelerated Death Benefit/Terminal Illness Rider**  | &nbsp;&nbsp; On payment of the accelerated death benefit  | &nbsp;&nbsp; $200 processing fee  | &nbsp;&nbsp; $0 processing fee  |
| &nbsp;&nbsp; **Accelerated Death Benefit for Chronic Illness Rider**  | &nbsp;&nbsp; On payment of the accelerated death benefit  | &nbsp;&nbsp; $250 processing fee  | &nbsp;&nbsp; $0 processing fee  |

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The next table describes the fees and expenses that you will pay periodically during the time that you own the Contract, not including Portfolio Company fees and expenses.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Periodic Charges Other Than Portfolio Operating Expenses**  | &nbsp;&nbsp; **Periodic Charges Other Than Portfolio Operating Expenses**  | &nbsp;&nbsp; **Periodic Charges Other Than Portfolio Operating Expenses**  | &nbsp;&nbsp; **Periodic Charges Other Than Portfolio Operating Expenses**  |
| &nbsp;&nbsp; **Charge**  | &nbsp;&nbsp; **When Charge is Deducted**  | &nbsp;&nbsp; **Amount Deducted**  | &nbsp;&nbsp; **Amount Deducted**  |
| &nbsp;&nbsp; **Charge**  | &nbsp;&nbsp; **When Charge is Deducted**  | &nbsp;&nbsp; **Guaranteed Charge**<sup>1</sup>  | &nbsp;&nbsp; **Current Charge**<sup>1</sup>  |
| &nbsp;&nbsp; **Cost of Insurance**  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On the Allocation Date and each Monthly Anniversary Day  | &nbsp;&nbsp; $0.01 - $83.33 per $1,000 of net amount at risk  | &nbsp;&nbsp; $0.01 - $25.83 per $1,000 of net amount at risk<sup>5</sup>  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On the Allocation Date and each Monthly Anniversary Day <br>| &nbsp;&nbsp; $0.07 per $1,000 of net amount at risk<sup>5</sup> for Contracts issued on or after January 1, 2020  | &nbsp;&nbsp; $0.03 per $1,000 of net amount at risk<sup>5</sup> for Contracts issued on or after January 1, 2020  |
| &nbsp;&nbsp; **Monthly Expense Charge**  |  |  |  |
| &nbsp;&nbsp; Maintenance Charge  | &nbsp;&nbsp; On the Contract Date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $10  | &nbsp;&nbsp; $10  |
| &nbsp;&nbsp; Per Thousand Charge<sup>4</sup>  | &nbsp;&nbsp; On the Contract Date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.00 - $1.36 per $1,000 of Specified Amount  | &nbsp;&nbsp; $0.01 - $1.36 per $1,000 of Specified Amount  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On the Contract Date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.05 per $1,000 of Specified Amount  | &nbsp;&nbsp; $0.05 per $1,000 of Specified Amount  |
| &nbsp;&nbsp; **Mortality and Expense Risk Charge**  | &nbsp;&nbsp; Daily  | &nbsp;&nbsp; Annual rate of 0.90% of the average daily net assets of each Subaccount you are invested in  | &nbsp;&nbsp; Annual rate of 0.90% of the average daily net assets of each Subaccount you are invested in  |
| &nbsp;&nbsp; **Net Loan Interest Charge**  | &nbsp;&nbsp; At the end of each Contract Year <br>| &nbsp;&nbsp; 3% for Contracts issued on or after January 1, 2020  | &nbsp;&nbsp; 3% for Contracts issued on or after January 1, 2020  |
| &nbsp;&nbsp; **Optional Rider Charges**  |  |  |  |
| &nbsp;&nbsp; **Lifetime Guaranteed Minimum Death Benefit**  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.03 per $1,000 of Specified Amount  | &nbsp;&nbsp; $0.01 per $1,000 of Specified Amount  |
| &nbsp;&nbsp; **Disability Continuance of Insurance**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.01 - $0.52 per $1,000 of net amount at risk<sup>5</sup>  | &nbsp;&nbsp; $0.01 - $0.32 per $1,000 of net amount at risk<sup>5</sup>  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.02 per $1,000 of net amount at risk<sup>5</sup>  | &nbsp;&nbsp; $0.01 per $1,000 of net amount at risk<sup>5</sup>  |
| &nbsp;&nbsp; **Disability Premium Benefit Rider**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.08 - $0.32 per $1.00 of rider coverage amount  | &nbsp;&nbsp; $0.04 - $0.15 per $1.00 of rider coverage amount  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $225,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.09 per $1.00 of rider coverage amount  | &nbsp;&nbsp; $0.04 per $1.00 of rider coverage amount  |
| &nbsp;&nbsp; **Accidental Death Benefit**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.08 - $0.16 per $1,000 of rider coverage amount  | &nbsp;&nbsp; $0.08 - $0.16 per $1,000 of rider coverage amount  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.09 per $1,000 of rider coverage amount  | &nbsp;&nbsp; $0.09 per $1,000 of rider coverage amount  |
