# EDGAR Filing Document

**Accession Number:** 0001116625
**File Stem:** 0001193125-26-191347
**Filing Date:** 2026-4
**Character Count:** 40201
**Document Hash:** abbc69f928f869ed00632e004b4c1573
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-191347.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001193125-26-191347

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-41180
- **FILM NUMBER:** 26915324

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

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

## Series and Classes Contracts Data

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

| Class ID   | Class Name                                | Ticker Symbol   |
|:---|:---|:---|
| C000113082 | Security Benefit Advisor Variable Annuity |  |

**SECURITY BENEFIT ADVISOR VARIABLE ANNUITY**

**May 1, 2026**

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

**SBL Variable Annuity Account XIV**

**Updating Summary Prospectus for Existing Investors** 

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

---

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

The Prospectus of the Contract contains more information about the Contract, including its features, benefits and risks. You can find the current Prospectus and other information about the Contract online at https://vpx.broadridge.com/GetContract1.asp?doctype=pros&cid=sblife&fid=814121471. You can also obtain this information at no cost by calling 1-800-888-2461 or by sending an email request to SBLProspectusRequests@securitybenefit.com.

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

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

SB-10009-25 2026/05/01

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**Table of Contents**

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| | |
|:---|:---|
|  | Page |
| **[Special Terms](#xx_6d6a5163-a901-4f3b-8f34-144cba7c777c_1)** | **3**  |
| **[Updated Information About Your Contract](#xx_6d6a5163-a901-4f3b-8f34-144cba7c777c_1)** | **3**  |
| **[Important Information You Should Consider About the Contract](#xx_6d6a5163-a901-4f3b-8f34-144cba7c777c_2)** | **4**  |
| **[Appendix A](#xx_267ed97f-0df9-4676-a6f9-e439fd88e67b_1)[–](#xx_267ed97f-0df9-4676-a6f9-e439fd88e67b_1)[Investment Options Available Under the Contract](#xx_267ed97f-0df9-4676-a6f9-e439fd88e67b_1)** | **A-1**  |
| &nbsp;&nbsp;&nbsp; [Underlying Funds](#xx_267ed97f-0df9-4676-a6f9-e439fd88e67b_1) | A-1  |
| &nbsp;&nbsp;&nbsp; [Fixed Option](#xx_267ed97f-0df9-4676-a6f9-e439fd88e67b_7) | A-7  |

---

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**Special Terms**

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

**Bonus Credit —** An amount added to Contract Value under the Automatic Bonus Credit Rider.

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

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

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

**Contract Value —** The total value of your Contract which includes amounts allocated to the Subaccounts and the Fixed Account as well as any amount set aside in the Loan Account to secure loans as of any Valuation Date.

**Credit Enhancement —** An amount added to Contract Value under the Extra Credit Rider.

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

**Fixed Account —** An account that is part of the Company's General Account to which you may allocate all or a portion of your Contract Value to be held for accumulation at fixed rates of interest (which may not be less than the Guaranteed Rate) declared periodically by the Company.

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

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

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

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

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

**Updated Information About Your Contract**

------

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

**Summary of Recent Contract Changes:**

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

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

Clearbridge Small Cap Growth has reopened and is now available under the Contract.

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

As a result of a fund merger, Fidelity Advisor Dividend Growth merged into Fidelity Dividend Growth Fund which is marketed under the name Fidelity Advisor Dividend Growth.

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

As a result of a fund merger, Fidelity Advisor Real Estate merged into Fidelity Real Estate Investment Portfolio which is marketed under the name Fidelity Advisor Real Estate.

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

As a result of a fund merger, Goldman Sachs Government Income merged into Goldman Sachs U.S. Mortgages which is now available under the Contract.

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

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

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

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| | |
|:---|:---|
| **RISKS** | **Location in Prospectus** |

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

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

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

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

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APPENDIX A

**Investment Options Available Under the Contract**

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**Underlying Funds —** The following is a list of Underlying Funds available under the Contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended or updated from time to time, and can be found online at https://vpx.broadridge.com/GetContract1.asp?doctype=pros&cid=sblife&fid=814121471. You can view, download, and print copies of Underlying Fund documents at this website. You can also request this information at no cost by calling 1-800-888-2461 or by sending an email request to SBLProspectusRequests@securitybenefit.com.

