# EDGAR Filing Document

**Accession Number:** 0001817186
**File Stem:** 0001104659-26-044979
**Filing Date:** 2026-4
**Character Count:** 94598
**Document Hash:** d1a78b84f97bc41cfa616f0fdd675a30
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-044979.hdr.sgml**: 20260417

**ACCESSION NUMBER**: 0001104659-26-044979

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260417

**DATE AS OF CHANGE**: 20260417

**EFFECTIVENESS DATE**: 20260417

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PLICO Variable Annuity Account S
- **CENTRAL INDEX KEY:** 0001817186

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

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-240102
- **FILM NUMBER:** 26872703

**BUSINESS ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223
- **BUSINESS PHONE:** 2052682988

**MAIL ADDRESS:**
- **STREET 1:** 2801 HIGHWAY 280 SOUTH
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35223

## Series and Classes Contracts Data

### PLICO Variable Annuity Account S (Series ID: S000069680)

| Class ID   | Class Name                               | Ticker Symbol   |
|:---|:---|:---|
| C000222250 | Schwab Genesis Advisory Variable Annuity |  |

**Supplement Dated April 29, 2026, (for Applications signed (or purchases under the RightTime option) on or after January 18, 2023) to the** 

**Prospectuses dated April 29, 2026, for Schwab Genesis Advisory Variable Annuity contracts**

**Issued by** 

**Protective Life Insurance Company** 

**PLICO Variable Annuity Account S**

***This Rate Sheet Prospectus Supplement should be read carefully and retained with the Prospectus dated April 29, 2026, for the Schwab Genesis Advisory* V*ariable Annuity. You may obtain a current Prospectus by visiting www.protective.com/productprospectus or by calling 1-800-456-6330.***

This Rate Sheet Prospectus Supplement provides the current SecurePay Fee as described in the "PROTECTED LIFETIME INCOME BENEFIT - SecurePay Fee" section of the Prospectus. It also describes the current Maximum Withdrawal Percentage under the SecurePay Life living benefit rider as described in the "PROTECTED LIFETIME INCOME BENEFIT - Determining the Amount of Your SecurePay Withdrawals" section of the Prospectus. This Supplement must be used in conjunction with an effective Schwab Genesis Advisory variable annuity Prospectus.

The Rate Sheet Prospectus Supplement and rates below are effective until superseded by a subsequent Rate Sheet Prospectus Supplement. For applications signed (or purchases under the RightTime option) on or after January 18, 2023, and that we receive in Good Order, we will apply the rates in this supplement up until 10 calendar days after we issue a new rate sheet supplement. We must also receive at least the minimum initial Purchase Payment ($5,000) within the ten calendar days. **No new Rate Sheet Prospectus Supplement that supersedes a prior Rate Sheet Prospectus Supplement with new rates will become effective unless it is filed at least 10 business days before the effective date of the new Rate Sheet Prospectus Supplement. Any new Rate Sheet Prospectus Supplement will be sent to existing Contract Owners and can be obtained as outlined below.**

Before submitting your application for a Schwab Genesis Advisory variable annuity, please obtain a current Rate Sheet Prospectus Supplement. To obtain a current Rate Sheet Prospectus Supplement:

● Contact your financial advisor

● Contact us toll-free at 1-800-456-6330

● Go to www.protective.com/productprospectus

● Go to <u>www.sec.gov</u> under File No. 333-240102.

**SECUREPAY FEE**

The current SecurePay Fee applicable to your Contract is as follows:

---

| | |
|:---|:---|
| Purchase of SecurePay Life rider at Contract Purchase (as an annualized percentage of the Benefit Base) | 1.10% |
| Purchase of SecurePay Life rider under RightTime (as an annualized percentage of the Benefit Base) | 1.10% |

---

**MAXIMUM WITHDRAWAL PERCENTAGE**

The Maximum Withdrawal Percentage applicable to your Contract will not change for the life of your Contract.

---

| | | |
|:---|:---|:---|
| **Age of (Younger) Covered Person on<br> the Benefit Election Date** | **(One Covered Person) <br> Withdrawal Percentage (as a<br> percentage of the Benefit Base)** | **(Two Covered Persons)<br> Withdrawal Percentage (as a <br> percentage of the Benefit<br> Base)** |
| **At least 59 but less than 61 years old** | **4.00%** | **3.50%** |
| **At least 61 but less than 62 years old** | **4.25%** | **3.75%** |
| **At least 62 but less than 63 years old** | **4.50%** | **4.00%** |
| **At least 63 but less than 64 years old** | **4.75%** | **4.25%** |
| **At least 64 but less than 65 years old** | **5.00%** | **4.50%** |
| **At least 65 but less than 66 years old** | **5.25%** | **4.75%** |
| **At least 66 but less than 67 years old** | **5.30%** | **4.80%** |
| **At least 67 but less than 68 years old** | **5.35%** | **4.85%** |
| **At least 68 but less than 69 years old** | **5.40%** | **4.90%** |
| **At least 69 but less than 70 years old** | **5.45%** | **4.95%** |
| **At least 70 but less than 71 years old** | **5.50%** | **5.00%** |
| **At least 71 but less than 72 years old** | **5.55%** | **5.05%** |
| **At least 72 but less than 73 years old** | **5.60%** | **5.10%** |
| **At least 73 but less than 74 years old** | **5.65%** | **5.15%** |
| **At least 74 but less than 75 years old** | **5.70%** | **5.20%** |
| **At least 75 but less than 76 years old** | **5.75%** | **5.25%** |
| **At least 76 but less than 77 years old** | **5.80%** | **5.30%** |

---

---

| | | |
|:---|:---|:---|
| **Age of (Younger) Covered Person on<br> the Benefit Election Date** | **(One Covered Person) <br> Withdrawal Percentage (as a<br> percentage of the Benefit Base)** | **(Two Covered Persons)<br> Withdrawal Percentage (as a <br> percentage of the Benefit<br> Base)** |
| **At least 77 but less than 78 years old** | **5.85%** | **5.35%** |
| **At least 78 but less than 79 years old** | **5.90%** | **5.40%** |
| **At least 79 but less than 80 years old** | **5.95%** | **5.45%** |
| **At least 80 but less than 81 years old** | **6.00%** | **5.50%** |
| **At least 81 but less than 82 years old** | **6.05%** | **5.55%** |
| **At least 82 but less than 83 years old** | **6.10%** | **5.60%** |
| **At least 83 but less than 84 years old** | **6.15%** | **5.65%** |
| **At least 84 but less than 85 years old** | **6.20%** | **5.70%** |
| **At least 85 but less than 86 years old** | **6.25%** | **5.75%** |
| **At least 86 but less than 87 years old** | **6.30%** | **5.80%** |
| **At least 87 but less than 88 years old** | **6.35%** | **5.85%** |
| **At least 88 but less than 89 years old** | **6.40%** | **5.90%** |
| **At least 89 but less than 90 years old** | **6.45%** | **5.95%** |
| **At least 90 but less than 91 years old** | **6.50%** | **6.00%** |
| **At least 91 but less than 92 years old** | **6.55%** | **6.05%** |
| **At least 92 but less than 93 years old** | **6.60%** | **6.10%** |
| **At least 93 but less than 94 years old** | **6.65%** | **6.15%** |
| **At least 94 but less than 95 years old** | **6.70%** | **6.20%** |
| **At least 95 or more** | **6.75%** | **6.25%** |

---

*If you have any questions regarding this Rate Sheet Prospectus Supplement, please contact your financial advisor or us toll free at 1-800-456-6330.* **Please keep this Rate Sheet Prospectus Supplement for future reference.** 

[**TABLE OF CONTENTS**](#TOC)

#### Summary Prospectus for New Investors

#### April 29, 2026

---

| | |
|:---|:---|
| ***Schwab Genesis Advisory Variable Annuity™***  | *Protective Life Insurance Company<br>PLICO Variable Annuity Account S <br>P.O. Box 10648 <br>Birmingham, Alabama 35202-0648 <br>Telephone: 1-800-456-6330 <br>www.protective.com*  |

---

This Summary Prospectus summarizes key features of the Schwab Genesis Advisory Variable Annuity Contract (the "Contract"). You should read this Summary Prospectus carefully, particularly the section titled Important Information You Should Consider About the Contract. The Contract is designed for investors who desire to accumulate capital on a tax deferred basis for retirement or other long term investment purposes, is not a short-term investment, and is not appropriate for an investor who needs ready access to cash. The Contract is a complex investment and involves risks, including potential loss of principal. Withdrawals could result in taxes and tax penalties.

