# EDGAR Filing Document

**Accession Number:** 0000790162
**File Stem:** 0001193125-26-188917
**Filing Date:** 2026-4
**Character Count:** 101801
**Document Hash:** 0d2d972debd113072c6963d267af78b9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-188917.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001193125-26-188917

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** NML VARIABLE ANNUITY ACCOUNT A
- **CENTRAL INDEX KEY:** 0000790162

**ORGANIZATION NAME:**
- **EIN:** 390509570
- **STATE OF INCORPORATION:** WI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-72913
- **FILM NUMBER:** 26910479

**BUSINESS ADDRESS:**
- **STREET 1:** 720 EAST WISCONSIN AVE
- **CITY:** MILWAUKEE
- **STATE:** WI
- **ZIP:** 53202
- **BUSINESS PHONE:** 4142992508

**MAIL ADDRESS:**
- **STREET 1:** 720 EAST WISCONSIN AVENUE
- **CITY:** MILWAUKEE
- **STATE:** WI
- **ZIP:** 53202

## Series and Classes Contracts Data

### NML VARIABLE ANNUITY ACCOUNT A (Series ID: S000000057)

| Class ID   | Class Name                        | Ticker Symbol   |
|:---|:---|:---|
| C000000092 | Flexible Payment Variable Annuity |  |

Flexible Payment <br> Variable Annuity (Account A)

Issued by The Northwestern Mutual Life Insurance Company through <br> NML Variable Annuity Account A (the "[Separate Account](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)")

[Summary Prospectus](#bookmark_summaryprospectus_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) for New Investors <br>May 1, 2026

This [Summary Prospectus](#bookmark_summaryprospectus_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) summarizes key features of the individual flexible payment deferred variable annuity contract (the "[Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)"). Before you invest, you should also review the [prospectus](#bookmark_prospectus_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) for the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), which contains more information about the [Contract's](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) features, benefits, and risks. This [Summary Prospectus](#bookmark_summaryprospectus_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) describes two classes of the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04): a front-load version (in which a sales charge is assessed when [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are made) and a back-load version (in which a sales charge is assessed if and when amounts are withdrawn). You can find this prospectus and other information about the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), including the annual and semi-annual reports for your underlying [Portfolios,](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) online at www.nmprospectus.com. You can also obtain this information at no cost by calling (866) 910-1232 or by sending an email request to vavldocrequest@northwesternmutual.com.

------

**If you are a new investor in the** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**, you may cancel your Contract within 10 days of receiving it without paying fees or penalties.** <br>In some states, this cancellation period may be longer. Depending on your state of issue, upon cancellation you will receive either a full refund of your [Purchase Payment(s)](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) or your [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). You should review the prospectus, or consult with your financial representative, for additional information about the specific cancellation terms that apply.

------

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

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

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **or passed upon the adequacy of this** [**Summary Prospectus**](#bookmark_summaryprospectus_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**. Any representation to the contrary is a criminal offense.**

Subject to the limitations discussed in the prospectus for the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), you may choose to invest amounts in up to 59 [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)of the [Separate Account](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) as well as available fixed options under certain circumstances. Each [Division](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) of the [Separate Account](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)invests exclusively in shares of a single series of a [Fund](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) (i.e., an underlying [Portfolio)](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04).

![](g162683nwmutual_logo.gif)

90-1765 (0526)

------

**Table of Contents**

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

---

| | |
|:---|:---|
|  | **Page** |
| [Glossary of Special Terms](#xx_9c4b2b57-9666-4500-a1d7-9714b39da3ec_1) | 1  |
| [Overview of the Contract](#xx_d44ed4de-05fc-467b-9d31-17199bf04346_1) | 3  |
| [Important Information You Should Consider About the Contract](#xx_d44ed4de-05fc-467b-9d31-17199bf04346_2) | 4  |
| [Benefits Available Under the Contract](#xx_d44ed4de-05fc-467b-9d31-17199bf04346_6) | 8  |
| [Buying the Contract](#xx_d44ed4de-05fc-467b-9d31-17199bf04346_7) | 9  |
| [Making Withdrawals: Accessing Money in Your Contract](#xx_d44ed4de-05fc-467b-9d31-17199bf04346_8) | 10  |
| [Additional Information About Fees](#xx_d44ed4de-05fc-467b-9d31-17199bf04346_9) | 11  |
| &nbsp;&nbsp;&nbsp; [Contract Fees and Expenses](#xx_d44ed4de-05fc-467b-9d31-17199bf04346_9) | 11  |
| &nbsp;&nbsp;&nbsp; [Annual Portfolio Operating Expenses](#xx_d44ed4de-05fc-467b-9d31-17199bf04346_10) | 12  |
| [Appendix A - Investment Options Available Under the Contract](#xx_250a9905-d778-4271-9b40-5010e13ae9ce_1) | 14  |
| [Additional Information](#xx_63714513-dc01-4fdb-a891-862be625f23e_1) | 19 |

---

------

Glossary of Special Terms

Unless otherwise specified in this prospectus, the words "Northwestern Mutual," "we," "us," "our," and "Company" mean The Northwestern Mutual Life Insurance Company. The words "you" and "your," unless otherwise specified, mean the Contract Owner. We use a number of special terms in this summary prospectus, including the following:

**Accumulation Unit**—An accounting unit of measure representing the Contract Value, before the date on which Annuity Payments begin, in one or more Divisions of the Separate Account. The related term "Accumulation Unit Value" ("AUV") means the value of a particular Accumulation Unit at a particular time and is analogous to, but not the same as, the share price of a mutual fund.

**Annuitant**—The person upon whose life the Contract is issued and Contract benefits depend. The Primary Annuitant is the person upon whose life the Contract is initially issued. The Contingent Annuitant is the person who becomes the Annuitant upon the death of the Primary Annuitant. If the Contract is annuitized under a single life income plan, there will be one Annuitant. If the Contract is annuitized under a joint life income plan, there will be two Joint Annuitants.

**Annuity Payments**— Money we pay under a variable income plan or a fixed income plan during the annuitization phase of the Contract.

**Annuity Unit**—An accounting unit of measure representing the actuarial value of a variable income plan's interest in a Division of the Separate Account after Annuity Payments begin.

**Beneficiary**— A person who receives payments under the Contract pursuant to an Income Plan or upon the death of the Annuitant before the Maturity Date provided that the Annuitant was an Owner of the Contract at the time of death.

**Company**—The Northwestern Mutual Life Insurance Company

**Contract**—The agreement between you and us described in this variable annuity prospectus. During the accumulation period of the Contract, you may invest money under your Contract and any earnings on your investment will accumulate on a tax-deferred basis. During the annuitization period, you receive periodic payments based largely on the amounts you accumulate, all or a portion of which will be taxable as ordinary income.

**Contract Value**—The value of your Contract on any Valuation Date is the sum of: (1) the value of your amounts held in the Divisions of the Separate Account on that Valuation Date; and (2) the sum of your amounts allocated to the Guaranteed Account(s), plus credited interest; less (3) any applicable fees and amounts withdrawn or transferred from the Guaranteed Account(s).

**Division**—A sub-account of the Separate Account, the assets of which are invested exclusively in the shares of one of the Portfolios of the underlying Funds.

**Fund**—A Fund is registered under the Investment Company Act of 1940 (the "1940 Act") as an open-end management investment company or as a unit investment trust, or is not required to be registered under the 1940 Act. A Fund is available as an investment option under the Contract. The assets of each of the Divisions of the Separate Account are used to purchase shares of the corresponding Portfolio of a Fund.

**General Account—**All assets of the Company, other than those held in the Separate Account or in other separate accounts that have been or may be established by the Company.

**Guaranteed Account**—A fixed investment option under the Contract, supported by the assets held in the Company's General Account, that has a term of a specified duration (called a "Guaranteed Period").

**Income Plan**—An optional method of receiving the death benefit, maturity benefit, surrender proceeds or withdrawal proceeds of an insurance policy or annuity contract generally through a series of periodic payments. An Income Plan may also be known as a "payment plan."

**Market Value Adjustment**—An amount that may be credited (or charged) to an amount withdrawn or transferred from a multi-year Guaranteed Account before the end of a Guaranteed Period.

**Maturity Date**—The date, stated on the specifications page of the Contract, on which Purchase Payments must cease and Annuity Payments become payable.

**Northwestern Mutual**—The Northwestern Mutual Life Insurance Company

**Owner**—The person with the sole right to exercise all rights and privileges under the Contract, except as the Contract otherwise provides.

**Portfolio**—A series of a Fund available for investment under the Contract which corresponds to a particular Division of the Separate Account.

**Account A Prospectus**

------

**Prospectus**— The full statutory prospectus for the Contract.

**Purchase Payments**—Money you give us to apply to your Contract. The related term "Net Purchase Payment" refers to Purchase Payments after all applicable deductions.

**Required Minimum Distribution ("RMD")—**A minimum amount that the federal tax law generally requires be withdrawn from certain tax-qualified annuities each year.