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup>  | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup>  | **1 Year** | **5 Year** | **10 Year** |
| Large Cap <br> Growth<br>| Allspring Growth – Class A<br> *Adviser:* Allspring Funds Management, LLC<br> *Sub-Adviser:* Allspring Global Investments, LLC<br>| 1.18% | &nbsp;&nbsp; 15.16% | &nbsp;&nbsp; 6.03% | 13.83% |
| Large Cap <br> Blend<br>| Allspring Large Cap Core – Class A<br> *Adviser:* Allspring Funds Management, LLC<br> *Sub-Adviser:* Allspring Global Investments, LLC<br>| 1.20% | &nbsp;&nbsp; 17.40% | 15.67% | 13.28% |
| Mid Cap Blend | Allspring Opportunity – Class A<br> *Adviser:* Allspring Funds Management, LLC<br> *Sub-Adviser:* Allspring Global Investments, LLC<br>| 1.19% | &nbsp;&nbsp;&nbsp;&nbsp; 0.49% | &nbsp;&nbsp; 7.53% | 11.00% |
| Small Cap <br> Value<br>| Allspring Small Company Value – Class A<br> *Adviser:* Allspring Funds Management, LLC<br> *Sub-Adviser:* Allspring Global Investments, LLC<br>| 1.30% | &nbsp;&nbsp;&nbsp;&nbsp; 1.77% | &nbsp;&nbsp; 8.81% | &nbsp;&nbsp; 8.76% |
| Intermediate <br> Term Bond<br>| American Century Diversified Bond – Class A<br> *Adviser:* American Century Investment Management, Inc.<br>| 0.85% | &nbsp;&nbsp;&nbsp;&nbsp; 6.79% | -0.75% | &nbsp;&nbsp; 1.52% |
| Large Cap <br> Value<br>| American Century Equity Income – Class A<br> *Adviser:* American Century Investment Management, Inc.<br>| 1.19% | &nbsp;&nbsp; 11.63% | &nbsp;&nbsp; 7.50% | &nbsp;&nbsp; 8.70% |
| Mid Cap Growth | American Century Heritage – Class A<br> *Adviser:* American Century Investment Management, Inc.<br>| 1.25% | &nbsp;&nbsp;&nbsp;&nbsp; 0.28% | &nbsp;&nbsp; 3.60% | 10.50% |
| International <br> Equity<br>| American Century International Growth – Class A<br> *Adviser:* American Century Investment Management, Inc.<br>| 1.47% | &nbsp;&nbsp;&nbsp;&nbsp; 8.68% | &nbsp;&nbsp; 0.10% | &nbsp;&nbsp; 5.25% |
| Large Cap <br> Growth<br>| American Century Select – Class A<br> *Adviser:* American Century Investment Management, Inc.<br>| 1.23% | &nbsp;&nbsp;&nbsp;&nbsp; 9.32% | 11.19% | 14.92% |
| Asset <br> Allocation/<br> Lifestyle<br>| American Century Strategic Allocation: Aggressive – <br> Class A<br> *Adviser:* American Century Investment Management, Inc.<br>| 1.58% | &nbsp;&nbsp; 15.43% | &nbsp;&nbsp; 7.70% | &nbsp;&nbsp; 9.44% |
| Asset <br> Allocation/<br> Lifestyle<br>| American Century Strategic Allocation: Conservative – <br> Class A<br> *Adviser:* American Century Investment Management, Inc.<br>| 1.38% | &nbsp;&nbsp; 10.36% | &nbsp;&nbsp; 4.37% | &nbsp;&nbsp; 5.98% |
| Asset <br> Allocation/<br> Lifestyle<br>| American Century Strategic Allocation: Moderate – Class <br> A<br> *Adviser:* American Century Investment Management, Inc.<br>| 1.51% | &nbsp;&nbsp; 13.43% | &nbsp;&nbsp; 6.10% | &nbsp;&nbsp; 7.88% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Large Cap <br> Growth<br>| American Century Ultra<sup>®</sup> – Class A<br> *Adviser:* American Century Investment Management, Inc.<br>| 1.14% | &nbsp;&nbsp;&nbsp;&nbsp; 5.88% | 10.12% | 16.15% |
| Mid Cap Blend | AMG River Road Mid Cap Value – Class N<br> *Adviser:* AMG Funds LLC<br> *Sub-Adviser:* River Road Asset Management, LLC<br>| 1.14% | &nbsp;&nbsp; 11.75% | 13.50% | &nbsp;&nbsp; 9.79% |
| Mid Cap Growth | Baron Asset – Retail Class<br> *Adviser:* BAMCO, Inc.<br>| 1.31% | &nbsp;&nbsp;&nbsp;&nbsp; 7.94% | &nbsp;&nbsp; 3.29% | 11.15% |
| Small Cap <br> Growth<br>| BlackRock<sup>®</sup> Advantage Small Cap Growth – Class A<br> *Adviser:* BlackRock Advisors, LLC<br>| 1.03% | &nbsp;&nbsp;&nbsp;&nbsp; 8.96% | &nbsp;&nbsp; 2.57% | &nbsp;&nbsp; 9.49% |