Before you invest, you should review the prospectus for the Schwab Genesis Advisory Variable Annuity Contract (the "Prospectus"), which contains more information about the Contract, including its features, benefits, and risks. You can find the Prospectus and other information about the Contract online at www.protective.com/productprospectus. You can also obtain this information at no cost by calling 1-800-456-6330 or by sending an email request to prospectus@protective.com.

YOU MAY CANCEL YOUR CONTRACT WITHIN 10 DAYS OF RECEIVING IT <br>WITHOUT PAYING FEES OR PENALTIES.

In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract Value. You should review the Prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

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

Protective Life Insurance Company's obligations under the Contract are subject to its financial strength and claims-paying ability.

*The SEC has not approved or disapproved these securities or passed upon the adequacy of this Summary Prospectus. Any representation to the contrary is a criminal offense.*

------

[**TABLE OF CONTENTS**](#TOC)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| [SPECIAL TERMS](#idSPECIALTERM19040)  | [3](#idSPECIALTERM19040)  |
| [OVERVIEW OF THE VARIABLE ANNUITY CONTRACT](#idOVERVIEWOFT7434)  | [5](#idOVERVIEWOFT7434)  |
|  [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#idIMPORTANTIN51528)  | [6](#idIMPORTANTIN51528)  |
| &nbsp;&nbsp;&nbsp; [Benefits Available Under the Contract](#idBENEFITSAVA15303)  | [10](#idBENEFITSAVA15303)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp; [Buying the Contract](#idBUYINGTHECO5237)  | [12](#idBUYINGTHECO5237)  |
| &nbsp;&nbsp;&nbsp; [Making Withdrawals: Accessing the Money in Your Contract](#idMAKINGWITHD7030)  | [13](#idMAKINGWITHD7030)  |
| [ADDITIONAL INFORMATION ABOUT FEES](#idADDITIONALI20110)  | [14](#idADDITIONALI20110)  |
|  [APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#idAPPENDIXINV114314)  | [17](#idAPPENDIXINV114314)  |

---

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[**TABLE OF CONTENTS**](#TOC)

#### SPECIAL TERMS
**"We", "us", "our", "Protective Life", and "Company"** refer to Protective Life Insurance Company. "You", "your" and "Owner" refer to the person(s) who has been issued a Contract.

**Administrative Office** Protective Life Insurance Company, P.O. Box 10648, Birmingham, Alabama 35202-0648 (for Written Notice sent by U.S. postal service) or Protective Life Insurance Company, 2801 Highway 280 South, Birmingham, Alabama 35223 (for Written Notice sent by a nationally recognized overnight delivery service).

**Advisory Fee** Advisory Fees are fees paid to your Financial Intermediary for providing investment advice regarding your Contract and for managing your Contract Value. Advisory Fees may be paid directly by you or, subject to certain restrictions, be paid out of your Contract Value.

**Annual Withdrawal Amount or AWA** The maximum amount that may be withdrawn from the Contract under the SecurePay Life rider each Contract Year after the Benefit Election Date without reducing the Benefit Base.

**Annuity Date** The date as of which the Annuity Value is applied to an Annuity Option.

**Annuity Option** The payout option under which the Company makes annuity income payments.

**Annuity Value** The amount we apply to the Annuity Option you have selected. In general, this is equal to the Contract Value minus applicable premium tax.

**Benefit Election Date** The date you choose to start your SecurePay Withdrawals.

**Contract** The Schwab Genesis Advisory Variable Annuity, a flexible premium, deferred, variable and fixed annuity contract.

**Contract Anniversary** The same month and day as the Issue Date in each subsequent year of the Contract.

**Contract Value** Before the Annuity Date, the sum of the Variable Account value and the Guaranteed Account value.

**Contract Year** Any period of 12 months commencing with the Issue Date or any Contract Anniversary.

**DCA** Dollar cost averaging.

**DCA Accounts** A part of the Guaranteed Account, but separate from the Fixed Account. The DCA Accounts are designed to transfer amounts to the Sub-Accounts of the Variable Account systematically over a designated period.

**Death Benefit** The amount we pay to the beneficiary if an Owner dies before the Annuity Date.

**Due Proof of Death** Receipt at our Administrative Office of a certified death certificate or judicial order from a court of competent jurisdiction or similar tribunal.

**Excess Withdrawals** Any portion of a withdrawal that, when aggregated with all prior withdrawals during a Contract Year, exceeds the maximum withdrawal amount permitted under the SecurePay Life rider.

**Financial Intermediary** A bank, or an investment adviser registered as such with the SEC or state securities regulatory authorities.

**Fixed Account** A part of the Guaranteed Account, but separate from the DCA Accounts. Amounts allocated or transferred to the Fixed Account earn interest from the date the funds are credited to the account.

**Fund** Any investment portfolio in which a corresponding Sub-Account invests.

**Good Order ("good order")** A request or transaction generally is considered in "Good Order" if we receive it in our Administrative Office within the time limits, if any, prescribed in the Prospectus for a particular transaction or instruction, it includes all information necessary for us to execute the requested instruction or transaction, and is signed by the individual or individuals authorized to provide the instruction or engage in the transaction. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by us of the instructions relating to the request or transaction in writing (or, when permitted, by telephone or Internet as described above) along with all forms, information and supporting legal documentation we require to affect the instruction or transaction. This information and documentation generally includes, to the extent applicable: the completed application or instruction form; your contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Investment Options affected by the requested transaction; the signatures of all Owners (exactly as indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or supporting

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[**TABLE OF CONTENTS**](#TOC)

documentation that we may require, including any spousal or Joint Owner's consents. With respect to Purchase Payments, Good Order also generally includes receipt by us of sufficient funds to affect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirement at any time. If you have any questions, you should contact us or your registered representative before submitting the form or request.

**Guaranteed Account** The Fixed Account, the DCA Accounts and any other Investment Option we may offer with interest rate guarantees.

**Investment Option** Any account to which you may allocate Purchase Payments or transfer Contract Value under this Contract. The Investment Options are the Sub-Accounts of the Variable Account and the Guaranteed Account available in this Contract.

**Issue Date** The date as of which we credit the initial Purchase Payment to the Contract and the date the Contract takes effect.

**Monthly Anniversary Date** The same day each month as the Issue Date, or the last day of any month that does not have the same day as the Issue Date.

**Owner** The person or persons who own the Contract and are entitled to exercise all rights and privileges provided in the Contract.

**Protected Lifetime Income Benefits** The optional SecurePay Life benefit offered with the Contract.

**Purchase Payment** The amount(s) paid by the Owner and accepted by the Company as consideration for this Contract.

**Qualified Contracts** Contracts issued in connection with retirement plans that receive favorable tax treatment under Sections 401, 408, 408A or 457 of the Code.

**Rate Sheet Prospectus Supplement** A periodic supplement to the Prospectus which sets forth the current fees for the SecurePay Life rider as well as Maximum Withdrawal percentage under the SecurePay Life rider available when you purchase your Contract or, if purchasing the SecurePay Life rider under RightTime, the SecurePay fee and Maximum Withdrawal Percentage(s) applicable on your Rider Issue Date.. See "PROTECTED LIFETIME INCOME BENEFITS ("THE SECUREPAY LIFE RIDER") — Determining the Amount of Your SecurePay Withdrawals."

**Rider Issue Date** The date a Protected Lifetime Income Benefit rider is issued.

**RightTime** The ability to purchase the Protected Lifetime Income Benefit rider, SecurePay Life rider, after your Contract is issued, so long as you satisfy the rider's issue requirements and the rider is still available for sale. When purchasing the SecurePay Life rider under RightTime, the applicable SecurePay Fee and Maximum Withdrawal Percentage(s) will be set forth in the Rate Sheet Prospectus Supplement effective on the Rider Issue Date. The Maximum Withdrawal Percentage(s) will not change for the remaining life of the Contract.

**Sub-Account** A separate division of the Variable Account.

**Valuation Date** Each day on which the New York Stock Exchange is open for business.

**Variable Account** The PLICO Variable Annuity Account S, a separate investment account of Protective Life.

**Written Notice** A notice or request submitted in writing in Good Order that we receive at the Administrative Office via U.S. postal service or nationally recognized overnight delivery service. Please note that we use the term "written notice" in lower case to refer to a notice that we may send to you.