| &nbsp;&nbsp; **Option to Increase Specified Amount**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.05- $0.18 per $1,000 of rider coverage amount  | &nbsp;&nbsp; $0.05- $0.18 per $1,000 of rider coverage amount  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.16 per $1,000 of rider coverage amount  | &nbsp;&nbsp; $0.16 per $1,000 of rider coverage amount  |
| &nbsp;&nbsp; **Spouse's Term Insurance**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $1.45 - $1.87 per $1,000 of rider coverage amount  | &nbsp;&nbsp; $1.45 - $1.87 per $1,000 of rider coverage amount  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $1.45 per $1,000 of rider coverage amount  | &nbsp;&nbsp; $1.45 per $1,000 of rider coverage amount  |
| &nbsp;&nbsp; **Children's Term Insurance**<sup>4</sup>  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.50 per $1,000 of rider coverage amount  | &nbsp;&nbsp; $0.50 per $1,000 of rider coverage amount  |
| &nbsp;&nbsp; **Other Insured Term Insurance**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day <br>| &nbsp;&nbsp; $0.01 - $83.33 per $1,000 of rider coverage amount  | &nbsp;&nbsp; $0.01 - $30.39 per $1,000 of rider coverage amount  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.07 per $1,000 of rider coverage amount for Contracts issued on or after January 1, 2020  | &nbsp;&nbsp; $0.07 per $1,000 of rider coverage amount for Contracts issued on or after January 1, 2020  |
| &nbsp;&nbsp; Per Thousand Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day for contracts issued on or after January 1, 2020  | &nbsp;&nbsp; $0.03 per $1,000 of rider coverage amount for 10 years  | &nbsp;&nbsp; $0.03 per $1,000 of rider coverage amount for 20 years  |
| &nbsp;&nbsp; **Additional Life Insurance Rider**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.01 - $83.33 per $1,000 of net amount at risk<sup>5</sup>  | &nbsp;&nbsp; $0.01 - $20.26 per $1,000 of net amount at risk<sup>5</sup>  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.07 per $1,000 of net amount at risk<sup>5</sup> for Contracts issued on or after January 1, 2020  | &nbsp;&nbsp; $0.03 per $1,000 of net amount at risk<sup>5</sup> for Contracts issued on or after January 1, 2020  |
| &nbsp;&nbsp; **Monthly Benefit Rider**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.28 - $22.56 per $100 of coverage amount  | &nbsp;&nbsp; $0.27 - $22.05 per $100 of coverage amount  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $1.13 per $100 of coverage amount for a 20 year payout for Contracts issued on or after January 1, 2020  | &nbsp;&nbsp; $1.08 per $100 of coverage amount for a 20 year payout for Contracts issued on or after January 1, 2020  |
| &nbsp;&nbsp; **Acceleration of Death Proceeds/Enhanced Living Benefits Rider**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.06 - $15.00 per $1000 of net amount at risk<sup>5</sup> multiplied by the Benefit Base divided by the Specified Amount of the Contract  | &nbsp;&nbsp; $0.01 - $0.28 per $1,000 of net amount at risk<sup>5</sup> multiplied by the Benefit Base divided by the Specified Amount of the Contract  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.07 per $1,000 of net amount at risk<sup>5</sup> multiplied by the Benefit Base divided by the Specified Amount of the Contract  | &nbsp;&nbsp; $0.02 per $1,000 of net amount at risk<sup>5</sup> multiplied by the Benefit Base divided by the Specified Amount of the Contract  |
| &nbsp;&nbsp; **Enhanced Living Benefits Accelerated Death Benefit Rider**<sup>8</sup>  |  |  |  |
| &nbsp;&nbsp; Minimum and Maximum Charge  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.01 - $0.74 per $1,000 of net amount at risk<sup>5</sup> multiplied by the Benefit Base divided by the Specified Amount of the Contract  | &nbsp;&nbsp; $0.01 - $0.33 per $1,000 of net amount at risk<sup>5</sup> multiplied by the Benefit Base divided by the Specified Amount of the Contract  |
| &nbsp;&nbsp; Charge for a 34 year-old male Preferred Non-Tobacco and a Contract with a $240,000 Specified Amount during the first Contract Year  | &nbsp;&nbsp; On rider's effective date and on each Monthly Anniversary Day  | &nbsp;&nbsp; $0.02 per $1,000 of net amount at risk<sup>5</sup> multiplied by the Benefit Base divided by the Specified Amount of the Contract  | &nbsp;&nbsp; $0.02 per $1,000 of net amount at risk<sup>5</sup> multiplied by the Benefit Base divided by the Specified Amount of the Contract  |