| Large Cap <br> Value<br>| BlackRock<sup>®</sup> Equity Dividend – Class A<br> *Adviser:* BlackRock Advisors, LLC<br>| 0.94% | &nbsp;&nbsp; 21.40% | 11.45% | 10.98% |
| Global <br> Allocation<br>| BlackRock<sup>®</sup> Global Allocation – Class A<br> *Adviser:* BlackRock Advisors, LLC<br> *Sub-Adviser:* BlackRock (Singapore) Limited; BlackRock <br> International Limited<br>| 1.14% | &nbsp;&nbsp; 19.38% | &nbsp;&nbsp; 5.49% | &nbsp;&nbsp; 7.22% |
| Large Cap <br> Blend<br>| BNY Mellon Appreciation – Investor Class<br> *Adviser:* BNY Mellon Investment Adviser, Inc.<br> *Sub-Adviser:* Fayez Sarofim & Co., LLC<br>| 0.88% | &nbsp;&nbsp; 10.17% | &nbsp;&nbsp; 9.40% | 12.81% |
| Large Cap <br> Value<br>| BNY Mellon Dynamic Value – Class A<br> *Adviser:* BNY Mellon Investment Adviser, Inc.<br> *Sub-Adviser:* Newton Investment Management North <br> America, LLC<br>| 0.94% | &nbsp;&nbsp; 18.20% | 16.12% | 12.91% |
| Mid Cap Value | BNY Mellon Midcap Value – Class A<br> *Adviser:* BNY Mellon Investment Adviser, Inc.<br> *Sub-Adviser:* Newton Investment Management North <br> America, LLC<br>| 1.16% | &nbsp;&nbsp; 10.04% | &nbsp;&nbsp; 7.87% | &nbsp;&nbsp; 9.43% |
| Specialty | Calamos<sup>®</sup> Growth and Income – Class A<br> *Adviser:* Calamos Advisors LLC<br>| 1.05% | &nbsp;&nbsp; 11.90% | &nbsp;&nbsp; 9.91% | 11.49% |
| High Yield Bond | Calamos<sup>®</sup> High Income Opportunities – Class A<br> *Adviser:* Calamos Advisors LLC<br>| 1.40% | &nbsp;&nbsp;&nbsp;&nbsp; 4.30% | &nbsp;&nbsp; 3.80% | &nbsp;&nbsp; 4.78% |
| Small Cap <br> Growth<br>| ClearBridge Small Cap Growth – Class A<sup>2</sup> <br>*Adviser:* Franklin Templeton Fund Adviser, LLC<br> *Sub-Adviser:* ClearBridge Investments, LLC<br>| 1.20% | &nbsp;&nbsp;&nbsp;&nbsp; 3.24% | -1.50% | &nbsp;&nbsp; 8.65% |
| Intermediate <br> Term Bond<br>| Federated Hermes Corporate Bond – Class A<br> *Adviser:* Federated Investment Management Company<br>| 1.00% | &nbsp;&nbsp;&nbsp;&nbsp; 2.11% | -0.76% | &nbsp;&nbsp; 2.93% |
| Large Cap <br> Blend<br>| Fidelity Advisor<sup>®</sup> Dividend Growth – Class M<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 1.41% | &nbsp;&nbsp; 21.83% | 15.16% | 12.07% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| International <br> Equity<br>| Fidelity Advisor<sup>®</sup> International Capital Appreciation – <br> Class M<sup>2</sup> <br>*Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited; FIL Investment Advisors; FIL Investment <br> Advisors (UK) Limited<br>| 1.39% | &nbsp;&nbsp; 18.13% | &nbsp;&nbsp; 5.65% | &nbsp;&nbsp; 9.08% |
| Large Blend | Fidelity Advisor<sup>®</sup> Leveraged Company Stock – Class M<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 1.23% | &nbsp;&nbsp; 19.67% | 12.65% | 12.66% |
| Multi Cap Blend | Fidelity Advisor<sup>®</sup> New Insights – Class M<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 1.32% | &nbsp;&nbsp; 18.13% | 14.10% | 14.77% |
| Specialty-Sector | Fidelity Advisor<sup>®</sup> Real Estate – Class M<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 1.18% | &nbsp;&nbsp;&nbsp;&nbsp; 1.96% | &nbsp;&nbsp; 4.75% | &nbsp;&nbsp; 4.33% |
| Mid Cap Blend | Fidelity Advisor<sup>®</sup> Stock Selector Mid Cap – Class M<sup>2</sup> <br>*Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 1.22% | &nbsp;&nbsp;&nbsp;&nbsp; 6.02% | &nbsp;&nbsp; 7.76% | &nbsp;&nbsp; 9.72% |
| Small Cap <br> Blend<br>| Fidelity Advisor<sup>®</sup> Value Strategies – Class M<br> *Adviser:* Fidelity Management & Research Company LLC<br> *Sub-Adviser:* FMR Investment Management (UK) <br> Limited; Fidelity Management & Research (Hong Kong) <br> Limited; Fidelity Management & Research (Japan) <br> Limited<br>| 1.21% | &nbsp;&nbsp;&nbsp;&nbsp; 3.98% | 10.61% | &nbsp;&nbsp; 9.92% |