**Separate Account**—The account the Company has established pursuant to Wisconsin law for those assets that, although belonging to the Company, are reserved for you and other owners of variable annuity contracts supported by the Separate Account.

**Summary Prospectus**—The summary version of the Contract, which summarizes key information found in the Prospectus for the Contract.

**Valuation Date**—Any day on which the New York Stock Exchange ("NYSE") is open for trading and any other day we are required under the 1940 Act to value assets of a Division of the Separate Account.

**Withdrawal Charge—** A deduction that is made from maturity benefits and withdrawal amounts.

**Account A Prospectus**

------

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

Overview of the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)

The [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is an individual flexible payment variable annuity contract, the purpose of which is primarily to provide for the accumulation of value through variable or fixed investment options, through allocations to a variety of Portfolios and/or fixed account options, and payment of annuity benefits on a fixed or variable basis. The [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is sold for use under a variety of tax-qualified and nontax-qualified plans and may be appropriate if you have a long-term investment horizon. It is not intended for short-term investment and is therefore not appropriate for people who may need to make early or frequent withdrawals or who intend to engage in frequent trading.

During the years when funds may be paid into your [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), known as the accumulation (savings) phase, the earnings accumulate on a tax-deferred basis. The annuitization (income) period begins when you start receiving a stream of periodic [annuity payments](#bookmark_annuitypayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) under your [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) that begin on the date you select, and all or a portion of such payments will be taxed as ordinary income. Once you annuitize your [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), your withdrawal rights will depend on the income plan selected. The amount you accumulate under your [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), including the results of investment performance of your [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and interest earned under the fixed options will determine the amount of your monthly [annuity payments](#bookmark_annuitypayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). The Contract offers 59 [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)in which the [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) invest and two fixed account investment options. **A list of the investment options available under the Contract is provided at the back of this Prospectus (see Appendix A: Investment Options Available Under the** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**).**

In addition to the [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) which vary with the investment experience of the underlying [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) offers two fixed options ([Guaranteed Interest Fund](#bookmark_guaranteedinterestfund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) 1, or GIF 1, and [Guaranteed Interest Fund](#bookmark_guaranteedinterestfund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) 8, or GIF 8) that credit interest at declared rates. If amounts are transferred, withdrawn, surrendered, or annuitized from GIF 8 before the end of its term, we may apply a Market Value Adjustment. A negative Market Value Adjustment will result in the loss of some or all previously credited interest in excess of the minimum guaranteed annual effective interest rate for the GIF 8, if any.

Below are other features and options that the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) offers.

● [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **classes**. The [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) currently offers two classes for new investors, a front-load version (in which a sales charge is assessed when [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are made) and a back-load version (in which a sales charge is assessed if and when amounts are withdrawn).

● **Accessing your money**. During the accumulation phase, you may make a withdrawal of your [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) or surrender the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) by submitting a request in writing or by telephone, subject to our administrative procedures. We will waive the surrender charge for up to 10% of [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) withdrawn each year subject to certain conditions. All withdrawals are subject to the limitations described in the prospectus. Withdrawal rights during the annuitization period will depend on the income plan selected. Any applicable withdrawal (or surrender) charge, market value adjustment, federal/state tax withholding, and/or Express Mail Delivery fee will be assessed against and deducted from the amount withdrawn.

● **Tax treatment**. You may transfer [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) among the [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and the fixed options without tax implications, and earnings (if any) on your investments are generally tax-deferred. You are taxed only when (1) you make a withdrawal or surrender; (2) you receive [annuity payments](#bookmark_annuitypayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) under the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04); or (3) upon payment of the death benefit.

● **Preservation+ Strategy**. You may allocate all or a portion of your initial [Purchase Payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) to the **Preservation+ Strategy**. The **Preservation+ Strategy** is designed to preserve the principal of the amount you allocate to the strategy through the crediting of a fixed rate of interest to the portion invested in GIF 8 while permitting participation in the potential risk and returns of your selected [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). We limit your initial deposit to the **Preservation+ Strategy** to a maximum of $100,000.

● **Asset Allocation Models**. We make available five asset allocation models at no charge. Each model is comprised of a combination of [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) representing various asset classes. The models represent various levels of risk ranging from conservative to very aggressive.

● **Standard Death Benefit**. Your [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) includes a death benefit that will pay your designated beneficiaries (1) the [Contract](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)Value if an [Annuitant](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) dies before the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)[Maturity Date](#bookmark_maturitydate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and on or after his or her 75th birthday, or (2) the greater of the [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) or [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) less any adjustment for each withdrawal if an [Annuitant](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) dies before the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)[Maturity Date](#bookmark_maturitydate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and before his or her 75th birthday. If an [Annuitant](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) dies after the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)[Maturity Date](#bookmark_maturitydate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) or any time after [Annuitant](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Payments begin, no death benefit is payable. The [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) has an Enhanced Death Benefit option available for an additional charge.

● **Additional Features and Services**. We make certain additional services available under the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) at no additional charge:

The Automatic Dollar Cost Averaging Plan allows you to transfer a set amount from the Government Money Market [Division](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) to other [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) on a regular schedule. The [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Rebalancing feature automatically rebalances your [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) among your selected [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) in order to restore your allocation to the original level. You may participate only in one of the Automatic

**Account A Prospectus**

------

Dollar Cost Averaging Plan and [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Rebalancing feature at a time. We also allow automatic transfers or sweeps of interest from the GIF 1 to any combination of the [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) monthly, quarterly, semi-annually or annually. We do not charge for participation in these features.

The Systematic Withdrawal Plan allows you to set up automatic monthly withdrawals from your [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). We will take any withdrawal under this plan proportionally from your [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) in your selected investment options or the investment options you designate subject to certain conditions. We do not charge for participation in this feature.

The Terminal Illness Benefit allows you to withdraw all or a portion of your [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) without incurring a [Withdrawal](#bookmark_withdrawalcharge_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)[Charge](#bookmark_withdrawalcharge_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) if the Primary [Annuitant](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is terminally ill (as defined in the Terminal Illness Benefit Rider) and has a life expectancy of 12 months or less. The Nursing Home Benefit allows you to withdraw all or a portion of your [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) without incurring a [Withdrawal Charge](#bookmark_withdrawalcharge_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) if the Primary [Annuitant](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) has been confined for at least 90 consecutive days to a licensed nursing facility or hospital and certain other conditions are satisfied. See the prospectus for a full explanation of the required conditions. The Terminal Illness and Nursing Home Benefits are not available in New York.

Important Information You Should Consider About the Contract

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> **Prospectus**<br>|
| **Are There Charges** <br> **or Adjustments for** <br> **Early Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** For back-load [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), if you withdraw amounts from or surrender your <br> [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) within eight years following the applicable [Purchase Payment(s)](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), you <br> will be assessed a withdrawal charge of up to 6% of the [Purchase Payment(s)](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). <br> Any applicable withdrawal (or surrender) charge, market value adjustment, <br> federal/state tax withholding, and/or Express Mail Delivery fee will be assessed <br> against and deducted from the amount withdrawn.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> For example, if you surrender your back-load [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) before your first <br> [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) anniversary and your total initial investment was $100,000, you will <br> pay a surrender charge of up to $6,000.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> For a back-load contract, if amounts are transferred, withdrawn, surrendered, <br> or annuitized from GIF 8 prior to the end of a Guaranteed Period, a Market <br> Value Adjustment may apply, which may be negative. A negative Market Value <br> Adjustment will result in the loss of some or all previously credited interest in <br> excess of the minimum guaranteed annual effective interest rate, if any. Yours <br> will be greater if you also have to pay a surrender charge, taxes or tax penalties. | &nbsp;&nbsp; Fee and Expense <br> Tables – Contract <br> Fees and Expenses<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Charges and <br> Adjustments - <br> Adjustments<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Appendix B - Prior <br> Contracts<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** In addition to (or instead of) withdrawal charges and Market Value <br> Adjustments, you may also be charged for other transactions, such as certain <br> tax-related charges, a front-end sales load on front-load [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), as well as <br> charges for expedited delivery or wire transfers.  | &nbsp;&nbsp; Charges and <br> Adjustments<br>|