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[**TABLE OF CONTENTS**](#TOC)

#### OVERVIEW OF THE VARIABLE ANNUITY CONTRACT

#### Q: What is this Contract, and what is it designed to do?
A: The Schwab Genesis Advisory Variable Annuity Contract is designed to provide long-term accumulation of assets through investments in a variety of Investment Options during the accumulation phase. It can supplement your retirement income by providing a stream of income payments during the payout phase. It also offers death benefits to protect your beneficiaries. This Contract may be appropriate if you have a long investment time horizon. It is not intended for people who may need to make early or frequent withdrawals or intend to engage in frequent trading in the Funds, and may not be appropriate for you if you do not have a long-term investment horizon.

If you elect to pay Advisory Fees from your Contract Value, this deduction will reduce the death benefits and other guaranteed benefits. If certain requirements are not satisfied, the payment of Advisory Fees from your Contract Value may be subject to federal and state income taxes and a 10% federal additional tax if you are younger than age 59½. See "Advisory Fees Paid From Your Contract Value."

#### Q: How do I accumulate assets in this Contract and receive income from the Contract?
A: Your Contract has two phases: 1) an accumulation (savings) phase: and 2) a payout (income) phase.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.<br>

**Accumulation (Savings) Phase**

To help you accumulate assets, you can invest your Purchase Payments in:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Funds (mutual funds), each of which has its own investment strategies, investment advisers, expense ratios, and returns; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Fixed Account option, which offers a guaranteed interest rate during a selected period.

**Additional information about the Funds in which you can invest is provided in the back of this Summary Prospectus. See APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.<br>

**Payout (Income) Phase**

You can elect to annuitize your Contract and turn your Contract Value into a stream of income payments (sometimes called annuity payments) from the Company, at which time the accumulation phase of the Contract ends. These payments may continue for a fixed period of years, for your entire life, or for the longer of a fixed period or your life. The payments may also be fixed or variable. Variable payments will vary based on the performance of the Investment Options you select. Please note that if you annuitize, your investments will be converted to income payments and you may no longer be able to choose to withdraw money at will from your Contract. All benefits (including guaranteed minimum death benefits and living benefits) terminate upon annuitization.

#### Q: What are the primary features and options that this Contract offers?
A: **Accessing your money.** Until you annuitize, you have full access to your money. You can choose to withdraw your Contract Value at any time (although if you withdraw early, you may have to pay income taxes, including an additional tax if you are younger than age 59½).

**Tax treatment.** You can transfer money between Investment Options without tax implications, and earnings (if any) on your investments are generally tax-deferred. You are generally taxed when: (1) you make a withdrawal or (2) you receive an income payment from the Contract. Your beneficiary is taxed upon payment of a death benefit. For more information, see "Federal Tax Matters".

**Death benefits.** Your Contract includes a basic death benefit, the Contract Value Death Benefit, that will pay your beneficiaries the Contract Value as of the date we receive Due Proof of Death, minus applicable fees and charges. You can purchase an optional death benefit for an additional fee. The optional death benefit may increase the amount of money payable to your beneficiaries upon your death.

**Optional benefits that occur during your lifetime.** For an additional fee, you can purchase a Protected Lifetime Income Benefit rider (the SecurePay Life rider) to help protect your retirement income from declining markets and/or provide income guarantees to help protect you from outliving your assets, while still maintaining access to your money.

**Portfolio rebalancing and dollar cost averaging.** At no additional charge, you may select portfolio rebalancing, which automatically rebalances the Sub-Accounts you select to maintain your chosen percentage allocation of Variable Account value among the Sub-Accounts. Alternatively, at no additional charge, you may select dollar cost averaging (DCA), which automatically transfers a specific amount of money from the DCA Account or the Fixed Account to the Sub-Accounts you have selected, at set intervals over a specific period of time.

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**Automatic withdrawals.** You may make pre-authorized withdrawals of a level dollar amount from the Contract on a monthly or quarterly basis before the Annuity Date. There is no charge for the automatic withdrawal program. However, you may have to pay income taxes, including a 10% additional tax if you are younger than age 59½.

#### IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

---

| | |
|:---|:---|
| **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **No. The Contract does not include charges for early withdrawal.** |
| **Are There Transaction Charges?** | **Yes.** You may be charged $25 per transfer for each transfer after the first 12 transfers in a Contract Year. Currently, we do not assess this charge.<br> For additional information about transaction charges, see "FEE TABLE - Transaction Expenses" and "CHARGES AND DEDUCTIONS" in the Prospectus. |
| **Are There Ongoing Fees and Expenses (annual charges)?** | **Yes.** The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Fees and expenses in the table do not reflect any Advisory Fees paid from Contract Value or other assets of the Owner and if such charges were reflected, the fees and expenses would be higher. |

---

---

| | | |
|:---|:---|:---|
| **Annual Fee**  | **Minimum**  | **Maximum**  |
| Base contract <sup>(1)</sup> | 0.25% | 0.25% |
| Investment options (Fund fees and expenses) <sup>(2)</sup> | 0.03% | 3.48% |
| Optional benefits available for an additional charge |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Return of Purchase Payments Death Benefit Fee <sup>(3)</sup> | 0.20% | 0.20% |
| &nbsp;&nbsp;&nbsp; SecurePay Life rider <sup>(4)</sup> |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; At Contract Purchase | See Rate Sheet Prospectus Supplement | 2.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Later under RightTime Option | See Rate Sheet Prospectus Supplement | 2.20% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We calculate the Base Contract fee by dividing the total amount we receive from the annual mortality and expense risk charge and the administration charge for the last fiscal year by the total average net assets attributable to the Contracts for that year.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(2)</sup> <br>

 *As a percentage of Fund assets.* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(3)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; As an annualized percentage of the death benefit value on each Monthly Anniversary Date, beginning on the 1st Monthly Anniversary Date.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(4)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; As an annualized percentage of the Benefit Base on each Monthly Anniversary Date, beginning on the 1st Monthly Anniversary Date following election of the rider.*

Because your Contract is customizable, the options and benefits you choose can affect how much you will pay. To help you understand the cost of owning your Contract, the

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following table shows the lowest and highest cost you could pay *each year*, based on current charges. These estimates assume that you do not take any withdrawals from the Contract.

---

| | |
|:---|:---|
| **Lowest Annual Cost: <br>$286**  | **Highest Annual Cost: <br>$5,034**  |
| Assumes: | Assumes: |
| &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000 <br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Least expensive combination of Base Contract fee and Fund fees and expenses<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No optional benefits<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No sales charges<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional Purchase Payments, transfers or withdrawals<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Advisory Fees<br>| &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Investment of $100,000<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5% annual appreciation<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Most expensive combination of Base Contract fee, optional benefits and Fund fees and expenses<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No sales charges<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No additional Purchase Payments, transfers, or withdrawals<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Advisory Fees<br>|

---

For additional information about annual charges, see "FEE TABLE" and "CHARGES AND DEDUCTIONS" in the Prospectus.

---

| | |
|:---|:---|
| **RISKS** | **RISKS** |
| **Is There a Risk of Loss from Poor Performance?** | **Yes. You can lose money by investing in this Contract, including loss of principal.<br> For additional information about the risk of loss, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the Prospectus.**  |
| **Is this a Short-Term Investment?** | **No.** This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Although you are permitted to take withdrawals or surrender the Contract, federal and state income taxes may apply.<br> Withdrawals will reduce your Contract Value and death benefit. If you elect to pay Advisory Fees from your Contract Value, this deduction will reduce the death benefits and other guaranteed benefits. <br> The benefits of tax deferral and living benefit protections also mean the Contract is less beneficial to investors with a short time horizon.<br> For additional information about the investment profile of the Contract, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT," "CHARGES AND DEDUCTIONS," "FEDERAL TAX MATTERS," "ADVISORY FEES PAID FROM YOUR CONTRACT VALUE," and "TAXATION OF ANNUITIES IN GENERAL" in the Prospectus. |
| **What Are the Risks Associated with the Investment Options?** | An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract.<br> Each Investment Option (including the Guaranteed Account) has its own unique risks.<br> You should review the prospectuses for the available Funds and consult with your financial professional before making an investment decision.<br> For additional information about the risks associated with Investment Options, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the Prospectus. |
| **What Are the Risks Related to the Insurance Company?** | An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Guaranteed Account), guarantees, or benefits under the Contract are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available upon request at no charge by calling us at 1-800-456-6330 or writing us at the address shown on the cover page.<br> For additional information about Company risks, see "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT," and "THE COMPANY, VARIABLE ACCOUNT AND FUNDS" in the Prospectus. |