| Emerging <br> Markets<br>| Goldman Sachs Emerging Markets Equity – Service <br> Class<br> *Adviser:* Goldman Sachs Asset Management, L.P.<br>| 1.62% | &nbsp;&nbsp; 32.18% | &nbsp;&nbsp; 0.58% | &nbsp;&nbsp; 7.47% |
| Government <br> Bond<br>| Goldman Sachs U.S. Mortgages – Service Class<br> *Adviser:* Goldman Sachs Asset Management, L.P.<br>| 1.09% | &nbsp;&nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp; N/A | &nbsp;&nbsp;&nbsp; N/A |
| Intermediate <br> Term Bond<br>| Guggenheim Core Bond – Class A<br> *Adviser:* Guggenheim Partners Investment Management, <br> LLC<br>| 0.87% | &nbsp;&nbsp;&nbsp;&nbsp; 3.22% | -1.24% | &nbsp;&nbsp; 2.38% |
| Floating Rate <br> Bond<br>| Guggenheim Floating Rate Strategies – Class A<br> *Adviser:* Guggenheim Partners Investment Management, <br> LLC<br>| 1.17% | &nbsp;&nbsp;&nbsp;&nbsp; 0.72% | &nbsp;&nbsp; 4.73% | &nbsp;&nbsp; 4.22% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| High Yield Bond | Guggenheim High Yield – Class A<br> *Adviser:* Guggenheim Partners Investment Management, <br> LLC<br>| 1.19% | &nbsp;&nbsp;&nbsp;&nbsp; 2.57% | &nbsp;&nbsp; 3.39% | &nbsp;&nbsp; 5.26% |
| Specialty | Guggenheim Macro Opportunities – Class A<br> *Adviser:* Guggenheim Partners Investment Management, <br> LLC<br>| 1.33% | &nbsp;&nbsp;&nbsp;&nbsp; 2.96% | &nbsp;&nbsp; 2.39% | &nbsp;&nbsp; 3.96% |
| Specialty | Guggenheim Managed Futures Strategy – Class P<br> *Adviser:* Security Investors, LLC<br>| 2.00% | &nbsp;&nbsp;&nbsp;&nbsp; 5.50% | &nbsp;&nbsp; 5.30% | &nbsp;&nbsp; 1.76% |
| Specialty | Guggenheim Multi-Hedge Strategies – Class P<br> *Adviser:* Security Investors, LLC<br>| 2.12% | &nbsp;&nbsp;&nbsp;&nbsp; 1.58% | &nbsp;&nbsp; 1.10% | &nbsp;&nbsp; 1.58% |
| Intermediate <br> Term Bond<br>| Guggenheim Total Return Bond – Class A<br> *Adviser:* Guggenheim Partners Investment Management, <br> LLC<br>| 0.83% | &nbsp;&nbsp;&nbsp;&nbsp; 3.56% | -0.87% | &nbsp;&nbsp; 2.64% |
| Large Cap <br> Growth<br>| Invesco American Franchise – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 0.93% | &nbsp;&nbsp; 11.56% | 10.28% | 14.73% |
| Large Cap <br> Value<br>| Invesco Comstock – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 0.80% | &nbsp;&nbsp; 17.15% | 15.24% | 11.90% |
| Emerging <br> Markets<br>| Invesco Developing Markets – Class A<br> *Adviser:* Invesco Advisers, Inc.<br> *Sub-Adviser:* Invesco Asset Management Limited<br>| 1.30% | &nbsp;&nbsp; 21.27% | -1.65% | &nbsp;&nbsp; 5.40% |
| Small Cap <br> Growth<br>| Invesco Discovery – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.03% | &nbsp;&nbsp; 16.52% | &nbsp;&nbsp; 5.84% | 13.46% |
| Mid Cap Growth | Invesco Discovery Mid Cap Growth – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.04% | &nbsp;&nbsp;&nbsp; -0.97% | &nbsp;&nbsp; 2.60% | 10.45% |
| Specialty-Sector | Invesco Energy – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.23% | &nbsp;&nbsp; 12.36% | 23.31% | &nbsp;&nbsp; 5.42% |
| Balanced/Asset <br> Allocation<br>| Invesco Equity and Income – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 0.77% | &nbsp;&nbsp; 12.81% | &nbsp;&nbsp; 8.61% | &nbsp;&nbsp; 8.66% |
| Global Equity | Invesco Global – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.03% | &nbsp;&nbsp;&nbsp;&nbsp; 8.91% | &nbsp;&nbsp; 5.85% | 10.16% |
| Equity Precious <br> Metals<br>| Invesco Gold & Special Minerals – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.05% | 131.03% | 17.54% | 21.07% |