---

**Account A Prospectus**

------

**FEES, EXPENSES, AND ADJUSTMENTS** **Cross-Reference(s)** **to Location in** **Prospectus** 

**RISKS** 

**Account A Prospectus**

------

---

| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> **Prospectus**<br>|
| **Is This a Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp; **No.** The [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is not a short-term investment and is not appropriate for you <br> if you need ready access to cash. It is intended for retirement and long-term <br> savings. Surrender and withdrawal charges may apply to [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> for up to eight years. Your [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) will be reduced if you withdraw <br> money and withdrawals may be subject to income taxes and tax penalties or <br> other unfavorable treatment. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> A transfer, withdrawal, surrender, or annuitization from GIF 8 prior to the end <br> of a Guaranteed Period may result in a negative Market Value Adjustment. A <br> negative Market Value Adjustment will result in the loss of some or all <br> previously credited interest in excess of the minimum guaranteed annual <br> effective interest rate, if any.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Upon expiration of a Guaranteed Period for GIF 8, any amounts remaining in <br> that Guaranteed Account will be transferred to the Government Money Market <br> Division of the Separate Account, unless you instruct us to allocate the amounts <br> to the other Division(s) of the Separate Account of a new Guaranteed Period <br> for GIF 8. | &nbsp;&nbsp; The Investment <br> Options – Fixed <br> Options<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> The Contract – <br> Generally<br>|
| **What Are the Risks** <br> **Associated with the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp; Investment in the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is subject to the risk of poor investment <br> performance and can vary depending on the performance of the investment <br> options ([Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)) and fixed account options you choose. Each [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> (including any fixed account investment options) will have its own unique risks. <br> You should review these investment options before making an investment <br> decision.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> The [Guaranteed Interest Fund](#bookmark_guaranteedinterestfund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) 8 (GIF 8), a fixed investment option offered <br> under the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), is subject to the risk of negative [Market Value Adjustment](#bookmark_marketvalueadjustment_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> (MVA), which could decrease the amount transferred or withdrawn from the <br> GIF 8. You should carefully consider the effects of a negative MVA before <br> making a transfer or withdrawal from GIF 8. | &nbsp;&nbsp; The Investment <br> Options<br>|
| **What Are the Risks** <br> **Related to the** <br> **Insurance** <br> **Company?**<br>| &nbsp;&nbsp; Investment in the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is subject to the risks related to the Insurance <br> Company ([Northwestern Mutual](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)), and any obligations (including under any <br> fixed account investment options), guarantees, or benefits are subject to the <br> claims-paying ability of [Northwestern Mutual](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). More information about <br> [Northwestern Mutual](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), including its financial strength ratings, is available upon <br> request by calling (888) 455-2232. | The Company  |

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**Account A Prospectus**

------

---

| | | |
|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> **Prospectus**<br>|
| **Are There** <br> **Restrictions on the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp; **Yes.** Transfer requests involving the fixed account options are subject to special <br> restrictions, including individual state law restrictions as to availability or <br> amounts. These options are available only during the accumulation phase of <br> your [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and after your initial investment may be subject to limits on <br> additional amounts, including minimum required investments or maximum <br> limits on total amounts. Transfers out of these fixed options are also subject to <br> specific limitations, including charges, and monies moved out of these options <br> may limit the availability of any positive [market value adjustment](#bookmark_marketvalueadjustment_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) that might <br> otherwise apply.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Transfers among [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are subject to the [Contract's](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) short-term and <br> excessive trading policies.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Under certain circumstances [Northwestern Mutual](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) reserves the right to <br> remove a [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) or substitute another [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) for such [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> The GIF 8 fixed account option may not be available under all Contracts. | &nbsp;&nbsp; The Investment <br> Options – Fixed <br> Options and The <br> Contract – Purchase <br> Payments Under the <br> Contract <br> (Guaranteed <br> Account Investment <br> Minimums and <br> Maximums) <br>The Investment <br> Options (Short Term <br> and Excessive <br> Trading) <br>Contract Owner <br> Services <br> (Substitution of <br> Portfolio Shares and <br> Other Changes)<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Appendix B – Prior <br> Contracts<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Appendix C – State <br> Variations<br>|
| **Are There Any** <br> **Restrictions on** <br> **Contract Benefits?**<br>| &nbsp;&nbsp; **Yes.** Optional benefits may be subject to additional charges that may vary by <br> issue age, are not available for all issue ages, must be elected at issue and <br> cannot be added once it is removed or expires. | &nbsp;&nbsp; The Contract – <br> Death Benefit <br> (Enhanced Death <br> Benefit Examples) <br>|
|  | **TAXES** |  |
| **What Are the** <br> **Contract's Tax** <br> **Implications?**<br>| &nbsp;&nbsp; You should consult with a tax professional to determine the tax implications of <br> an investment in, and payments received under, the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). There is no <br> additional tax benefit if the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is purchased through a tax-qualified plan <br> or individual retirement account (IRA). Withdrawals (and some distributions) <br> will generally be subject to ordinary income tax rates, and may be subject to <br> penalties. | &nbsp;&nbsp; Federal Income <br> Taxes<br>|
|  | **CONFLICTS OF INTEREST** |  |
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; The [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is sold exclusively through financial representatives of <br> [Northwestern Mutual's](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) affiliated broker-dealer, who are compensated with a <br> commission based on a percentage of [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), and [Northwestern](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> [Mutual](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) may share revenue it earns on the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) with its affiliated broker-<br> dealer. These financial representatives may have a financial incentive to offer <br> or recommend the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) over other investments. | &nbsp;&nbsp; Additional <br> Information – The <br> Distributor<br>|
| **Should I Exchange** <br> **My Contract?**<br>| &nbsp;&nbsp; Some financial representatives may have a financial incentive to offer a new <br> contract in place of the one you already own. You should only exchange an <br> existing contract if you determine, after comparing the features, fees and risks <br> of both contracts, and any fees or penalties to terminate the existing contract, <br> that it is preferable to purchase the new [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) rather than continue to own <br> an existing [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). | &nbsp;&nbsp; Additional <br> Information – The <br> Distributor<br>|

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**Account A Prospectus**

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Benefits Available Under the Contract

The following table summarizes information about a variety of standard and optional benefits available under the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). If applicable, information about the fees associated with a benefit included in the table may be found in the Fees and Expense Tables.

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

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Is Benefit** <br> **Standard or** <br> **Optional**<br>| **Maximum Fee** | &nbsp;&nbsp; **Brief Description of Limitations/**<br> **Restrictions**<br>|
| Standard Death <br> Benefit<br>| &nbsp;&nbsp; The [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) provides a death <br> benefit to be paid under a lump <br> sum, fixed or variable income <br> plans or continued in force as a <br> new contract for the payee(s)<br>| Standard | No Charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Only payable if the [Annuitant](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) dies <br> before the [Maturity Date](#bookmark_maturitydate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> ●[Income Plans](#bookmark_incomeplan_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) have their own <br> payout benefit rules at death (see <br> below)<br> ●Is reduced for withdrawals <br> ●If payee elects to continue the <br> [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) in force, additional <br> restrictions may apply<br>|
| Enhanced Death <br> Benefit<br>| &nbsp;&nbsp; An optional enhanced death <br> benefit is available that allows <br> the [Owner](#bookmark_owner_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) to annually "lock in" <br> certain increases in [Contract](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> [Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br>| Optional | 0.40%<sup>1</sup> <br>| &nbsp;&nbsp;&nbsp;&nbsp; ●Not available for all issue ages and <br> enhanced death benefit <br> adjustments are limited by the <br> primary [Annuitant's](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) age<br> ●Must be elected at issue<br> ●Cannot be added once terminated<br> ●There is a charge for this benefit<br>|
| [Income Plans](#bookmark_incomeplan_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) | &nbsp;&nbsp; [Annuity Payments](#bookmark_annuitypayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and death <br> benefit payments are payable <br> under various income plans on a <br> variable or fixed basis <br>| Standard | No charge<sup>2</sup> <br>| &nbsp;&nbsp;&nbsp;&nbsp; ●Plans for [Annuity Payments](#bookmark_annuitypayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) for a <br> specified period are not available <br> for [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) issued after <br> May 1, 2013<br> ●Variable income plans are subject <br> to some [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) charges (as well <br> as expenses of the underlying <br> [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)) and are subject to <br> market risk<br> ●Fixed income plans are funded <br> through withdrawals from the <br> [Separate Account](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and may be <br> subject to a withdrawal charge<br> ●Transfers between [Income Plans](#bookmark_incomeplan_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> are only allowed under limited <br> circumstances <br>|
| Preservation+ <br> Strategy<br>| &nbsp;&nbsp; Allows [Owners](#bookmark_owner_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) to allocate all or <br> a portion of their initial <br> [Purchase Payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) to a strategy <br> designed to preserve the <br> principal of amounts allocated <br> to the strategy through the <br> crediting of a fixed rate of <br> interest to the portion invested <br> in GIF 8 while permitting <br> participation in the potential risk <br> and returns of their selected <br> [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br>| Optional | No Charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Not available for front-load <br> [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> ●Subject to investment minimum <br> and maximums and other <br> conditions <br> ●[Guaranteed Period](#bookmark_guaranteedaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is limited and <br> guaranteed amounts are subject to <br> the claims-paying ability of <br> [Northwestern Mutual](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br>|
| Reinvestment of <br> Redemptions<br>| &nbsp;&nbsp; In certain limited circumstances, <br> allows [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) to be <br> made without the deduction of <br> a sales load, or with a refund of <br> a withdrawal charge <br>| Standard | No Charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Request to void redemption must <br> be made within 60 days without <br> passing the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) anniversary<br> ●Requests will not be processed <br> where redemption proceeds were <br> paid by a check payable to the <br> [Owner](#bookmark_owner_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and cashed or proceeds <br> directly deposited into a bank <br> account<br>|