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| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Restrictions on the Investment Options?** | **Yes.** Currently, there is no charge when you transfer Contract Value among Investment Options. However, we reserve the right to charge $25 for each transfer after the first 12 transfers in any Contract Year in the future.<br> We reserve the right to remove or substitute Funds as Investment Options that are available under the Contract. We also reserve the right to restrict the allocation of additional Purchase Payments and/or transfers of Contract Value to a Fund if we determine the Fund no longer meets one or more of our Fund selection criteria and/or if a Fund has not attracted significant contract owner assets.<br> For additional information about Investment Options, see "CHARGES AND DEDUCTIONS – Transfer Fee" and "THE COMPANY, VARIABLE ACCOUNT AND FUNDS – Selection of Funds – Addition, Deletion or Substitutions of Investments" in the Prospectus. |
| **Are There any Restrictions on Contract Benefits?** | &nbsp;&nbsp;&nbsp; **Yes. If you select a Protected Lifetime Income Benefit rider:**<br> • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Investment Options available to you under the Contract will be limited.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You may not make additional Purchase Payments two years or more after the Rider Issue Date or on or after the Benefit Election Date, whichever comes first.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals from Contract Value that exceed the annual withdrawal amount under the rider may significantly reduce or eliminate the rider benefits.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We may stop offering an optional benefit rider at any time.<br>•  If you elect to pay Advisory Fees from your Contract Value, this deduction will reduce the death benefits and other guaranteed benefits.<br> If you purchased an optional death benefit, withdrawals may also reduce the benefit by an amount greater than the value withdrawn.<br> For additional information about the optional benefits, see "PROTECTED LIFETIME INCOME BENEFITS" and "ADVISORY FEES PAID FROM YOUR CONTRACT VALUE" and "DEATH BENEFIT - Selecting A Death Benefit" in the Prospectus. |

---

---

| | |
|:---|:---|
| **TAXES** | **TAXES** |
| **What Are the Contract's Tax Implications?** | You should consult with a qualified tax advisor regarding the federal tax implications of an investment in, payments received under, and other transactions in connection with this Contract.<br> If you purchase the Contract through a tax-qualified plan or individual retirement arrangement (IRA), you do not get any additional tax deferral. Generally, all earnings on the investments underlying the Contract are tax-deferred until distributed or deemed distributed. A distribution from a non-Qualified Contract, which includes a surrender, withdrawal, payment of a death benefit, or annuity income payments, will generally result in taxable income if there has been an increase in the Contract Value. In the case of a Qualified Contract, a distribution generally will result in taxable income even if there has not been an increase in the Contract Value. In certain circumstances, a 10% additional tax may also apply if the Owner takes a withdrawal before age 59½. All amounts includable in income with respect to the Contract are taxed as ordinary income; no amounts are taxed at the special lower rates applicable to long term capital gains and corporate dividends. If you elect to have Advisory Fees paid out of your Contract Value, this deduction may be subject to federal and state income taxes and a 10% federal additional tax if you are younger than age 59 1/2. <br> For additional information about tax implications, see "FEDERAL TAX MATTERS" and "TAXATION OF ANNUITIES IN GENERAL" in the Prospectus. |

---

---

| | |
|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **How Are Investment Professionals Compensated?** | Some investment professionals may receive compensation for promoting and selling this Contract to you in the form of marketing allowances, cash, and other compensation. These investment professionals may have a financial incentive to offer or recommend the Contract over another investment.<br> For additional information about compensation, see "DISTRIBUTION OF THE CONTRACTS" in the Prospectus. |

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| | |
|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **Should I Exchange My Contract?** | Some investment professionals may have a financial incentive to offer you a new contract in place of the contract you already own. You should only exchange your current contract if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing contract.<br> For additional information about exchanges, see "TAXATION OF ANNUITIES IN GENERAL – Exchanges of Annuity Contracts" in the Prospectus. |

---

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#### BENEFITS AVAILABLE UNDER THE CONTRACT
***Q: Are there benefits I can select that will affect how much money that my beneficiaries or I will receive under the Contract, or otherwise will affect my rights under the Contract? What are the features, costs, and any limitations associated with these other benefits?***

A: In addition to the Death Benefit that is included with your Contract, other optional benefits may also be available to you. The purposes, fees, and restrictions/limitations of these benefits are briefly summarized in the following tables.

#### Death Benefits
These death benefits are available during the accumulation phase:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit**  | **Purpose**  | **Is Benefit <br>Standard or <br>Optional?**  | **Maximum Fee**  | **Brief Description of <br>Restrictions/Limitations**  |
| **Contract Value Death Benefit** | Equal to the Contract Value as of the date we receive Due Proof of Death | Standard | No charge | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If Advisory Fees are paid from Contract Value, the ongoing deductions will reduce the Contract Value and therefore the Death Benefit.<br>|
| **Return of Purchase Payments Death Benefit** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Equal to the greatest of:<br> 1.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; the Contract Value, or<br>2.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; the aggregate Purchase Payments less an adjustment for each withdrawal (adjustment for each withdrawal is the amount that reduces the Return of Purchase Payments Death Benefit at the time of the withdrawal in the same proportion that the amount withdrawn reduces the Contract Value.)<br>| Optional | 0.20% (as an annualized percentage of the death benefit value on each Monthly Anniversary Date) | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Death Benefit will never be more than the Contract Value plus $1,000,000.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If Advisory Fees are paid from Contract Value, the ongoing deductions will reduce the Contract Value and therefore the Death Benefit.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals can reduce the value of the Death Benefit by more than the amount withdrawn.<br>|

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#### Optional Living Benefits

---

| | | |
|:---|:---|:---|
| **Name of Benefit**  | **Purpose**  | **Brief Description of <br>Restrictions/Limitations**  |
| **SecurePay Life rider** | Provides an Annual Withdrawal Amount that is guaranteed for life, even if Contract Value is reduced to zero. 2.00% <sup>(1)</sup> (if selected at Contract purchase)<br> 2.20% <sup>(1)</sup> (under RightTime option)<br> See Rate Sheet Prospectus Supplement <sup>(1)</sup> | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Benefit limits available Investment Options.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No Purchase Payments two years or more after Rider Issue Date or on or after Benefit Election Date, whichever comes first.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals will reduce the Benefit Base and available SecurePay withdrawals.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Excess Withdrawals may significantly reduce or eliminate value of benefit.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Available to Contract Owners age 60 to 85. <br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not available for Inherited IRA Contracts.<br>|

---

<sup>(1)</sup> <br>

 *Fee is calculated as a percentage of the Benefit Base.* 

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#### Other Optional Benefits

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit**  | **Purpose**  | **Maximum Fee**  | **Brief Description of <br>Restrictions/Limitations**  |
| **Portfolio Rebalancing** | Automatically rebalances the Sub-Accounts you select (either quarterly, semi-annually or annually) to maintain your chosen percentage allocation of Variable Account value among the Sub-Accounts. | **No Charge** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you select the SecurePay rider, your allocations must comply with our Allocation Guidelines and Restrictions.<br>|
| **Dollar Cost Averaging** | Automatically transfers a specific amount of money from the DCA Account or the Fixed Account to the Sub-Accounts you select, on a monthly basis over a specific period of time. | **No Charge** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you select the SecurePay rider, your allocations must comply with our Allocation Guidelines and Restrictions.<br>|
| **Automatic Withdrawal Plan ("AWP")** | Automatically withdraws a level dollar amount from the Contract on a monthly or quarterly basis before the Annuity Date. | **No Charge** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Income taxes, including a 10% additional tax if you are younger than age 59½, may apply.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you select the SecurePay rider, the AWP will reduce Benefit Base and available SecurePay withdrawals.<br>|

---

#### BUYING THE CONTRACT

#### Q: How do I purchase the Schwab Genesis Advisory Variable Annuity Contract?
A: You must complete and submit an application, along with your initial Purchase Payment, to Protective Life through a licensed representative of Protective Life. Once we have received and approved your application, we will send you your Contract and a statement confirming your investments.

#### Q: How much can I contribute and how are my contributions invested?
A: Your Purchase Payment will be invested in the Investment Options that you choose.

---

| | |
|:---|:---|
| **Minimum Initial Purchase Payment** | $5000 |
| **Minimum Subsequent Purchase Payment** | $100 ($50 if made by <br>electronic funds transfer) |
|  **Maximum Aggregate Purchase Payment <sup>(1)</sup>** | $1000000 |

---

<sup>(1)</sup> <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We can reject any Purchase Payments for any reason. We may also permit you to invest more than the maximum amounts listed above if you obtain our prior approval.

After your initial Purchase Payment, you are not required to make any additional Purchase Payments under your Contract.