| Mid Cap Blend | Invesco Main Street Mid Cap – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.04% | &nbsp;&nbsp;&nbsp;&nbsp; 8.92% | &nbsp;&nbsp; 8.99% | &nbsp;&nbsp; 9.73% |
| Small Cap <br> Growth<br>| Invesco Small Cap Growth – Class A<sup>2</sup> <br>*Adviser:* Invesco Advisers, Inc.<br>| 1.16% | &nbsp;&nbsp;&nbsp;&nbsp; 5.69% | -0.89% | &nbsp;&nbsp; 8.97% |
| Specialty-Sector | Invesco Technology – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.02% | &nbsp;&nbsp; 19.83% | 10.12% | 15.51% |
| Money Market | Invesco V.I. Government Money Market – Series II<br> *Adviser:* Invesco Advisers, Inc.<br>| 0.63% | &nbsp;&nbsp;&nbsp;&nbsp; 3.76% | &nbsp;&nbsp; 2.85% | &nbsp;&nbsp; 1.77% |
| Multi Cap Value | Invesco Value Opportunities – Class A<br> *Adviser:* Invesco Advisers, Inc.<br>| 1.02% | &nbsp;&nbsp; 20.15% | 19.86% | 14.16% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Large Cap <br> Blend<br>| Janus Henderson Adaptive Risk Managed U.S. Equity – <br> Class S<br> *Adviser:* Janus Henderson Investors US LLC<br>| 1.09% | &nbsp;&nbsp; 12.94% | 10.28% | 10.86% |
| Mid Cap Value | Janus Henderson Mid Cap Value – Class S<br> *Adviser:* Janus Henderson Investors US LLC<br>| 1.32% | &nbsp;&nbsp;&nbsp;&nbsp; 6.38% | &nbsp;&nbsp; 8.46% | &nbsp;&nbsp; 8.34% |
| International <br> Equity<br>| Janus Henderson Overseas – Class S<br> *Adviser:* Janus Henderson Investors US LLC<br>| 1.19% | &nbsp;&nbsp; 28.29% | &nbsp;&nbsp; 8.94% | &nbsp;&nbsp; 8.77% |
| Large Cap <br> Value<br>| NAA Large Cap Value – Class A<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.38% | &nbsp;&nbsp;&nbsp;&nbsp; 8.50% | 10.84% | 10.11% |
| Large Cap <br> Blend<br>| NAA Large Core – Class A<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.25% | &nbsp;&nbsp; 10.52% | 12.18% | 13.28% |
| Mid Cap Growth | NAA Mid Growth – Class A<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.52% | &nbsp;&nbsp;&nbsp; -2.97% | &nbsp;&nbsp; 3.41% | &nbsp;&nbsp; 9.89% |
| Speciality | NAA Opportunity – Class A<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.72% | &nbsp;&nbsp;&nbsp; -6.65% | &nbsp;&nbsp; 3.24% | &nbsp;&nbsp; 2.14% |
| Mid Cap Value | NAA SMid Cap Value – Class A<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.24% | &nbsp;&nbsp;&nbsp;&nbsp; 2.08% | &nbsp;&nbsp; 8.01% | &nbsp;&nbsp; 9.21% |
| Global Equity | NAA World Equity Income – Class A<br> *Adviser:* New Age Alpha Advisors, LLC<br>| 1.59% | &nbsp;&nbsp; 16.55% | &nbsp;&nbsp; 9.88% | &nbsp;&nbsp; 8.99% |
| Large Cap <br> Value<br>| Neuberger Large Cap Value – Advisor Class<br> *Adviser:* Neuberger Berman Investment Advisers LLC<br>| 1.10% | &nbsp;&nbsp; 20.25% | 10.34% | 12.64% |
| Specialty | Neuberger Quality Equity – Trust Class<br> *Adviser:* Neuberger Berman Investment Advisers LLC<br>| 1.04% | &nbsp;&nbsp; 17.18% | 13.68% | 13.28% |
| Global <br> Allocation<br>| Nomura Asset Strategy – Class A<br> *Adviser:* Delaware Management Company<br>| 1.12% | &nbsp;&nbsp; 16.63% | &nbsp;&nbsp; 8.63% | &nbsp;&nbsp; 8.25% |
| Small Cap <br> Growth<br>| North Square Spectrum Alpha – Class A<sup>2</sup> <br>*Adviser:* North Square Investments, LLC<br> *Sub-Adviser:* CSM Advisors, LLC<br>| 1.98% | &nbsp;&nbsp;&nbsp;&nbsp; 9.45% | &nbsp;&nbsp; 4.76% | &nbsp;&nbsp; 8.58% |
| Balanced/Asset <br> Allocation<br>| Northern Global Tactical Asset Allocation – Class A<br> *Adviser:* Northern Trust Investments, Inc.<br>| 0.65% | &nbsp;&nbsp; 14.73% | &nbsp;&nbsp; 5.89% | &nbsp;&nbsp; 6.70% |
| Large Cap <br> Blend<br>| Northern Large Cap Core<sup>2</sup> <br>*Adviser:* Northern Trust Investments, Inc.<br>| 0.55% | &nbsp;&nbsp; 21.75% | 16.52% | 14.29% |