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**Account A Prospectus**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Is Benefit** <br> **Standard or** <br> **Optional**<br>| **Maximum Fee** | &nbsp;&nbsp; **Brief Description of Limitations/**<br> **Restrictions**<br>|
| Terminal Illness <br> Benefit<br>| &nbsp;&nbsp; Waives withdrawal charges if <br> primary [Annuitant](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is terminally <br> ill<br>| Standard | No Charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Must meet timing and definitional <br> requirements for "terminal illness" <br>|
| Nursing Home <br> Benefit<br>| &nbsp;&nbsp; Waives withdrawal charges if <br> primary [Annuitant](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is confined to <br> a nursing home<br>| Standard | No Charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Applies after first [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> anniversary<br> ●Confinement must be medically <br> necessary for 90 consecutive days<br>|
| Automatic Dollar <br> Cost Averaging<br>| &nbsp;&nbsp; On a periodic basis, <br> automatically transfers a specific <br> amount from the Government <br> Money Market [Division](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) into <br> other [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) you selected<br>| Standard | No charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Cannot use with portfolio <br> rebalancing<br>|
| Systematic <br> Withdrawal Plan<br>| &nbsp;&nbsp; Allows for monthly payments <br> drawn from your investment <br> options during the accumulation <br> phase either proportionately <br> from your investment options or <br> from specific investment options <br>| Standard | No charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Proportionate deductions may be <br> limited for amounts in the <br> Guaranteed Interest [Funds](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> ●Withdrawal charges may apply to <br> amounts in excess of the free <br> withdrawal amount<br> ●Taxes or penalties may apply<br>|
| Special Withdrawal <br> Privilege<br>| &nbsp;&nbsp; Allows the withdrawal of 10% of <br> [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) without a <br> surrender charge<br>| Standard | No Charge | &nbsp;&nbsp;&nbsp;&nbsp; ●[Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) must be at least $10,000<br> ●Applies only after the first [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> anniversary<br>|
| [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> Rebalancing<br>| &nbsp;&nbsp; Automatically rebalances the <br> [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) you select (either <br> monthly, quarterly, semi-<br> annually or annually) to <br> maintain your chosen mix of <br> [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br>| Standard | No charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Ordinarily ends upon transfers from <br> applicable [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br> ●Cannot use with dollar cost <br> averaging<br>|
| Interest Sweeps | &nbsp;&nbsp; Automatically transfers interest <br> from the GIF to any combination <br> of [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<br>| Standard | No charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Minimum [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) required <br> for eligibility<br>|
| Asset Allocation <br> Models<br>| &nbsp;&nbsp; Allocation models are available <br> that comprise a combination of <br> [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) representing various <br> asset classes with various levels <br> of risk tolerance <br>| Standard | No charge | &nbsp;&nbsp;&nbsp;&nbsp; ●Only one model is available at a <br> time<br> ●Models are "static" and therefore <br> the [Owner](#bookmark_owner_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) must make an <br> affirmative election to change <br> models<br> ●Available models may change in the <br> future<br>|

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

<sup>1</sup>

The annual charge for the Optional Enhanced Death Benefit is expressed as a percentage of the entire benefit and varies by issue age.

<sup>2</sup>

Variable income plans continue to be assessed Base Contract Charges.

Buying the Contract

You may make [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) monthly, quarterly, semiannually, annually, or on any other frequency acceptable to us. For back-load [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) in non-tax qualified situations, the minimum initial [Purchase Payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is $5,000. For all other back-load [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), the minimum amount for an initial [Purchase Payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is $100 ($25 if on an Insurance Service Account (ISA)). For front-load [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), the minimum initial [Purchase Payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is $10,000. The minimum amount for each subsequent [Purchase Payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)for all [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is $25, although we may accept lower amounts in certain circumstances. We will accept larger [Purchase](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)[Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) than the minimums, but total [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) under any [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) may not exceed $5,000,000 without our consent. For all [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) may not exceed the applicable federal income tax limits. In certain situations, we may, in our discretion, reduce or waive our minimum [purchase payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) requirements. When initial [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)representing proceeds from rollovers or annuity exchanges are determined to satisfy the front-load [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) minimum based on

**Account A Prospectus**

------

values at the time you sign your application, but the amount subsequently received by us is less than the required minimum due to market value fluctuations and sales or administrative fees charged in connection with the rollover or exchange, we may reduce the required minimum by the sum of any such depreciation and fees.

[Guaranteed Accounts](#bookmark_guaranteedaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are subject to certain investment minimums and maximums in addition to those described above. Amounts that are applied to GIF 8 are subject to an investment minimum of $10,000, unless we consent to a lesser amount. We also limit the maximum amount that may be invested in the [Guaranteed Accounts](#bookmark_guaranteedaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). Without our prior consent, no investment may cause the Accumulation Value of all [Guaranteed Accounts](#bookmark_guaranteedaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) (the sum of all applied amounts and credited interest, less fees and any amounts transferred or withdrawn) to exceed a maximum amount we specify in the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). For [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) currently being issued, the maximum amount specified in the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is $100,000.

We credit Net [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), after deduction of any sales load, to the variable and/or fixed investment options as you direct.

Initial Net [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) allocated to a [Division](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) will be priced at the [Accumulation Unit](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Value determined no later than two [Valuation Dates](#bookmark_valuationdate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) after we receive at our Home Office or a lockbox facility we have designated both your initial [Purchase Payment](#bookmark_purchasepayment_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)and your application in good order. "Good order" means that the application is complete and accurate and all applicable requirements are satisfied. If your application is not in good order, we may take up to five [Valuation Dates](#bookmark_valuationdate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) to resolve the problem. If we are unable to resolve the problem within that time, we will notify you in writing of the reasons for the delay. If you revoke the consent given with your application to hold your initial [Purchase Payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) pending resolution of the problem, we will return your payment. Otherwise, the number of [Accumulation Units](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) you receive for your initial Net Purchase Payment will be determined based upon the valuation of the assets of the [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) you select not later than two [Valuation Dates](#bookmark_valuationdate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) following the date on which the problem is resolved and your application is put into good order. Subsequent Net [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) will be priced based on the next determined [Accumulation Unit](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Value after the payment is received in good order either at the Home Office or a lockbox facility we have designated.

We deem receipt of a [Purchase Payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) to be received on a given [Valuation Date](#bookmark_valuationdate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) if receipt occurs before the close of trading on the NYSE (typically, 4:00 p.m. Eastern Time). If receipt occurs on or after the close of trading on the NYSE, we deem receipt to occur on the following [Valuation Date](#bookmark_valuationdate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). We determine the value of an [Accumulation Unit](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) in each [Division](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) by multiplying the value on the immediately preceding valuation date by the net investment factor for the [Division](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). The net investment factor takes into account the investment experience of the [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and the deduction for any applicable taxes or charges.

Making Withdrawals: Accessing Money in Your Contract

[Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)[Owners](#bookmark_owner_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) may withdraw some or all of the [Accumulation Unit](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Value of their [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) at any time before the [Maturity](#bookmark_maturitydate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)[Date](#bookmark_maturitydate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). We may require that a [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) of at least $2,000 remain after a partial withdrawal. You may instruct us how to allocate your partial withdrawal request among your investments in the [Divisions](#bookmark_division_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and [Guaranteed Accounts](#bookmark_guaranteedaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). If no direction is received, your withdrawal will be deducted proportionately from each of your investments. Withdrawals of amounts from the fixed account options are subject to special restrictions, charges and other adjustments. Any applicable withdrawal (or surrender) charge, market value adjustment, federal/state tax withholding, and/or Express Mail Delivery fee will be assessed against and deducted from the amount withdrawn.

Withdrawals may also be made after the [Maturity Date](#bookmark_maturitydate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). If [Annuity Payments](#bookmark_annuitypayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are being made under variable income plan 1 (Period Certain), the payee may surrender the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and receive the value of the [Annuity Units](#bookmark_annuityunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) credited to his or her [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), less the applicable withdrawal charge. If [Annuity Payments](#bookmark_annuitypayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are being made under variable income plan 2 (Single Life Income with or without Period Certain) and the payee dies during the Period Certain (or if both payees die during the Period Certain of variable income plan 3 (Joint and Survivor Life Income with Period Certain)), the [Beneficiary](#bookmark_beneficiary_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) may surrender the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and receive the withdrawal value of the unpaid payments for the Period Certain. The withdrawal value is based on the [Annuity Unit](#bookmark_annuityunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) value on the withdrawal date, with the unpaid payments discounted at the Assumed Investment Rate.

We process withdrawal requests at the [Accumulation Unit](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Value next determined only after our receipt of your request in good order, which includes satisfaction of all our administrative requirements. Subject to our administrative procedures and our approval, you may request that a withdrawal be processed (or that an [Income Plan](#bookmark_incomeplan_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) start) on a future date you specify. Otherwise, we will pay the amount of any withdrawal from the [Separate Account](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) within at least seven days after we receive the request in good order unless the suspension of payments or transfers provision is in effect or if required by government regulators. Withdrawals reduce your [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and may be subject to unfavorable tax consequences.