#### Q: When will any Purchase Payments that I make be credited to my Contract?
A: Initial Purchase Payment: Your financial professional must determine that the Contract is suitable for you and transmit your application to us. If your application is complete when received by us and we also received your initial Purchase Payment, we will issue your Contract and allocate your initial Purchase Payment to the Investment Options you direct within 2 business days. If some information is missing from your application, we may delay issuing your Contract and crediting your Contract while we obtain the missing information. However, we will not hold your initial

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Purchase Payment for more than 5 business days without your permission. Once the information is complete, we will allocate your initial Purchase Payment to the Investment Options you direct within 2 business days.

Subsequent Purchase Payment: if we receive a subsequent Purchase Payment before the close of the NYSE (typically 3:00 p.m. Central Time), we will apply your Purchase Payment as of the end of that Valuation Date. If we receive your subsequent Purchase Payment at or after the close of the NYSE, your payment will be applied on the next Valuation Date.

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

#### Q: Can I access the money in my Contract during the asset accumulation (savings) phase?
A: You can access the money in your Contract by making a withdrawal, which will reduce the value of your Contract (including the amount of the death benefit). You may withdraw all or a portion of your Contract Value (minus applicable charges and other adjustments, discussed below). **However, withdrawing the entire Contract Value will terminate your Contract.**

Certain withdrawals may reduce the value of the SecurePay rider you elected. This optional living benefit rider provides withdrawal options.

#### Q: Are there any limitations associated with taking money out of my Contract during the asset accumulation (savings) phase?
A: Yes. These limitations are as follows:

---

| | |
|:---|:---|
| **Limitations on withdrawal amounts** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; At any time before the Annuity Date, you may withdraw the Contract Value provided the Contract Value remaining after the withdrawal is at least $5,000.If you request a withdrawal that would reduce your Contract Value below $5,000, we will (1) confirm the request for partial withdrawal with the Contract Owner, and, (2) if the request is confirmed, will treat the request for partial withdrawal as a request to fully surrender the Contract.<br>• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you select the SecurePay rider, special withdrawal rules apply.<br>|
| **Surrender charges and taxes** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Federal and state income taxes may apply, as well as a 10% federal additional tax if the withdrawal occurs before the Owner reaches age 59½.<br>|
|  **Negative impact of withdrawal on other benefits and guarantees of your Contract** | &nbsp;&nbsp;&nbsp; • &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals reduce your Contract Value and death benefit, and may reduce the value of the the SecurePay rider.<br>|

---

#### Q: What is the process to request a withdrawal of money from my Contract?
A: You can request to withdraw all or a portion of your Contract Value (that is your Contract Value less any prorated Contract fees) on any business day through your financial intermediary, by calling us, facsimile or mailing a request to: (1) Protective Life Insurance Company, P.O. Box 10648, Birmingham, Alabama 35202-0648 ***(if sent by the U.S. postal service)***; or (2) to Protective Life Insurance Company, 2801 Highway 280 South, Birmingham, Alabama 35223 ***(if sent by a nationally recognized overnight delivery service)***. Generally, for withdrawal or surrender requests received in good order before the close of the New York Stock Exchange (typically 3:00 p.m. Central Time), we will process your request that Valuation Date. If we receive your request in good order at or after the close of the New York Stock Exchange, your request will be processed the next Valuation Date. We will generally pay the amount withdrawn or surrendered within seven days.

#### Q: Can I access the money in my account during the annuity (income) phase?
A: You will receive payments under the annuity payment option you select. However, unless you select an annuity payment option for a certain period that provides variable income payments, you may not take any other withdrawals.

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

**The first table describes the fees and charges that you will pay at the time you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract Value between Investment Options. State premium taxes may also be deducted. These fees and expenses do not reflect any Advisory Fees paid to Financial Intermediaries from Contract Value or other assets of the Owner for the provision of investment advice. If such charges were reflected, costs would be higher.** 

#### TRANSACTION EXPENSES

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| | |
|:---|:---|
| Transfer Fee <sup>(1)</sup> | $25 |

---

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Protective Life currently does not charge this Transfer Fee, but reserves the right to do so in the future for each transfer after the first 12 transfers in any Contract Year. We will give written notice thirty (30) days before we impose a Transfer Fee. (See "CHARGES AND DEDUCTIONS, Transfer Fee" in the Prospectus.)*

**The next table describes the fees and expenses that you will pay *each year* during the time that you own the Contract, not including Fund fees and expenses. If you choose to purchase an optional benefit, you will pay additional charges, as shown below.**

#### ANNUAL CONTRACT EXPENSES

---

| | |
|:---|:---|
| Base Contract Expenses (as a percentage of average Variable Account value)<sup>(1)</sup> | 0.25% |

---

#### Optional Benefit Expenses

---

| | |
|:---|:---|
|  Return of Purchase Payments Death Benefit Fee (as an annualized percentage of the death benefit, beginning on the 1<sup>st</sup> Monthly Anniversary Date)  | 0.20% |

---

#### Protected Lifetime Income Benefits
SecurePay Life Rider Fee<sup>(2)</sup> (as an annualized percentage of the Benefit Base<sup>(3)</sup> on each Monthly Anniversary Date, beginning with the 1<sup>st</sup> Monthly Anniversary Date following election of the rider)

---

| | | |
|:---|:---|:---|
| | **Maximum**  | **Current**  |
|  Purchase of SecurePay Life rider <br>at Contract Purchase  | 2.00% | See Rate Sheet Prospectus Supplement for current rates.  |
|  Purchase of SecurePay Life rider <br>under RightTime  | 2.20% | See Rate Sheet Prospectus Supplement for current rates. |

---

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Contract Expenses include a mortality and expense risk charge equal on an annual basis to 0.15% of the average daily net assets of the Variable Account attributable to your Contract and an administration charge equal on an annual basis to 0.10% of average daily net assets of the Variable Account attributable to your Contract.*

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(2)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We will give you at least 30 days' written notice before any increase in the SecurePay Fee. You may elect not to pay the increase in your SecurePay Fee. If you do, your SecurePay Life rider will not terminate, but your current Benefit Base will be capped at its then current value. You will continue to be assessed your current SecurePay Fee, however, even though you will have given up the opportunity for any future increases in your Benefit Base. See "THE SECUREPAY LIFE RIDER" in the Prospectus.*

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(3)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Benefit Base is a value used to calculate the Annual Withdrawal Amounts, and the fees charged, under the SecurePay Life rider. If the rider is purchased at issue, your initial Benefit Base is equal to your initial purchase payments. If the rider is added through RightTime, your initial Benefit Base is equal to your Contract Value on the Rider Issue Date. For more information on the SecurePay Life rider, the Benefit Base and how it is calculated, please see "THE SECUREPAY LIFE RIDER" in the Prospectus.*

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**The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. A complete list of Funds available under the Contract, including their annual expenses, can be found in an Appendix to this Summary Prospectus. (See "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT.")**

#### ANNUAL FUND EXPENSES

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| | | |
|:---|:---|:---|
| | **Minimum**  | **Maximum**  |
|  Annual Fund Expenses **before** any waivers or expense reimbursements (expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)  | 0.03% | 3.48% |
| Annual Fund Expenses **after** any waivers or expense reimbursements <sup>(1)</sup> | 0.03% | 3.29% |

---

&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The "Annual Fund Expenses **after** any waivers or expense reimbursements" line in the above table shows the range of minimum and maximum fees and expenses based on the expenses of all Funds after taking into account contractual fee waiver or expense reimbursement arrangements in place. Those contractual arrangements are designed to reduce total annual Fund operating expenses for Contract Owners and will continue past the current year.* 

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#### Example
**The following examples are intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. The examples show the costs of investing in the Contract, including owner transaction expenses, Base Contract Expenses, any optional rider charges, and both maximum and minimum Annual Fund Expenses.**

**The examples assume that you invest $100,000 in the Contract for the periods indicated. The examples also assume that your investment has a 5% return each year. The examples do not reflect any Advisory Fees paid to Financial Intermediaries from Contract Value or other assets of the Owner, and if such fees were reflected, costs would be higher.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The first example assumes that you purchased the SecurePay Life rider with RightTime at the maximum rider fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The second example assumes that you have not purchased the the SecurePay Life rider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The examples also assume that the Return of Purchase Payments Death Benefit is in effect, and that all Contract Value is allocated to the Variable Account. The examples do not reflect transfer fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The examples do not reflect premium taxes, which may range up to 3.5% depending on the jurisdiction.