| Large Cap <br> Value<br>| Northern Large Cap Value<br> *Adviser:* Northern Trust Investments, Inc.<br>| 0.77% | &nbsp;&nbsp; 18.00% | 12.21% | 10.58% |
| Large Growth | PGIM Jennison Focused Growth – Class A<br> *Adviser:* PGIM Investments LLC<br> *Sub-Adviser:* Jennison Associates LLC<br>| 1.09% | &nbsp;&nbsp; 15.89% | &nbsp;&nbsp; 7.77% | 15.69% |
| Mid Cap Growth | PGIM Jennison Mid-Cap Growth – Class A<br> *Adviser:* PGIM Investments LLC<br> *Sub-Adviser:* Jennison Associates LLC<br>| 1.04% | &nbsp;&nbsp;&nbsp; -2.75% | &nbsp;&nbsp; 1.99% | &nbsp;&nbsp; 9.60% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Specialty-Sector | PGIM Jennison Natural Resources – Class A<br> *Adviser:* PGIM Investments LLC<br> *Sub-Adviser:* Jennison Associates LLC<br>| 1.26% | &nbsp;&nbsp; 38.59% | 16.70% | 11.04% |
| Small Cap <br> Growth<br>| PGIM Jennison Small Company – Class A<sup>2</sup> <br>*Adviser:* PGIM Investments LLC<br> *Sub-Adviser:* Jennison Associates LLC<br>| 1.12% | &nbsp;&nbsp;&nbsp;&nbsp; 6.88% | &nbsp;&nbsp; 7.22% | 10.47% |
| Small Cap <br> Value<br>| PGIM Quant Solutions Small-Cap Value – Class A<sup>2</sup> <br>*Adviser:* PGIM Investments LLC<br> *Sub-Adviser:* PGIM Quantitative Solutions LLC<br>| 1.15% | &nbsp;&nbsp; 13.35% | 11.57% | &nbsp;&nbsp; 8.52% |
| Specialty | PIMCO All Asset – Class R<br> *Adviser:* Pacific Investment Management Company LLC<br> *Sub-Adviser:* Research Affiliates LLC<br>| 2.56% | &nbsp;&nbsp; 13.91% | &nbsp;&nbsp; 5.07% | &nbsp;&nbsp; 6.32% |
| Specialty-Sector | PIMCO CommodityRealReturn Strategy – Class A<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.38% | &nbsp;&nbsp; 18.80% | 10.44% | &nbsp;&nbsp; 6.33% |
| Emerging <br> Markets Bond<br>| PIMCO Emerging Markets Bond – Class A<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.56% | &nbsp;&nbsp; 15.01% | &nbsp;&nbsp; 2.33% | &nbsp;&nbsp; 5.08% |
| International <br> Bond<br>| PIMCO International Bond (U.S. Dollar-Hedged) – Class <br> R<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.22% | &nbsp;&nbsp;&nbsp;&nbsp; 3.64% | &nbsp;&nbsp; 0.71% | &nbsp;&nbsp; 2.65% |
| Short Term <br> Bond<br>| PIMCO Low Duration – Class R<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.07% | &nbsp;&nbsp;&nbsp;&nbsp; 4.94% | &nbsp;&nbsp; 1.28% | &nbsp;&nbsp; 1.55% |
| Inflation-<br> Protected Bond<br>| PIMCO Real Return – Class R<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.20% | &nbsp;&nbsp;&nbsp;&nbsp; 7.47% | &nbsp;&nbsp; 0.74% | &nbsp;&nbsp; 2.72% |
| Small Cap <br> Blend<br>| PIMCO StocksPLUS<sup>®</sup> Small Fund – Class A<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.38% | &nbsp;&nbsp; 14.54% | &nbsp;&nbsp; 5.21% | &nbsp;&nbsp; 9.50% |
| Intermediate <br> Term Bond<br>| PIMCO Total Return – Class R<br> *Adviser:* Pacific Investment Management Company LLC<br>| 1.12% | &nbsp;&nbsp;&nbsp;&nbsp; 8.69% | -0.27% | &nbsp;&nbsp; 1.95% |
| Small Cap <br> Value<br>| Royce Small-Cap Opportunity – Service Class<br> *Adviser:* Royce & Associates, LP<br>| 1.60% | &nbsp;&nbsp; 11.58% | &nbsp;&nbsp; 9.57% | 12.35% |
| Small Cap <br> Blend<br>| Royce Small-Cap Value – Service Class<br> *Adviser:* Royce & Associates, LP<br>| 1.62% | &nbsp;&nbsp;&nbsp;&nbsp; 6.68% | &nbsp;&nbsp; 9.88% | &nbsp;&nbsp; 7.68% |
| Balanced/Asset <br> Allocation<br>| T. Rowe Price Capital Appreciation – Advisor Class<br> *Adviser:* T. Rowe Price Associates, Inc.<br> *Sub-Adviser:* T. Rowe Price Investment Management, <br> Inc.<br>| 1.01% | &nbsp;&nbsp; 12.16% | &nbsp;&nbsp; 9.18% | 10.95% |