**Account A Prospectus**

------

If mandated under applicable law, we may be required to block an [Owner's](#bookmark_owner_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) account and thereby refuse to pay any requests for transfer, partial withdrawal, surrender or death benefits, until instructions are received from the appropriate regulator. We may also be required to provide additional information about an [Owner](#bookmark_owner_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and an [Owner's](#bookmark_owner_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) account to government regulators.

Additional Information About Fees

[Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Fees and Expenses

**The following tables describe the fees, expenses, and adjustments that you will pay when buying, owning, and surrendering or making withdrawals from an Investment Option or the** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**. There are two sets of tables: one for a front-load** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**(in which a sales charge is assessed when** [**Purchase Payments**](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **are made) and one for a back-load** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **(in which a sales charge is assessed if and when amounts are withdrawn). Please refer to your** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **specifications page for information about the specific fees you will pay each year based on the options you have selected.** 

**The Transaction Expenses tables describe the fees and expenses that you will pay at the time that you buy the** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**, surrender, or make withdrawals from an Investment Option or from the Contract, or transfer** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) V**alue between Investment Options. These tables do not include any charge for state premium tax deductions, which we do not charge for at present, but we reserve the right to do so.**

**Each table shows the maximum and current fees and expenses related to the current** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**.** 

Front-Load [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) (in which a sales charge is assessed when [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are made)

---

| | | |
|:---|:---|:---|
| **Transaction Expenses** | **Current** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>1</sup> | **Current** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>1</sup> |
|  | ***Maximum***<br> ***Fee***<br>| ***Current***<br> ***Fee***<br>|
| ***Maximum Sales Load (as a percentage of*** [***Purchase Payments)***](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>2</sup> <br>| ***4.5%*** | ***4.5****%* |
| Withdrawal Charge | &nbsp;&nbsp; N/A | &nbsp;&nbsp; N/A |
| Transfer Fee | &nbsp;&nbsp; N/A | &nbsp;&nbsp; N/A |
| Expedited Delivery Charge<sup>3</sup> | &nbsp;&nbsp; $17 | &nbsp;&nbsp; $17 |
| Wire Transfer Fee<sup>4</sup> <br>| &nbsp;&nbsp; $15 | &nbsp;&nbsp; $15 |

---

The next table describes the fees and expenses that you will pay each year during the time that you own the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) (not including [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) fees and expenses).

If you choose to purchase an optional benefit, you will pay additional charges as shown below.

---

| | | |
|:---|:---|:---|
| **Annual** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **Expenses** | **Current** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>1</sup> | **Current** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>1</sup> |
|  | ***Maximum***<br> ***Fee***<br>| ***Current***<br> ***Fee***<br>|
| ***Administrative Expenses***<sup>5</sup> <br>| ***$30*** | ***$30*** |
| Base Contract Expenses (as a percentage of [Separate Account](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) assets)<sup>6</sup> <br>| 0.75<br> %<br>| 0.45<br> %<br>|
| Optional Enhanced Death Benefit Expenses (as a percentage of the entire benefit)<sup>7</sup> <br>| 0.40<br> %<br>| 0.10<br> %<br>|

---

**Back-Load Contracts (in which a sales charge is assessed if and when amounts are withdrawn)** 

---

| | | |
|:---|:---|:---|
| **Transaction Expenses**  | **Current** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>1</sup> | **Current** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>1</sup> |
|  | ***Maximum***<br> ***Fee***<br>| ***Current***<br> ***Fee***<br>|
| ***Sales Load (as a percentage of*** [***Purchase Payments)***](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>2</sup> <br>| ***N/A*** | ***N/A*** |
| Maximum Withdrawal Charge for Sales Expenses | 6.00<br> %<br>| 6.00<br> %<br>|
| Transfer Fee | &nbsp;&nbsp; N/A | &nbsp;&nbsp; N/A |
| Expedited Delivery Charges<sup>3</sup> <br>| &nbsp;&nbsp; $17 | &nbsp;&nbsp; $17 |
| Wire Transfer Fee<sup>4</sup> <br>| &nbsp;&nbsp; $15 | &nbsp;&nbsp; $15 |

---

We may apply a negative Market Value Adjustment to amounts transferred, withdrawn, surrendered, or annuitized from GIF 8 prior to the end of a Guaranteed Period. A negative Market Value Adjustment may result in the loss of some or all previously credited interest in excess of the minimum guaranteed annual effective interest rate, if any. <br>

**Account A Prospectus**

------

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

<br>The next table describes the fees and expenses that you will pay each year during the time that you own the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) (not including [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) company fees and expenses).

If you choose to purchase an optional benefit, you will pay additional charges as shown below.

---

| | | |
|:---|:---|:---|
| **Annual** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **Expenses** | **Current** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>1</sup> | **Current** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)<sup>1</sup> |
|  | ***Maximum***<br> ***Fee***<br>| ***Current***<br> ***Fee***<br>|
| ***Administrative Expenses***<sup>5</sup> <br>| ***$30*** | ***$30*** |
| Base [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Expenses (as a percentage of [Separate Account](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) assets)<sup>6</sup> <br>| 1.50<br> %<br>| 1.10<br> %<br>|
| Optional Enhanced Death Benefit Expenses (as a percentage of the entire benefit)<sup>7</sup> <br>| 0.40<br> %<br>| 0.10<br> %<br>|

---

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

Each table shows the maximum and current fees and expenses for multiple [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04).

The sales load for a front-load [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) depends on the amount of cumulative [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). For the back-load [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), the base contract expense and the [Withdrawal Charge](#bookmark_withdrawalcharge_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) depend on the length of time amounts have been held under the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and the size of the amounts held. (See "Base Contract Charges" and "Withdrawal Charges—Withdrawal Charge Rates.")

For express mail delivery with signature required; the express mail delivery charge without signature is $15.

We also charge $15 for wire transfers in connection with withdrawals.

We charge an Annual [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Fee of $30. We are currently waiving the Annual [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Fee if [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) less withdrawals equal or exceed $25,000. We reserve the right to change this practice in the future. We will give at least 30 days prior notice.

We reserve the right to increase the current base contract expenses to the maximum annual rate of 0.75% for the front-load [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). For back-load [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), there are two types of [Accumulation Units](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04): "Class A" and "Class B." We reserve the right to increase the current base contract expense to the maximum annual rate of 1.50% for the back-load [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Class B [Accumulation Units](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and 0.75% for back-load Contract Class A [Accumulation Units](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). Under the back-load [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), we convert Class B [Accumulation Units](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) to Class A [Accumulation Units](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) on the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Anniversary if the [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is at least $25,000 and the Class B [Accumulation Units](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) have reached Withdrawal Charge Category Zero. For further information on Class B and Class A [Accumulation](#bookmark_accumulationunit_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)Units, see "Base Contract Charges—Reduction of Charges." The Contracts may provide for charges for transfers between the Divisions of the Separate Account and for premium taxes, but we are not presently assessing such charges.

The maximum charge is for issue age (i.e., the age nearest the Primary [Annuitant's](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) birthday at the time the application is approved) 56-65. The charge is 0.10% for issue age 45 or less and 0.20% for issue age 46-55. The "entire" enhanced death benefit on any [Valuation Date](#bookmark_valuationdate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) equals the greatest of (i) the [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) on that [Valuation Date](#bookmark_valuationdate_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), (ii) the amount of [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) made under the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) (adjusted for any withdrawals), or (iii) the EDB on the most recent [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) anniversary date prior to the Primary [Annuitant's](#bookmark_annuitant_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) 80th birthday, increased by any [Purchase Payments](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) we received since that [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)anniversary and decreased by the percentage of [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) withdrawn since that [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) anniversary. The EDB is available only at the time the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)is issued. At the time of issue, the value of the EDB would be equal to the greater of the Initial [Purchase Payment](#bookmark_purchasepayments_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) or the [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04).

Annual [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Operating Expenses

**The table below shows the minimum and maximum total operating expenses of the** [**Portfolios**](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **that you may pay periodically during the time that you own the** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**. Expenses shown may change over time and may be higher or lower in the future. A complete list of the** [**Portfolios**](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **available under the** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**, including their annual expenses, may be found at the back of this document (i.e., Appendix A: Investment Options Available Under the** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)**).** 

---

| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| &nbsp;&nbsp;&nbsp;&nbsp; **Annual** [**Portfolio**](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **Operating Expenses** (expenses deducted from [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) assets, including management fees, <br> distribution (12b-1) fees, and other expenses as a percentage of average [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) assets)<br>| &nbsp;&nbsp; 0.14% | &nbsp;&nbsp; 2.50% |
| **Annual** [**Portfolio**](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **Operating Expenses After Contractual Fee Waiver or Reimbursement\*** | &nbsp;&nbsp; 0.14% | &nbsp;&nbsp; 2.45% |

---

\*

The "Annual [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Operating Expenses After Contractual Fee Waiver or Reimbursement" line in the above table shows the minimum and maximum fees and expenses as of December 31, 2025 charged by all of the [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce total Annual [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Operating Expenses and will continue for at least one year from the date of this prospectus.