1.<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you purchased the SecurePay Life rider under RightTime:

If you surrender, annuitize<sup>(1)</sup> or remain invested in the Contract at the end of the applicable time period:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **1 year**  | **3 years**  | **5 years**  | **10 years**  |
| Maximum Fund Expense  | $5836 | $17403 | $28824 | $56717 |
| Minimum Fund Expense  | $2506 | $7701 | $13154 | $27990 |

---

2.<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you have not purchased the SecurePay Life rider:

If you surrender, annuitize<sup>(1)</sup> or remain invested in the Contract at the end of the applicable time period:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **1 year**  | **3 years**  | **5 years**  | **10 years**  |
| Maximum Fund Expense  | $3651 | $11092 | $18723 | $38663 |
| Minimum Fund Expense  | $286 | $899 | $1571 | $3548 |

---

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

<sup>(1)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You may not annuitize your Contract within 3 years after we accept a Purchase Payment. For more information, see "ANNUITY PAYMENTS, Annuity Commencement Date, Changing the Annuity Commencement Date." Neither the death benefit fee nor the SecurePay Fee apply after the Annuity Commencement Date.*

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[**TABLE OF CONTENTS**](#TOC)

#### APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.protective.com/eprospectus. You can also request this information at no cost by calling 1-800-456-6330 or by sending an email request to prospectus@protective.com. Depending on the optional benefits you choose, you may not be able to invest in certain Funds.

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

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Discovery Value Portfolio - Class B - AllianceBernstein L.P. | 1.07% | 2.64% | 8.48% | 8.27% | 4 |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Large Cap Growth Portfolio - Class B - AllianceBernstein L.P. | 0.90% | 12.85% | 11.76% | 15.88% | 3 |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Relative Value Portfolio - Class B - AllianceBernstein L.P.<sup>(1)</sup> | 0.85% | 10.20% | 11.15% | 10.30% | 3 |
| U.S. Equity | AB Variable Products Series Fund, Inc. - Small Cap Growth Portfolio - Class B - AllianceBernstein L.P.<sup>(1)</sup> | 1.15% | 4.45% | -0.69% | 10.99% | 4 |
| Allocation | American Funds Insurance Series<sup>®</sup> American Funds<sup>®</sup> Global Balanced Fund - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 1.01% | 16.96% | 5.85% | 7.43% | 2 |
| Allocation | American Funds Insurance Series<sup>®</sup> Asset Allocation Fund - Class 4 - Capital Research and Management Company | 0.79% | 15.59% | 8.70% | 9.50% | 2 |
| Allocation | American Funds Insurance Series<sup>®</sup> Capital Income Builder<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.77% | 20.16% | 8.82% | 7.32% | 2 |
| Taxable Bond | American Funds Insurance Series<sup>®</sup> Capital World Bond Fund<sup>®</sup> - Class 4 - Capital Research and Management Company | 0.98% | 9.03% | -2.76% | 0.97% | 1 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> Capital World Growth and Income Fund<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.91% | 24.46% | 10.01% | 10.74% | 3 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> EUPAC Fund<sup>™</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> (formerly, American Funds Insurance Series<sup>®</sup> International Fund) | 0.97% | 26.41% | 3.14% | 6.73% | 4 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> Global Growth Fund - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.90% | 21.34% | 7.97% | 11.89% | 3 |
| U.S. Equity | American Funds Insurance Series<sup>®</sup> Growth Fund - Class 4 - Capital Research and Management Company | 0.83% | 19.93% | 13.09% | 17.67% | 3 |
| U.S. Equity | American Funds Insurance Series<sup>®</sup> Growth-Income Fund - Class 4 - Capital Research and Management Company | 0.78% | 17.77% | 13.62% | 13.63% | 3 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> New World Fund<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 1.07% | 27.92% | 5.06% | 8.98% | 4 |
| International <br>Equity | American Funds Insurance Series<sup>®</sup> SMALLCAP World Fund<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup>(formerly, American Funds Insurance Series<sup>®</sup> Global Small Capitalization Fund) | 1.15% | 14.33% | 0.23% | 6.96% | 4 |

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[**TABLE OF CONTENTS**](#TOC)

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| Taxable Bond | American Funds Insurance Series<sup>®</sup> The Bond Fund of America<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.72% | 6.98% | -0.38% | 2.11% | 1 |
| Taxable Bond | American Funds Insurance Series<sup>®</sup> U.S. Government Securities Fund<sup>®</sup> - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.75% | 7.54% | -0.49% | 1.45% | 1 |
| U.S. Equity | American Funds Insurance Series<sup>®</sup> Washington Mutual Investors Fund℠ - Class 4 - Capital Research and Management Company<sup>(1)</sup> | 0.75% | 16.90% | 13.60% | 12.08% | 3 |
| Allocation | BlackRock 60/40 Target Allocation ETF V.I. Fund - Class III<sup>(1)</sup> | 0.58% | 15.37% | 7.05% | 8.45% | 2 |
| Allocation | BlackRock Global Allocation V.I. Fund - Class III<sup>(1)</sup> | 1.01% | 19.51% | 5.51% | 7.33% | 2 |
| International <br>Equity | BlackRock International V.I. Fund - Class I<sup>(1)</sup> | 0.86% | 15.53% | 2.49% | 6.43% | 4 |
| U.S. Equity | ClearBridge Variable Small Cap Growth Portfolio - Class II - Franklin Templeton Fund Adviser, LLC | 1.06% | 8.97% | -0.42% | 9.11% | 4 |
| Allocation | Columbia Variable Portfolio - Balanced Fund - Class 2 | 1.00% | 13.75% | 8.45% | 9.48% | 2 |
| Taxable Bond | Columbia Variable Portfolio - Emerging Markets Bond Fund - Class 2<sup>(1)</sup> | 1.00% | 12.65% | 1.47% | 4.03% | 4 |
| Taxable Bond | Columbia Variable Portfolio - Intermediate Bond Fund - Class 2 | 0.77% | 8.84% | -0.68% | 2.52% | 1 |
| U.S. Equity | Columbia Variable Portfolio - Select Mid Cap Value Fund - Class 2<sup>(1)</sup> | 1.07% | 13.87% | 10.90% | 10.17% | 4 |
| Taxable Bond | Columbia Variable Portfolio - Select Short Corporate Income Fund - Class 2<sup>(1)</sup> (formerly, Columbia Variable Portfolio - Limited Duration Credit Fund)  | 0.66% | 6.00% | 1.90% | 2.94% | 1 |
| Taxable Bond | Columbia Variable Portfolio - Strategic Income Fund - Class 2<sup>(1)</sup> | 0.94% | 6.88% | 1.87% | 3.99% | 2 |
| Allocation | *Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited <sup>(1)</sup>* | 0.76% | 14.72% | 5.41% | 6.87% | 2 |
| Allocation | *Fidelity<sup>®</sup> VIP Asset Manager 70% Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited <sup>(1)</sup>* | 0.86% | 17.96% | 7.37% | 8.59% | 3 |
| Allocation | *Fidelity<sup>®</sup> VIP Balanced Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.66% | 14.96% | 9.24% | 10.84% | 2 |
| Taxable Bond | *Fidelity<sup>®</sup> VIP Bond Index Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.39% | 6.76% | -0.81% |  | 1 |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.79% | 21.24% | 15.08% | 15.49% | 3 |
| Sector Equity | *Fidelity<sup>®</sup> VIP Energy Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.85% | 10.34% | 23.86% | 7.69% | 4 |

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[**TABLE OF CONTENTS**](#TOC)