| Large Cap <br> Growth<br>| T. Rowe Price Growth Stock – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.17% | &nbsp;&nbsp; 15.04% | &nbsp;&nbsp; 8.79% | 13.56% |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2010 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 0.99% | &nbsp;&nbsp; 11.19% | &nbsp;&nbsp; 6.15% | &nbsp;&nbsp; 6.63% |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2015 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 0.99% | &nbsp;&nbsp; 11.49% | &nbsp;&nbsp; 6.62% | &nbsp;&nbsp; 6.12% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Type** | **Fund**<br> **Adviser/Sub-Adviser** | **Current**<br> **Expenses**<sup>1</sup> | **1 Year** | **5 Year** | **10 Year** |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2020 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.01% | &nbsp;&nbsp; 11.99% | &nbsp;&nbsp; 7.16% | &nbsp;&nbsp; 7.62% |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2025 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.03% | &nbsp;&nbsp; 12.40% | &nbsp;&nbsp; 7.76% | &nbsp;&nbsp; 6.92% |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2030 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.05% | &nbsp;&nbsp; 13.78% | &nbsp;&nbsp; 8.49% | &nbsp;&nbsp; 8.57% |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2035 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.08% | &nbsp;&nbsp; 15.56% | &nbsp;&nbsp; 9.22% | &nbsp;&nbsp; 7.74% |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2040 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.09% | &nbsp;&nbsp; 16.82% | &nbsp;&nbsp; 9.84% | &nbsp;&nbsp; 9.25% |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2045 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.10% | &nbsp;&nbsp; 17.93% | 10.27% | &nbsp;&nbsp; 8.36% |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2050 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.12% | &nbsp;&nbsp; 18.24% | 10.36% | &nbsp;&nbsp; 7.74% |
| Asset <br> Allocation/Target <br> Date<br>| T. Rowe Price Retirement 2055 – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 1.13% | &nbsp;&nbsp; 18.32% | 10.35% | &nbsp;&nbsp; 7.74% |
| Balanced/Asset <br> Allocation<br>| T. Rowe Price Retirement Balanced – Class R<br> *Adviser:* T. Rowe Price Associates, Inc.<br>| 0.99% | &nbsp;&nbsp; 10.63% | &nbsp;&nbsp; 4.19% | &nbsp;&nbsp; 5.75% |
| Multi-Sector <br> Bond<br>| Victory Pioneer Strategic Income - Class A<br> *Adviser:* Victory Capital Management Inc.<br>| 1.08% | &nbsp;&nbsp;&nbsp;&nbsp; 7.74% | &nbsp;&nbsp; 1.53% | &nbsp;&nbsp; 3.55% |
| Small Cap <br> Value<br>| Victory RS Partners – Class A<sup>2</sup> <br>*Adviser:* Victory Capital Management Inc.<br>| 1.33% | &nbsp;&nbsp;&nbsp; -3.37% | &nbsp;&nbsp; 9.70% | 10.02% |
| Specialty-Sector | Victory RS Science and Technology – Class A<br> *Adviser:* Victory Capital Management Inc.<br>| 1.46% | &nbsp;&nbsp; 11.90% | &nbsp;&nbsp; 0.22% | 14.28% |
| Mid Cap Value | Victory RS Value – Class A<br> *Adviser:* Victory Capital Management Inc.<br>| 1.33% | &nbsp;&nbsp;&nbsp; -1.37% | &nbsp;&nbsp; 8.09% | &nbsp;&nbsp; 8.17% |
| Mid Cap Value | Virtus Ceredex Mid Cap Value Equity – Class A<br> *Adviser:* Virtus Investment Advisers, LLC<br> *Sub-Adviser:* Ceredex Value Advisors LLC<br>| 1.31% | &nbsp;&nbsp; 10.79% | &nbsp;&nbsp; 8.24% | &nbsp;&nbsp; 9.05% |
| &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements | &nbsp;&nbsp;&nbsp;&nbsp; 1<br> Certain Investment Portfolios and their investment advisers have entered into temporary expense reimbursement and/or fee waivers. Please <br> see the Investment Portfolios' prospectuses for additional information regarding these arrangements |
| &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. | &nbsp;&nbsp;&nbsp;&nbsp; 2<br> This fund is no longer available for new transfers. |