For more information about voluntary fee waivers that may be in place, see the "Charges" section.

**Examples**<sup>1</sup>

**The following Examples are intended to help you compare the cost of investing in the Variable Options with the cost of investing in other annuity contracts that offer variable options. These costs include** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)[**Owner**](#bookmark_owner_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **transaction expenses, annual** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **expenses, and annual** [**Portfolio**](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **expenses.** 

**The Examples assume all Contract value is allocated to the Variable Options. The Examples do not reflect the Market Value Adjustment. Your costs could differ from those shown below if you invest in Fixed Options.** 

**The Examples assume that you invest $100,000 in the Variable Options for the time periods indicated and that your investment has a 5% return each year. The Examples reflect the maximum expenses of the underlying** [**Portfolios**](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **(as set forth above) as well as the Optional Enhanced Death Benefit Maximum Charge. Although your actual costs may be higher or lower than those shown below, based on these assumptions, your costs would be as follows:**

**Account A Prospectus**

------

**Back-Load** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **With the Enhanced Death Benefit** 

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **1 year** | **3 years** | **5 years** | **10 years** |
| If you surrender your <br> [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) at the end of the <br> applicable time period:<br>| &nbsp;&nbsp; $10395 | &nbsp;&nbsp; $19365 | &nbsp;&nbsp; $26438 | &nbsp;&nbsp; $45583 |
| If you annuitize at the end <br> of the applicable time <br> period:<br>| &nbsp;&nbsp; $4395 | &nbsp;&nbsp; $13365 | &nbsp;&nbsp; $22438 | &nbsp;&nbsp; $45583 |
| If you do not surrender <br> your [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04):<br>| &nbsp;&nbsp; $4395 | &nbsp;&nbsp; $13365 | &nbsp;&nbsp; $22438 | &nbsp;&nbsp; $45583 |

---

**Front-Load** [**Contract**](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) **With the Enhanced Death Benefit** 

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **1 year** | **3 years** | **5 years** | **10 years** |
| If you surrender your <br> [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) at the end of the <br> applicable time period:<br>| &nbsp;&nbsp; $7972 | &nbsp;&nbsp; $15158 | &nbsp;&nbsp; $22537 | &nbsp;&nbsp; $41870 |
| If you annuitize at the end <br> of the applicable time <br> period:<br>| &nbsp;&nbsp; $7972 | &nbsp;&nbsp; $15158 | &nbsp;&nbsp; $22537 | &nbsp;&nbsp; $41870 |
| If you do not surrender <br> your [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04):<br>| &nbsp;&nbsp; $7972 | &nbsp;&nbsp; $15158 | &nbsp;&nbsp; $22537 | &nbsp;&nbsp; $41870 |

---

<sup>1</sup>

The charge for the EDB above was determined by multiplying the maximum EDB percentage charge (0.40%) by the entire EDB. The EDB amounts assumed for purposes of this example are equal to the [Contract Value](#bookmark_contractvalue_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) at each anniversary. Such hypothetical amounts are for illustrative purposes only. The $30 annual [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) fee is reflected as 0.00% for the front-load [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and 0.02% for the back-load [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) based on the annual [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) fees collected divided by the average assets attributable to the [Contracts](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) for the fiscal year ended December 31, 2025.

**Please remember that the examples are simply illustrations and do not represent past or future expenses.** Your actual expenses may be higher or lower than those shown in the examples. Similarly, your rate of return may be more or less than the 5% assumed in the examples.

**Account A Prospectus**

------

Appendix A - Investment Options Available Under the Contract

**Portfolios Available Under the Contract**

The following is a list of [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) available under the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). More information about the [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is available in the prospectuses for the [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), which may be amended from time to time and can be found online at www.nmprospectus.com. You can also request this information at no cost by calling (866) 910-1232 or by sending an email request to vavldocrequest@northwesternmutual.com.

The current expenses and performance information below reflects fees and expenses of the [Portfolios](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), but do not reflect the other fees and expenses that your [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) may charge. Expenses would be higher and performance would be lower if these other charges were included. Each [Portfolio's](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) past performance is not necessarily an indication of future performance.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser/Sub-adviser (if applicable)** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment Objective** | **Portfolio and Adviser/Sub-adviser (if applicable)** | **Current Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Long-term growth of <br> capital; current income is <br> a secondary objective<br>**Growth Stock Portfolio**<sup>2</sup>  | &nbsp;&nbsp;&nbsp; Mason Street Advisors, LLC <br> &nbsp;&nbsp;&nbsp;&nbsp;(MSA)/T. Rowe Price <br> Associates, Inc<br>| 0.42%<sup>1</sup> <br>| 19.40% | 11.99% | 14.80% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **Focused Appreciation** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Loomis, Sayles & <br> Company, L.P.<br>| 0.58%<sup>1</sup> <br>| 14.91% | 14.89% | 17.07% |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp; **Large Cap Core Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Wellington <br> Management Company LLP<br>| 0.43%<sup>1</sup> <br>| 16.59% | 12.70% | 13.96% |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp; **Large Cap Blend** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/J.P. Morgan Investment <br> Management, Inc.<br>| 0.70%<sup>1</sup> <br>| 14.34% | 11.77% | 11.98% |
| Investment results that <br> approximate the <br> performance of the <br> Standard & Poor's 500<sup>®</sup> <br> Composite Stock Price <br> Index<br>&nbsp;&nbsp; **Index 500 Stock** <br> **Portfolio**<sup>2</sup><br>| MSA/BlackRock Advisors, LLC | 0.19%<sup>1</sup> <br>| 17.64% | 14.19% | 14.58% |
| Long-term growth of <br> capital; income is a <br> secondary objective<br>&nbsp;&nbsp; **Large Company Value** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>| 0.74%<sup>1</sup> <br>| 14.58% | 9.85% | 9.48% |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp; **Domestic Equity** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Putnam Investment <br> Management, LLC<br>| 0.50%<sup>1</sup> <br>| 14.43% | 8.63% | 8.87% |
| Long-term growth of <br> capital and income<br>**Equity Income Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Associates, Inc<br>| 0.57%<sup>1</sup> <br>| 14.48% | 11.31% | 10.64% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **Mid Cap Growth Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/J.P. Morgan Investment <br> Management, Inc.<br>| 0.54%<sup>1</sup> <br>| 8.32% | 2.51% | 7.81% |
| Investment results that <br> approximate the <br> performance of the <br> Standard & Poor's <br> MidCap 400<sup>®</sup> Stock Price <br> Index<br>&nbsp;&nbsp; **Index 400 Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Northern Trust <br> Investments, Inc.<br>| 0.24%<sup>1</sup> <br>| 7.24% | 8.85% | 10.44% |
| Long-term growth of <br> capital; current income is <br> a secondary objective<br>**Mid Cap Value Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>| 0.71%<sup>1</sup> <br>| 9.16% | 8.96% | 9.25% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **Small Cap Growth Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Wellington <br> Management Company LLP<br>| 0.56% | 6.93% | 1.29% | 8.82% |
| Investment results that <br> approximate the <br> performance of the <br> Standard & Poor's <br> SmallCap 600<sup>®</sup> Index<br>&nbsp;&nbsp; **Index 600 Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Northern Trust <br> Investments, Inc.<br>| 0.26% | 5.78% | 6.98% | 9.48% |