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| U.S. Equity | Fidelity<sup>®</sup> VIP Extended Market Index Portfolio - Service Class 2 - *Geode Capital Management, LLC* | 0.37% | 12.03% | 7.75% |  | 4 |
| Allocation | Fidelity<sup>®</sup> VIP FundsManager 20% Portfolio - Service Class 2<sup>(1)</sup> | 0.62% | 9.03% | 3.00% | 4.08% | 1 |
| Allocation | Fidelity<sup>®</sup> VIP FundsManager 60% Portfolio - Service Class 2<sup>(1)</sup> | 0.78% | 15.51% | 6.52% | 8.03% | 3 |
| Allocation | Fidelity<sup>®</sup> VIP FundsManager 85% Portfolio - Service Class 2<sup>(1)</sup> | 0.83% | 19.26% | 8.93% | 10.34% | 3 |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.81% | 21.73% | 11.04% | 19.64% | 4 |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Growth Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.80% | 14.63% | 13.42% | 17.16% | 3 |
| Sector Equity | *Fidelity<sup>®</sup> VIP Health Care Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.84% | 14.10% | 3.92% |  | 3 |
| International <br>Equity | *Fidelity<sup>®</sup> VIP International Capital Appreciation Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 1.02% | 18.36% | 5.99% | 9.53% | 4 |
| International <br>Equity | Fidelity<sup>®</sup> VIP International Index Portfolio - Service Class 2 - *Geode Capital Management, LLC* | 0.41% | 32.82% | 7.76% |  | 3 |
| Taxable Bond | *Fidelity<sup>®</sup> VIP Investment Grade Bond Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.62% | 6.93% | -0.21% | 2.45% | 1 |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Mid Cap Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.80% | 11.49% | 9.83% | 10.31% | 3 |
| Sector Equity | *Fidelity<sup>®</sup> VIP Technology Portfolio - Initial Class - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.56% | 23.36% | 16.83% | 23.76% | 4 |
| U.S. Equity | Fidelity<sup>®</sup> VIP Total Market Index Portfolio - Service Class 2 - *Geode Capital Management, LLC* | 0.36% | 16.86% | 12.86% |  | 3 |
| Sector Equity | *Fidelity<sup>®</sup> VIP Utilities Portfolio - Initial Class - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.60% | 14.11% | 12.52% | 12.51% | 3 |
| U.S. Equity | *Fidelity<sup>®</sup> VIP Value Strategies Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited*  | 0.84% | 7.70% | 11.87% | 10.54% | 4 |
| Allocation | *First Trust Multi Income Allocation Portfolio - Class I - Energy Income Partners, LLC; Stonebridge Advisors LLC<sup>(1)</sup>* | 1.17% | 7.71% | 6.11% | 5.91% | 2 |
| Allocation | First Trust/Dow Jones Dividend & Income Allocation Portfolio - Class I | 1.18% | 5.30% | 3.98% | 6.68% | 2 |

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[**TABLE OF CONTENTS**](#TOC)

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| U.S. Equity | Franklin DynaTech VIP Fund - Class 2 | 0.88% | 18.13% | 9.09% | 14.08% | 4 |
| Allocation | Franklin Income VIP Fund - Class 2 | 0.72% | 12.56% | 7.66% | 7.30% | 2 |
| U.S. Equity | Franklin Rising Dividends VIP Fund - Class 2 | 0.89% | 11.80% | 9.50% | 12.10% | 3 |
| U.S. Equity | Franklin Small Cap Value VIP Fund - Class 2<sup>(1)</sup> | 0.91% | 7.65% | 8.86% | 9.81% | 4 |
| U.S. Equity | Franklin Small-Mid Cap Growth VIP Fund - Class 2 | 1.09% | 2.52% | 1.03% | 9.89% | 4 |
| Taxable Bond | Goldman Sachs VIT Core Fixed Income Fund - Service Class<sup>(1)</sup> | 0.67% | 7.32% | -0.81% | 1.86% | 1 |
| U.S. Equity | Goldman Sachs VIT Mid Cap Growth Fund - Service Class<sup>(1)</sup> | 0.98% | 7.36% | 4.67% | 11.58% | 4 |
| U.S. Equity | Goldman Sachs VIT Small Cap Equity Insights Fund - Service Class<sup>(1)</sup> | 1.07% | 15.82% | 10.19% | 10.57% | 4 |
| U.S. Equity | Goldman Sachs VIT Strategic Growth Fund - Service Class<sup>(1)</sup> | 0.95% | 17.58% | 12.47% | 16.13% | 3 |
| Allocation | Goldman Sachs VIT Trend Driven Allocation Fund - Service Class<sup>(1)</sup> | 0.96% | 9.89% | 5.91% | 5.77% | 2 |
| Allocation | Invesco<sup>®</sup> V.I. Balanced-Risk Allocation Fund - Series II<sup>(1)</sup> | 1.13% | 8.69% | 2.27% | 4.91% | 2 |
| U.S. Equity | Invesco<sup>®</sup> V.I. Comstock Fund - Series II | 1.00% | 17.14% | 15.14% | 11.67% | 3 |
| Allocation | Invesco<sup>®</sup> V.I. Equity and Income Fund - Series II | 0.82% | 12.52% | 8.68% | 8.64% | 2 |
| International <br>Equity | Invesco<sup>®</sup> V.I. Global Fund - Series II | 1.06% | 15.02% | 7.01% | 10.72% | 4 |
| Sector Equity | Invesco<sup>®</sup> V.I. Global Real Estate Fund - Series II | 1.27% | 7.61% | 1.49% | 2.18% | 4 |
| Taxable Bond | Invesco<sup>®</sup> V.I. Government Securities Fund - Series II | 0.95% | 6.95% | -0.22% | 1.34% | 1 |
| U.S. Equity | Invesco<sup>®</sup> V.I. Growth and Income Fund - Series II | 1.00% | 15.30% | 12.56% | 10.46% | 3 |
| U.S. Equity | Invesco<sup>®</sup> V.I. Main Street Small Cap Fund<sup>®</sup> - Series II  | 1.09% | 8.44% | 8.07% | 10.31% | 4 |
| Buffer | Invesco<sup>®</sup> V.I. S&P 500 Buffer December Fund - Series II<sup>(1)</sup> | 0.96% | 12.37% |  |  | 3 |
| Buffer | Invesco<sup>®</sup> V.I. S&P 500 Buffer June Fund - Series II<sup>(1)</sup> | 0.96% | 13.35% |  |  | 3 |
| Buffer | Invesco<sup>®</sup> V.I. S&P 500 Buffer March Fund - Series II<sup>(1)</sup> | 0.96% | 7.25% |  |  | 3 |
| Buffer | Invesco<sup>®</sup> V.I. S&P 500 Buffer September Fund - Series II<sup>(1)</sup> | 0.96% | 12.63% |  |  | 3 |
| Money Market | Invesco<sup>®</sup> V.I. U.S. Government Money Portfolio - Series I  | 0.67% | 3.64% | 2.80% | 1.76% | 1 |
| Allocation | Janus Henderson Balanced Portfolio - Service Shares | 0.87% | 14.82% | 8.21% | 9.86% | 2 |
| U.S. Equity | Janus Henderson Forty Portfolio - Service Shares | 0.87% | 17.86% | 11.37% | 15.96% | 3 |
| International <br>Equity | Janus Henderson Global Sustainable Equity Portfolio - Service Shares<sup>(1)</sup> | 0.99% | 17.26% |  |  | 4 |
| Sector Equity | Janus Henderson Global Technology and Innovation Portfolio - Service Shares | 0.97% | 24.84% | 13.44% | 21.18% | 4 |
| International <br>Equity | Janus Henderson Overseas Portfolio - Service Shares | 0.96% | 28.58% | 9.17% | 8.97% | 4 |
| Taxable Bond | Lord Abbett Series Fund - Bond Debenture Portfolio - Class VC | 0.98% | 8.33% | 2.10% | 4.72% | 2 |
| U.S. Equity | Lord Abbett Series Fund - Dividend Growth Portfolio - Class VC <sup>(1)</sup> | 0.99% | 15.98% | 12.34% | 13.06% | 3 |
| U.S. Equity | Lord Abbett Series Fund - Fundamental Equity Portfolio - Class VC<sup>(1)</sup> | 1.08% | 14.29% | 11.36% | 9.75% | 4 |
| U.S. Equity | Lord Abbett Series Fund - Growth and Income Portfolio - Class VC | 0.93% | 17.29% | 13.34% | 11.12% | 3 |
| U.S. Equity | Lord Abbett Series Fund - Growth Opportunities Portfolio - Class VC | 1.15% | 12.94% | 3.23% | 10.41% | 4 |
| Taxable Bond | Lord Abbett Series Fund - Short Duration Income Portfolio - Class VC<sup>(1)</sup> | 0.72% | 5.90% | 2.25% | 2.62% | 1 |

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[**TABLE OF CONTENTS**](#TOC)