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The next item shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the Contract. A complete list of Portfolio Companies available under the Contract, including their annual expenses, may be found at the back of this document.

For information concerning compensation paid in connection with the sale of the Contracts, see "SALE OF THE CONTRACTS."

#### Annual Portfolio Operating Expenses

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| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp; **<u>Minimum</u>**  | &nbsp;&nbsp; **<u>Maximum</u>**  |
| &nbsp;&nbsp; **Range of Annual Portfolio Operating Expenses** (total of all expenses that are deducted from Portfolio assets, including management fees, distribution or service fees (12b-1 fees), and other expenses-before any contractual waiver of fees and expenses)  | &nbsp;&nbsp; 0.27%  | &nbsp;&nbsp; 1.37%  |

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#### DEFINITIONS

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| | |
|:---|:---|
| &nbsp;&nbsp; Additional Insurance Amount  | &nbsp;&nbsp; The amount of insurance coverage under the Contract which is not part of the Specified Amount. The Guaranteed Minimum Death Benefit Option, if elected, does not guarantee the Additional Insurance Amount.  |
| &nbsp;&nbsp; Cash Surrender Value  | &nbsp;&nbsp; The Contract Value at the time of surrender, less any applicable Surrender Charge and any Contract Loan Balance.  |
| &nbsp;&nbsp; Contract Anniversary  | &nbsp;&nbsp; The same day and month as the Contract Date each year that the Contract remains in force.  |
| &nbsp;&nbsp; Contract Date  | &nbsp;&nbsp; The date on which coverage takes effect. Contract Months, Years and Anniversaries are measured from the Contract Date.  |
| &nbsp;&nbsp; Contract Value  | &nbsp;&nbsp; Measure of the value in your Contract. It is the sum of the Variable Account Value and the Fixed Account Value which includes the Loan Account Value.  |
| &nbsp;&nbsp; Contract Year  | &nbsp;&nbsp; Any period of twelve months starting with the Contract Date or any Contract Anniversary.  |
| &nbsp;&nbsp; Fixed Account Value  | &nbsp;&nbsp; Measure of value accumulating in the Fixed Account.  |
| &nbsp;&nbsp; Grace Period  | &nbsp;&nbsp; A period we provide when there is insufficient value in your Contract and after which the Contract will terminate unless you pay additional Premiums. This period of time gives you the chance to pay enough Premiums to keep your Contract in force.  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Guaranteed Monthly Premium  | &nbsp;&nbsp; A Premium amount which when paid guarantees that your Contract will not lapse during the Guaranteed Payment Period.  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Guaranteed Payment Period  | &nbsp;&nbsp; The period of time during which we guarantee that your Contract will not lapse if you pay the Guaranteed Monthly Premiums.  |
| &nbsp;&nbsp; Home Office  | &nbsp;&nbsp; When the term "Home Office" is used in this Prospectus in connection with transactions under the Contract, it means our Variable Administration office. Transaction requests and other types of Written Notices should be sent to P.O. Box 219364, Kansas City, Missouri 64121-9364. The telephone number at our Variable Administration office is 800-616-3670.  |