---

**Account A Prospectus**

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser/Sub-adviser (if applicable)** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment Objective** | **Portfolio and Adviser/Sub-adviser (if applicable)** | **Current Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **Small Cap Value** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Investment Management, <br> Inc.<br>| 0.87%<sup>1</sup> <br>| 7.41% | 6.22% | 9.15% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **International Growth** <br> **Portfolio**<sup>2</sup><br>| MSA/FIAM LLC | 0.61%<sup>1</sup> <br>| 18.70% | 6.11% | 9.07% |
| Capital appreciation<br> &nbsp;&nbsp; **Research International** <br> **Core Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Massachusetts <br> Financial Services Company <br>| 0.58%<sup>1</sup> <br>| 22.98% | 5.89% | 7.81% |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp; **International Equity** <br> **Portfolio**<sup>2</sup><br>| MSA/Dodge & Cox | 0.68%<sup>1</sup> <br>| 38.35% | 10.31% | 6.65% |
| Capital appreciation<br> &nbsp;&nbsp; **Emerging Markets Equity** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/abrdn Investments <br> Limited<br>| 0.78%<sup>1</sup> <br>| 34.19% | 1.26% | 6.95% |
| Maximum current income <br> to the extent consistent <br> with liquidity and stability <br> of capital<sup>3</sup> <br>&nbsp;&nbsp; **Government Money** <br> **Market Portfolio**<sup>2</sup><br>| MSA/BlackRock Advisors, LLC | 0.33% | 4.03% | 3.03% | 1.96% |
| Provide as high a level of <br> current income as is <br> consistent with prudent <br> investment risk<br>&nbsp;&nbsp; **Short-Term Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Associates, Inc.<br>| 0.40% | 5.70% | 2.20% | 2.40% |
| Provide as high a level of <br> total return consistent <br> with prudent investment <br> risk; a secondary <br> objective is to seek <br> preservation of <br> shareholders' capital<br>**Select Bond Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp; MSA/Allspring Global <br> Investments, LLC<br>| 0.31%<sup>1</sup> <br>| 7.45% | -0.19% | 2.25% |
| Maximum total return, <br> consistent with <br> preservation of capital <br> and prudent investment <br> management<br>&nbsp;&nbsp; **Long-Term U.S.** <br> **Government Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Pacific Investment <br> Management Company LLC<br>| 2.45%<sup>1</sup> <br>| 6.15% | -7.18% | -0.19% |
| Pursue total return using <br> a strategy that seeks to <br> protect against U.S. <br> inflation<br>&nbsp;&nbsp; **Inflation Managed** <br> **Portfolio**<sup>2</sup> **(formerly** <br> **"Inflation Protection** <br> **Portfolio")**<br>| &nbsp;&nbsp;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>| 0.46%<sup>1</sup> <br>| 6.51% | 0.92% | 2.82% |
| High current income and <br> capital appreciation<br>&nbsp;&nbsp; **High Yield Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Federated Investment <br> Management Company<br>| 0.46% | 8.49% | 4.06% | 5.95% |
| Maximum total return, <br> consistent with prudent <br> investment management<br>&nbsp;&nbsp; **Multi-Sector Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Pacific Investment <br> Management Company LLC<br>| 0.75%<sup>1</sup> <br>| 10.00% | 1.66% | 4.56% |
| Realize as high a level of <br> total return as is <br> consistent with <br> conservative investment <br> risk, through income and <br> secondarily through <br> capital appreciation<br>&nbsp;&nbsp; **Active/Passive** <br> **Conservative Portfolio**<sup>2</sup><br>| MSA | 0.54%<sup>1</sup> <br>| N/A | N/A | N/A |
| Realize as high a level of <br> total return as is <br> consistent with <br> reasonable investment <br> risk through appreciation <br> and income<br>&nbsp;&nbsp; **Active/Passive Balanced** <br> **Portfolio**<sup>2</sup> **(formerly** <br> **"Balanced Portfolio")**<br>| MSA | 0.44%<sup>1</sup> <br>| 12.19% | 4.71% | 6.76% |
| Realize as high a level of <br> total return as is <br> consistent with moderate <br> investment risk through <br> appreciation and <br> secondarily through <br> income<br>&nbsp;&nbsp; **Active/Passive Moderate** <br> **Portfolio**<sup>2</sup>**(formerly** <br> **"Asset Allocation** <br> **Portfolio")**<br>| MSA | 0.49%<sup>1</sup> <br>| 14.46% | 6.36% | 8.21% |

---

**Account A Prospectus**

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser/Sub-adviser (if applicable)** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment Objective** | **Portfolio and Adviser/Sub-adviser (if applicable)** | **Current Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Realize as high a level of <br> total return as is <br> consistent with aggressive <br> investment risk, primarily <br> through appreciation and <br> some income <br>&nbsp;&nbsp; **Active/Passive** <br> **Aggressive Portfolio**<sup>2</sup><br>| MSA | 0.60%<sup>1</sup> <br>| N/A | N/A | N/A |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Active/Passive Very** <br> **Aggressive Portfolio**<sup>2</sup> <br> (formerly "Active/Passive <br> All Equity Portfolio")<br>| MSA | 0.63%<sup>1</sup> <br>| N/A | N/A | N/A |
| Growth of capital<br> &nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **Growth Fund - Class 1A**<sup>4</sup><br>| &nbsp;&nbsp;&nbsp; Capital Research and <br> Management Company <br> &nbsp;&nbsp;&nbsp;&nbsp;(CRMC)<br>| 0.58% | 20.24% | 13.37% | N/A |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **Global Growth Fund -** <br> **Class 1A**<sup>4</sup><br>| CRMC | 0.65%<sup>1</sup> <br>| 21.63% | 8.24% | N/A |
| Long-term capital <br> appreciation<br>&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS New** <br> **World Fund**<sup>®</sup> **- Class 1A**<sup>4</sup><br>| CRMC | 0.82%<sup>1</sup> <br>| 28.27% | 5.32% | N/A |
| Provide as high a level of <br> current income as is <br> consistent with the <br> preservation of capital<br>&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS The** <br> **Bond Fund of America**<sup>®</sup> **-** <br> **Class 1A**<sup>4</sup><br>| CRMC | 0.47%<sup>1</sup> <br>| 7.24% | -0.14% | N/A |
| Provide, over the long <br> term, a high level of total <br> return consistent with <br> prudent investment <br> management <br>&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **Capital World Bond** <br> **Fund**<sup>®</sup> **- Class 1A**<sup>4</sup><br>| CRMC | 0.73% | 9.31% | -2.50% | N/A |
| Provide a high level of <br> current income; a <br> secondary objective is <br> capital appreciation<br>&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **American High-Income** <br> **Trust**<sup>®</sup> **- Class 1A**<sup>4</sup><br>| CRMC | 0.62%<sup>1</sup> <br>| 8.19% | 5.59% | N/A |
| Seek to match the <br> performance of the MSCI <br> EAFE Index in U.S. dollars <br> with net dividends as <br> closely as possible before <br> deduction of fund <br> expenses<br>&nbsp;&nbsp; **BlackRock International** <br> **Index V.I. Fund - Class I**<sup>5</sup><br>| BlackRock Advisors, LLC | 0.27%<sup>1</sup> <br>| 31.37% | 8.88% | 8.18% |
| Maximize total return, <br> consistent with income <br> generation and prudent <br> investment management<br>&nbsp;&nbsp; **BlackRock Total Return** <br> **V.I. Fund - Class I**<sup>5</sup><br>| &nbsp;&nbsp;&nbsp; BlackRock Advisors, LLC/<br> BlackRock International <br> Limited & BlackRock <br> &nbsp;&nbsp;&nbsp;&nbsp;(Singapore) Limited <br>| 0.43%<sup>1</sup> <br>| 8.00% | -0.37% | 2.18% |
| Total return<br> &nbsp;&nbsp; **Cantor Fitzgerald** <br> **Commodity Return** <br> **Strategy Portfolio – Class** <br> **2**<sup>6</sup><br>| &nbsp;&nbsp;&nbsp; O'Connor Alternative <br> Investments, LLC <sup>7</sup> <br>| 0.80%<sup>1</sup> <br>| 15.68% | 10.61% | N/A |
| Long-term capital <br> appreciation<br>&nbsp;&nbsp; **Columbia VP Small Cap** <br> **Value Discovery Fund -** <br> **Class 1**<sup>8</sup> **(formerly "VP** <br> **Small Cap Value Fund")**<br>| &nbsp;&nbsp;&nbsp; Columbia Management <br> Investment Advisers, LLC<br>| 0.91%<sup>1</sup> <br>| 14.99% | 12.48% | 11.48% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Mid Cap** <br> **Portfolio – Initial Class**<sup>9</sup><br>| &nbsp;&nbsp;&nbsp; Fidelity Management & <br> Research Company LLC <br> &nbsp;&nbsp;&nbsp;&nbsp;(FMR)<sup>10</sup> <br>| 0.55% | 11.75% | 10.10% | 10.59% |
| Long-term capital <br> appreciation <br>&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP** <br> **Contrafund**<sup>SM</sup> **Portfolio –** <br> **Initial Class**<sup>9</sup><br>| FMR<sup>10</sup> <br>| 0.54% | 21.52% | 15.37% | 15.78% |
| Capital appreciation<br> &nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Value** <br> **Strategies Portfolio -** <br> **Initial Class**<sup>9</sup><br>| FMR<sup>10</sup> <br>| 0.59% | 7.99% | 12.14% | 10.82% |