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**Fixed Option —** The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below, offer new Fixed Options, and terminate existing Fixed Options. We will provide you with written notice before doing so. Depending on the optional benefits you choose, you may not be able to invest in the Fixed Options, as noted below.

See "The Fixed Account" in the prospectus for a description of the Fixed Investment Options' features.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| Fixed Account | Not applicable | [1%] |

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**Optional Rider Investment Restrictions**

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

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| | | |
|:---|:---|:---|
| **Riders No Longer Available** | **Riders No Longer Available** | **Riders No Longer Available** |
| **Rider** | **Investment Restriction** | **Investment Allocation Impact on Crediting Rate** |
| Guaranteed Minimum Death <br> Benefit at 5%<br>| N/A | The Company will credit a maximum rate of 4% for amounts <br> allocated to the Invesco V.I. Government Money Market <br> Subaccount, the Fixed Account and the Loan Account; however, <br> you will still pay the rider charge applicable to the 5% rate.<br>|
| Guaranteed Growth Death <br> Benefit at 5%, 6% or 7%<br>| N/A | The Company will credit a maximum rate of 4% for amounts <br> allocated to the Invesco V.I. Government Money Market <br> Subaccount, the Fixed Account and Loan Account; however, <br> you will still pay the rider charge applicable to the rate you have <br> selected.<br>|

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

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

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

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

EDGAR contract identifier C000113082

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