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| | |
|:---|:---|
| &nbsp;&nbsp; Loan Balance  | &nbsp;&nbsp; The sum of all outstanding Contract loans plus accrued interest.  |
| &nbsp;&nbsp; Monthly Anniversary Day  | &nbsp;&nbsp; The day of each month on which we make the Monthly Deduction. It is the same day of each month as the Contract Date, or the last day of the month for those months not having such a day.  |
| &nbsp;&nbsp; Monthly Deduction  | &nbsp;&nbsp; The amount we deduct from the Contract Value to pay the cost of insurance charge, monthly expense charge, any applicable increase expense charge, and any charges for supplemental and/or rider benefits. We make the Monthly Deduction as of each Monthly Anniversary Day.  |
| &nbsp;&nbsp; Owner, You, Your  | &nbsp;&nbsp; The person entitled to exercise all rights and privileges of the Contract.  |
| &nbsp;&nbsp; Planned Premiums  | &nbsp;&nbsp; The amount and frequency of Premiums you chose to pay in your last instructions to us. This is the amount we will bill you. It is only an indication of your preferences as to future Premiums.  |
| &nbsp;&nbsp; Premium(s)/Premium Payment(s)  | &nbsp;&nbsp; The amount(s) you pay to purchase the Contract. It includes both Planned Premiums and Unscheduled Premiums.  |
| &nbsp;&nbsp; Proceeds  | &nbsp;&nbsp; The total amount we are obligated to pay.  |
| &nbsp;&nbsp; Specified Amount  | &nbsp;&nbsp; The amount of insurance coverage on the Insured. The actual death benefit will depend upon whether Option A, Option B or Option C is in effect at the time of death.  |
| &nbsp;&nbsp; Subaccounts  | &nbsp;&nbsp; The divisions of the Variable Account. The assets of each Subaccount are invested in a portfolio of a designated mutual fund.  |
| &nbsp;&nbsp; Subaccount Value  | &nbsp;&nbsp; Measure of the value in a particular Subaccount.  |
| &nbsp;&nbsp; Unscheduled Premium  | &nbsp;&nbsp; Any Premium other than a Planned Premium.  |

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| | |
|:---|:---|
| &nbsp;&nbsp; Variable Account Value  | &nbsp;&nbsp; The Variable Account Value is equal to the sum of all Subaccount Values of a Contract.  |
| &nbsp;&nbsp; We, Our, Us  | &nbsp;&nbsp; Kansas City Life Insurance Company  |

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#### APPENDIX A – PORTFOLIO COMPANIES AVAILABLE UNDER THE CONTRACT
The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at https://www.kclife.com/prospectus/default.htm. You can also request this information at no cost by calling us at (800)-616-3670 or by sending an email request to statecompliance@kclife.com.