---

**Account A Prospectus**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser/Sub-adviser (if applicable)** | **Current Expenses** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment Objective** | **Portfolio and Adviser/Sub-adviser (if applicable)** | **Current Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Capital appreciation<br> &nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Health Care** <br> **Portfolio - Initial Class**<sup>9</sup><br>| FMR<sup>10</sup> <br>| 0.59% | 14.39% | 4.18% | 8.75% |
| Capital appreciation<br> &nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Technology** <br> **Portfolio - Initial Class**<sup>9</sup><br>| FMR<sup>10</sup> <br>| 0.56% | 23.36% | 16.83% | 23.76% |
| Seek to provide <br> investment results that <br> correspond to the <br> aggregate price and <br> interest performance of <br> debt securities in the <br> Bloomberg U.S. Aggregate <br> Bond Index<br>&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Bond Index** <br> **Portfolio - Initial Class**<sup>9</sup><br>| FMR <sup>10</sup> <br>| 0.14% | 6.98% | -0.57% | N/A |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **John Hancock Disciplined** <br> **Value International Trust** <br> **- Series NAV**<sup>11</sup><br>| &nbsp;&nbsp;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Boston Partners <br> Global Investors, Inc.<br>| 0.79% | 41.02% | 12.70% | 8.97% |
| Long-term capital <br> appreciation and current <br> income<br>&nbsp;&nbsp; **John Hancock Real Estate** <br> **Securities Trust - Series** <br> **NAV**<sup>11</sup><br>| &nbsp;&nbsp;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Wellington <br> Management Company LLP<br>| 0.76%<sup>1</sup> <br>| 0.63% | 5.77% | 5.91% |
| High level of current <br> income<br>&nbsp;&nbsp; **John Hancock Strategic** <br> **Income Opportunities** <br> **Trust - Series NAV**<sup>11</sup><br>| &nbsp;&nbsp;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Manulife <br> Investment Management <br> &nbsp;&nbsp;&nbsp;&nbsp;(US) LLC<br>| 0.74%<sup>1</sup> <br>| 7.51% | 1.61% | 3.26% |
| Long-term growth of <br> capital by investing <br> primarily in securities of <br> companies that meet the <br> Portfolio's environmental, <br> social and governance <br> criteria<br>&nbsp;&nbsp; **Quality Equity Portfolio**<sup>12</sup> <br> **(formerly "Sustainable** <br> **Equity Portfolio")**<br>| &nbsp;&nbsp;&nbsp; Neuberger Berman <br> Investment Advisers LLC<br>| 0.87%  | 13.71% | 12.83% | 12.94% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **U.S. Strategic Equity** <br> **Fund**<sup>13</sup><br>| &nbsp;&nbsp;&nbsp; Russell Investment <br> Management LLC (RIM)<sup>14</sup><br>| 0.87%<sup>1</sup> <br>| 14.43% | 10.66% | 12.45% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **U.S. Small Cap Equity** <br> **Fund**<sup>13</sup><br>| RIM<sup>14</sup> | 1.06%<sup>1</sup> <br>| 8.34% | 7.15% | 8.98% |
| Current income and long-<br> term growth of capital<br>&nbsp;&nbsp; **Global Real Estate** <br> **Securities Fund**<sup>13</sup><br>| RIM<sup>14</sup> | 0.90% | 8.59% | 2.55% | 3.57% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp; **International Developed** <br> **Markets Fund**<sup>13</sup><br>| RIM<sup>14</sup> | 0.95%<sup>1</sup> <br>| 28.64% | 8.53% | 7.51% |
| Provide total return<br> **Strategic Bond Fund**<sup>13</sup> | RIM<sup>14</sup> | 0.65%<sup>1</sup> <br>| 7.35% | -1.07% | 1.77% |
| Current income and <br> moderate long-term <br> capital appreciation<br>&nbsp;&nbsp; **LifePoints**<sup>®</sup> **Variable** <br> **Target Portfolio Series** <br> **Moderate Strategy** <br> **Fund**<sup>13</sup><br>| RIM<sup>14</sup> | 0.83%<sup>1</sup> <br>| 12.24% | 3.96% | 5.05% |
| Above-average long-term <br> capital appreciation and a <br> moderate level of current <br> income<br>&nbsp;&nbsp; **LifePoints**<sup>®</sup> **Variable** <br> **Target Portfolio Series** <br> **Balanced Strategy Fund**<sup>13</sup><br>| RIM<sup>14</sup> | 0.89%<sup>1</sup> <br>| 14.96% | 6.39% | 6.88% |
| High long-term capital <br> appreciation; and as a <br> secondary objective, <br> current income<br>&nbsp;&nbsp; **LifePoints**<sup>®</sup> **Variable** <br> **Target Portfolio Series** <br> **Aggressive Strategy** <br> **Fund**<sup>13</sup><br>| RIM<sup>14</sup> | 0.95%<sup>1</sup> <br>| 17.45% | 8.56% | 8.59% |
| High long-term capital <br> appreciation<br>&nbsp;&nbsp; **LifePoints**<sup>®</sup> **Variable** <br> **Target Portfolio Series** <br> **Equity Aggressive** <br> **Strategy Fund**<sup>13</sup><br>| RIM<sup>14</sup> | 0.98%<sup>1</sup> <br>| 18.47% | 9.53% | 9.23% |

---

<sup>1</sup>

This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the [Portfolio's](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) registration statement. This agreement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.

<sup>2</sup>

A series of Northwestern Mutual Series Fund, Inc., for which Mason Street Advisors, LLC (MSA), our wholly-owned company, serves as investment adviser.

**Account A Prospectus**

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<sup>3</sup>

Although the Government Money Market [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) seeks to preserve its value at $1.00 per share, it is possible to lose money by investing in the Government Money Market [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04). An investment in a money market [portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is neither [insured](#bookmark_insured_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) nor guaranteed by the Federal Deposit Insurance Corporation or any government agency. During extended periods of low interest rates, the yield of a money market [portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) may also become extremely low and possibly negative.

<sup>4</sup>

A series of American [Funds](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Insurance Series<sup>®</sup>.

<sup>5</sup>

The BlackRock International Index V.I. [Fund](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and BlackRock Total Return V.I. [Fund](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are series of BlackRock Variable Series [Funds](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), Inc. and BlackRock Variable Series [Funds](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) II, Inc., respectively.

<sup>6</sup>

A series of Cantor Fitzgerald Variable Insurance Trust (formerly "Credit Suisse Trust").

<sup>7</sup>

Effective March 31, 2026, O'Connor Alternative Investments, LLC succeeded UBS Asset Management (Americas) LLC as the Portfolio's investment adviser.

<sup>8</sup>

A series of Columbia [Funds](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Variable Insurance Trust.

<sup>9</sup>

The Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is a series of Variable Insurance Products [Fund](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) II. The Fidelity<sup>®</sup> VIP Mid Cap [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and Fidelity<sup>®</sup> VIP Value Strategies [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are each a series of Variable Insurance Products [Fund](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) III. The Fidelity<sup>®</sup> VIP Health Care [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and Fidelity<sup>®</sup> VIP Technology [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are each a series of Variable Insurance Products [Fund](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) IV. The Fidelity<sup>®</sup> VIP Bond Index [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is a series of Variable Insurance Products [Fund](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) V.

<sup>10</sup>

The following affiliates of Fidelity Management & Research Company also assist with foreign investments for each Portfolio: Fidelity Management & Research (U.K.) Inc., Fidelity Management & Research (Hong Kong) Limited, and Fidelity Management & Research (Japan) Inc.

<sup>11</sup>

A series of John Hancock Variable Insurance Trust.

<sup>12</sup>

A series of Neuberger Berman Advisers Management Trust.

<sup>13</sup>

A series of Russell Investment [Funds](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04).

<sup>14</sup>

Assets of each [Portfolio](#bookmark_portfolio_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are invested by one or more investment management organizations researched and recommended by Russell Investment Management LLC, the investment adviser for the Russell Investment [Funds](#bookmark_fund_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04).

**Fixed Account Investment Options Available Under the Contract**

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 notice before doing so. See "The Investment Options - Fixed Option(s)" above for more information.

**Note: If amounts are withdrawn from Guaranteed Interest Fund 8 before the end of its term, we will apply a Market Value Adjustment. A negative Market Value Adjustment will result in the loss of some or all previously credited interest in excess of the minimum guaranteed annual effective interest rate for GIF 8, if any. See "Charges and Adjustments – Adjustments" for more information.** 

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| Guaranteed Interest Fund 1 | 1 Year | 0.50% |
| Guaranteed Interest Fund 8 | 8 Years | 0.50% |

---

**Account A Prospectus**

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Additional Information

More information about the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and [Separate Account](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) is included in a Statement of Additional Information ("SAI"), which is dated the same day as this [Summary Prospectus](#bookmark_summaryprospectus_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and the [Prospectus](#bookmark_prospectus_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), and is available free of charge from The [Northwestern](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04)[Mutual](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) Life Insurance Company. To request a free copy of the [Separate Account's](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) SAI, or current annual report, send a written request to [Northwestern Mutual](#bookmark_northwesternmutual_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04), Risk Products Department, Room T10, 720 East Wisconsin Avenue, Milwaukee, WI 53202 or call us at (866) 910-1232. Under certain circumstances you or your Financial Representative may be able to obtain these documents online at www.nmprospectus.com. Reports and other information about the [Separate Account](#bookmark_separateaccount_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) are available on the SEC's Internet site at www.sec.gov, or they may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

This [Summary Prospectus](#bookmark_summaryprospectus_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) incorporates by reference the [Prospectus](#bookmark_prospectus_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) for the [Contract](#bookmark_contract_c5c0dbbf-e8bd-4d02-b6bf-8ed96c8cbc04) and the SAI, both dated May 1, 2026, as amended or supplemented. <br>

Edgar Contract Identifier C000000092 <br>

**Account A Prospectus**

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