The current expenses and performance information below reflects the fees and expenses of the Portfolio Companies but do not reflect the other fees and charges that the Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. American Franchise Fund – Series I Shares (Adviser: Invesco Advisers, Inc.).  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.67%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.35%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.87%  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term growth of capital  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. Core Equity Fund – Series I Shares (Adviser: Invesco Advisers, Inc.).  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.80%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16.17%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.81%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.73%  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term growth of capital by investing in health care companies  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. Health Care Fund - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.98%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.33%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.80%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.58%  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)<sup>i</sup><sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - December - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70%<sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.81%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)<sup>i</sup><sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - June - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70%<sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.65%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)<sup>i</sup><sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - March - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70%<sup>i</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.64%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&P 500<sup>®</sup> Index (the "Index") up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund) ii | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. S&P 500 Buffer Fund - September - Series I Shares (Adviser: Invesco Advisers, Inc.)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.78%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term growth of capital  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; AIM Variable Insurance Funds Invesco V.I. Technology Fund – Series I Shares (Adviser: Invesco Advisers, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.96%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20.47%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.30%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.78%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide high total return (including income and capital gains) consistent with preservation of capital over the long term  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Asset Allocation Fund – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.54%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.97%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.77%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. Providing growth of capital is a secondary objective  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Capital Income Builder<sup>®</sup> – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.52% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20.41%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.08%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.59%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Capital World Bond Fund<sup>®</sup> – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.73%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.39%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -2.50%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.23%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term growth of capital  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Global Growth Fund – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.65% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21.62%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.23%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.17%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Achieve long-term growth of capital and income  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Growth-Income Fund – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.53%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18.06%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.90%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.92%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> New World Fund<sup>®</sup> – Class 2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.82% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28.29%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.33%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.25%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide high total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Asset Allocation Fund – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.90%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.67%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.43%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.17%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Produce income and to provide an opportunity for growth of principal consistent with sound common stock investing, while seeking to manage volatility and provide downside protection  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Washington Mutual Investors Fund<sup>SM</sup> – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.88%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.65%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.04%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.18%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Growth of capital while seeking to manage volatility and provide downside protection  | American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Growth Fund – Class P2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.93%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.41%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.96%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.74%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Achieve long-term growth of capital and income while seeking to manage volatility and provide downside protection  | American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk Growth-Income Fund – Class P2 Shares (Adviser: Capital Research and Management Company<sup>SM</sup>; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.88%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.17%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.70%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.98%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide long-term growth of capital while seeking to manage volatility and provide downside protection  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk EUPAC Fund – Class P2 Shares (Formerly American Funds Insurance Series<sup>®</sup> Managed Risk Funds, Managed Risk International Fund – Class P2 Shares) (Adviser: Capital Research and Management Company<sup>SM</sup>; Subadvisor: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.06% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.09%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -0.29%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.90%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The fund seeks long-term capital growth consistent with the preservation of capital. Its secondary goal is current income.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; BNY Mellon Variable Investment Fund Appreciation Portfolio – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Fayez Sarofim Co., LLC (Sarofim & Co.)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.07%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.37%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.92%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The fund seeks capital growth.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; BNY Mellon Variable Investment Fund Small Cap Portfolio – Initial Shares (Formerly BNY Mellon Variable Investment Fund Opportunistic Small Cap Portfolio – Initial Shares) (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management North America, LLC)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.83%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.99%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.26%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.83%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The fund seeks to match the total return of the S&P 500® Index.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; BNY Mellon Stock Index Fund, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Mellon Investments Corporation)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.27%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17.53%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.11%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.52%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The fund seeks long-term capital appreciation. <br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; BNY Mellon Sustainable U.S. Equity Portfolio, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management Limited).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.97%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.93%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.56%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High long-term total return through growth and current income  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Calamos<sup>®</sup> Advisors Trust, Calamos Growth and Income Portfolio (Adviser: Calamos Advisors LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.27%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17.40%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.90%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.72%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Growth of capital  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Mid Cap Growth Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.07% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.86%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.26%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.89%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Seligman Global Technology Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.20% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34.37%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18.42%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22.70%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Small Cap Value Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.10% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.30%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.97%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Achieve high current income and moderate capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federated Hermes Insurance Series Federated Hermes Managed Volatility Fund II – P (Adviser: Federated Hermes Global Investment Management Corp.; Sub-Adviser: Federated Hermes Investment Management Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.97% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.03%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.56%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.85%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Seek high current income  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federated Hermes Insurance Series Federated Hermes High Income Bond Fund II – P (Adviser: Federated Hermes Investment Management Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.81% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.23%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.70%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.59%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide current income consistent with stability of principal and liquidity  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federated Hermes Insurance Series Federated Hermes Government Money Fund II – S (Adviser: Federated Hermes Investment Management Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.63% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.73%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.80%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.73%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Contrafund<sup>®</sup> Portfolio – Service Class 2 (Adviser: Fidelity Management & Research Company (FMR); Sub-Advisors: FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.79%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21.24%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.08%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.49%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom Retirement Portfolio – Service Class 2 (Formerly Fidelity<sup>®</sup> Variable Insurance Products Freedom Income Portfolio – Service Class 2) (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.61%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.31%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.08%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.17%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity® Variable Insurance Products Freedom 2010 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.63%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.26%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.89%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.46%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2015 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.73%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.33%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2020 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.69%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.99%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.57%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.11%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2025 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.23%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.25%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.75%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2030 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.16%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.98%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.61%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2035 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.78%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16.42%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.28%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.72%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2040 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.82%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18.44%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.73%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.59%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2045 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19.53%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.16%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.82%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return (Principal preservation as the Fund approaches its target date is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fidelity<sup>®</sup> Variable Insurance Products Freedom 2050 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19.50%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.15%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.81%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; High total return  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Franklin Templeton Variable Insurance Products Trust, Franklin Global Real Estate VIP Fund – Class 2 (Adviser: Franklin Templeton Institutional, LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.25% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.93%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.36%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.03%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Franklin Templeton Variable Insurance Products Trust, Franklin Small-Mid Cap Growth VIP Fund – Class 2 (Adviser: Franklin Advisers, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.08% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.52%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.03%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.89%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Franklin Templeton Variable Insurance Products Trust, Templeton Developing Markets VIP Fund – Class 2 (Adviser: Templeton Asset Management Ltd.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.36% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46.27%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.46%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.40%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Franklin Templeton Variable Insurance Products Trust, Templeton Foreign VIP Fund – Class 2 (Adviser: Templeton Investment Counsel, LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.07% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 29.19%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.25%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.75%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Capital Appreciation Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.79% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.72%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.16%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.47%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth by investing in common stocks (Income is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Disciplined Core Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.86%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.78%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.39%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century International Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.95% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.98%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.42%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth (Income is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Mid-Cap Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.86% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.99%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.89%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.12%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Ultra® Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.84%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.68%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17.16%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term capital growth (Income is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16.82%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.65%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.23%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long-term total return using a strategy that seeks to protect against U.S. inflation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP American Century Inflation Protection Fund – Service Class (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.71% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.33%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.62%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.61%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation (Achieving current income by investing primarily in equity securities is a secondary objective)  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP JPMorgan Mid Cap Value Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.72%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.63%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.77%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital growth over the long term  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP JPMorgan Small Cap Core Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.77%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.27%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.40%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.95%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide high total return from a portfolio of selected equity securities  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; LVIP JPMorgan U.S. Equity Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.63%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.54%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13.69%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14.84%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Growth Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.73% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.19%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.10%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.60%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Research Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.85%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.15%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12.93%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total return with an emphasis on current income, but also considering capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Total Return Bond Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.53% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.17%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.15%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.63%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total return  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Total Return Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.61% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.16%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.42%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.63%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total return  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust, MFS<sup>®</sup> Utilities Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.78% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.01%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.64%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.49%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total return with an emphasis on high current income, but also considering capital appreciation  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Variable Insurance Trust II MFS<sup>®</sup> Income Portfolio – Initial Class Shares (Adviser: Massachusetts Financial Services Company).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.67% i | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.33%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.66%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.58%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provide income and capital appreciation with less volatility than the fixed income and equity markets as a whole  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Balanced ETF Portfolio – Class 2 Shares (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.76%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.03%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.83%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.92%  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation with less volatility than the equity markets as a whole  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Moderately Aggressive ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.65%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.36%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.13%  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  | &nbsp;&nbsp; **Average Annual Total Returns**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  | &nbsp;&nbsp; **(as of 12/31/2025)**  |
| &nbsp;&nbsp; **Investment Objective**  | &nbsp;&nbsp; **Portfolio Company and Adviser/Subadvisor**  | &nbsp;&nbsp; **Current Expenses**  | &nbsp;&nbsp; **1 year**  | &nbsp;&nbsp; **5 year**  | &nbsp;&nbsp; **10 year**  |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Capital appreciation with less volatility than the equity markets as a whole  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Moderate ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<sup>®</sup> Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC).  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10.36%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.74%  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.72%  |

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&nbsp;&nbsp;&nbsp;&nbsp; <sup>i</sup> Denotes Fund Portfolio and their investment adviser have entered into temporary expense reimbursements and/or fee waivers. See the prospectus for the Fund Portfolio for further information.

&nbsp;&nbsp;&nbsp;&nbsp; <sup>ii</sup> See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT – *Defined Outcome Funds Risks*" in the prospectus and the prospectuses for the Funds for a description of the risks associated with investing in the Invesco V.I. S&P 500 Buffer Funds.

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This Summary Prospectus incorporates by reference the Contract's statutory prospectus and Statement of Additional Information (SAI), both dated May 1, 2026, as amended or supplemented. The SAI may be obtained, free of charge, in the same manner as the prospectus.

**Investment Company Act of 1940 Registration File No. 811-09080**

Contract Identifier C000066427

![](image1.gif)

**3520 Broadway**

**Kansas City, Missouri 64111**

*Kansas City Life's Century II Variable Product Series is distributed by Sunset Financial Services, Inc., a wholly owned subsidiary of Kansas City Life Insurance Company.*

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