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| U.S. Equity | MFS<sup>®</sup> VIT Growth Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 0.98% | 11.90% | 10.82% | 15.31% | 3 |
| U.S. Equity | MFS<sup>®</sup> VIT II Core Equity Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 1.03% | 12.22% | 11.26% | 13.53% | 3 |
| International <br>Equity | MFS<sup>®</sup> VIT II International Growth Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 1.13% | 20.81% | 6.80% | 9.60% | 3 |
| International <br>Equity | MFS<sup>®</sup> VIT II International Intrinsic Equity Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> (formerly, MFS<sup>®</sup> VIT II International Intrinsic Value Portfolio) | 1.14% | 32.96% | 7.02% | 9.68% | 3 |
| U.S. Equity | MFS<sup>®</sup> VIT II Massachusetts Investors Growth Stock Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 0.97% | 9.61% | 9.74% | 13.98% | 3 |
| Foreign Large <br>Blend | MFS<sup>®</sup> VIT II Research International Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 1.15% | 21.75% | 5.25% | 7.27% | 4 |
| U.S. Equity | MFS<sup>®</sup> VIT III Blended Research<sup>®</sup> Small Cap Equity Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 0.83% | 5.49% | 6.62% | 8.82% | 4 |
| Global Real <br>Estate | MFS<sup>®</sup> VIT III Global Real Estate Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 1.15% | 3.30% | 1.08% | 4.76% | 4 |
| Mid-Cap Value | MFS<sup>®</sup> VIT III Mid Cap Value Portfolio - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 1.04% | 5.75% | 9.90% | 9.69% | 4 |
| Mid-Cap Growth | MFS<sup>®</sup> VIT Mid Cap Growth Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 1.06% | 3.40% | 3.03% | 11.32% | 4 |
| U.S. Equity | MFS<sup>®</sup> VIT New Discovery Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 1.12% | 12.56% | -0.54% | 10.46% | 4 |
| Allocation | MFS<sup>®</sup> VIT Total Return Series - Service Class - Massachusetts Financial Services Company<sup>(1)</sup> | 0.86% | 10.91% | 6.16% | 7.36% | 3 |
| U.S. Equity | Morgan Stanley VIF Discovery Portfolio - Class II<sup>(1)</sup> | 1.05% | 12.44% | -5.46% | 14.04% | 4 |
| International <br>Equity | Morgan Stanley VIF Global Strategist Portfolio - Class II<sup>(1)</sup> | 1.00% | 17.36% | 5.21% | 6.75% | 2 |
| U.S. Equity | Morgan Stanley VIF Growth Portfolio - Class II<sup>(1)</sup> | 0.82% | 35.38% | 3.15% | 17.46% | 4 |
| Allocation | PIMCO VIT All Asset Portfolio - Advisor Class - Pacific Investment Management Company LLC - *Research Affiliates LLC*<sup>(1)</sup> | 2.225% | 14.19% | 5.49% | 6.67% | 2 |
| Commodities | PIMCO VIT CommodityRealReturn<sup>®</sup> Strategy Portfolio - Advisor Class - Pacific Investment Management Company LLC<sup>(1)</sup> | 3.29% | 18.85% | 10.47% | 6.43% | 4 |
| Taxable Bond | PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class - Pacific Investment Management Company LLC | 1.27% | 14.86% | 2.34% | 4.96% | 2 |
| Allocation | PIMCO VIT Global Diversified Allocation Portfolio - Advisor Class - Pacific Investment Management Company LLC<sup>(1)</sup> | 1.22% | 15.07% | 5.23% | 6.44% | 2 |
| Taxable Bond | PIMCO VIT High Yield Portfolio - Advisor Class - Pacific Investment Management Company LLC | 0.91% | 8.85% | 3.87% | 5.47% | 2 |
| Taxable Bond | PIMCO VIT Income Portfolio - Advisor Class - Pacific Investment Management Company LLC | 1.02% | 10.08% | 3.31% |  | 2 |
| Taxable Bond | PIMCO VIT Long-Term U.S. Government Portfolio - Advisor Class - Pacific Investment Management Company LLC | 2.575% | 6.04% | -6.91% | -0.09% | 2 |
| Taxable Bond | PIMCO VIT Low Duration Portfolio - Advisor Class - Pacific Investment Management Company LLC | 0.76% | 5.42% | 1.47% | 1.69% | 1 |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** |  ***Average Annual Total Returns <br>(as of 12/31/2025)*** | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| **Asset <br>Allocation <br>Type** | **Portfolio Company – Investment Adviser; <br>*Sub-Adviser(s), as applicable*** | **Current <br>Expenses** | **1 Year**  | **5 Year**  | **10 Year**  | **SecurePay <br>Life Rider <br>Allocation <br>Investment <br>Category<sup>(2)</sup>** |
| Taxable Bond | PIMCO VIT Real Return Portfolio - Advisor Class - Pacific Investment Management Company LLC | 1.49% | 7.74% | 1.11% | 3.11% | 2 |
| Taxable Bond | PIMCO VIT Short-Term Portfolio - Advisor Class - Pacific Investment Management Company LLC | 0.75% | 4.57% | 3.14% | 2.65% | 1 |
| Taxable Bond | PIMCO VIT Total Return Portfolio - Advisor Class - Pacific Investment Management Company LLC | 0.83% | 8.78% | -0.08% | 2.26% | 1 |
| Allocation | Protective Life Dynamic Allocation Series - Conservative Portfolio - Janus Henderson Investors US LLC<sup>(1)</sup> | 0.90% | 11.17% | 3.76% |  | 1 |
| Allocation | Protective Life Dynamic Allocation Series - Growth Portfolio - Janus Henderson Investors US LLC<sup>(1)</sup> | 0.90% | 16.01% | 8.77% |  | 3 |
| Allocation | Protective Life Dynamic Allocation Series - Moderate Portfolio - Janus Henderson Investors US LLC<sup>(1)</sup> | 0.90% | 12.70% | 5.28% |  | 2 |
| U.S. Equity | *Putnam VT Core Equity Fund Class IB - Franklin Advisers, Inc.; Franklin Templeton Investment Management Limited* | 0.92% | 16.81% | 15.96% | 15.20% | 3 |
| Allocation | *Putnam VT George Putnam Balanced Fund Class IB - Franklin Advisers, Inc.; Franklin Templeton Investment Management Limited* | 0.88% | 13.95% | 8.85% | 10.17% | 2 |
| International Equity | *Putnam VT International Value Fund Class IB - Franklin Advisers, Inc.; Franklin Templeton Investment Management Limited; The Putnam Advisory Company, LLC* | 1.06% | 34.68% | 12.49% | 8.86% | 4 |
| U.S. Equity | *Putnam VT Large Cap Value Fund Class IB - Franklin Advisers, Inc.; Franklin Templeton Investment Management Limited* | 0.79% | 20.35% | 15.38% | 13.30% | 3 |
| Money Market | Schwab<sup>®</sup> Government Money Market Portfolio™ | 0.27% | 4.11% | 3.09% | 1.96% | 1 |
| U.S. Equity | Schwab<sup>®</sup> S&P 500 Index Portfolio | 0.03% | 17.83% | 14.38% | 14.75% | 3 |
| Allocation | Schwab<sup>®</sup> VIT Balanced Portfolio | 0.57% | 12.85% | 4.69% | 5.51% | 2 |
| Allocation | Schwab<sup>®</sup> VIT Balanced with Growth Portfolio | 0.54% | 15.60% | 6.45% | 7.20% | 2 |
| Allocation | Schwab<sup>®</sup> VIT Growth Portfolio | 0.55% | 18.24% | 8.07% | 8.65% | 3 |
| U.S. Equity | T. Rowe Price<sup>®</sup> All-Cap Opportunities Portfolio<sup>(1)</sup> | 0.80% | 16.30% | 12.22% | 16.93% | 3 |
| U.S. Equity | T. Rowe Price<sup>®</sup> Blue Chip Growth Portfolio - II Class | 1.00% | 18.43% | 11.41% | 15.25% | 3 |
| Sector Equity | T. Rowe Price<sup>®</sup> Health Sciences Portfolio - II Class | 1.11% | 17.80% | 3.86% | 8.70% | 4 |
| Allocation | T. Rowe Price<sup>®</sup> Moderate Allocation Portfolio<sup>(1)</sup> | 0.85% | 14.50% | 5.50% | 7.84% | 2 |
| International <br>Equity | Templeton Emerging Markets VIP Fund - Class 2 (formerly, Templeton Developing Markets VIP Fund) | 1.37% | 46.27% | 5.46% | 10.40% | 4 |
| Taxable Bond | Templeton Global Bond VIP Fund - Class 2 - Franklin Advisers, Inc.<sup>(1)</sup> | 0.75% | 15.73% | -0.96% | -0.15% | 2 |

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<sup>(1)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These Funds and their investment advisers have entered into contractual fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those contractual arrangements are designed to reduce total annual Fund operating expenses for Contract Owners and will continue past the current year.*

<sup>(2)</sup> <br>

*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you have purchased the SecurePay Life rider, you must allocate your Purchase Payments and Contract Value in accordance with the Allocation Guidelines and Restrictions that we have established. The following table specifies the minimum and maximum percentages of your Contract Value that must be allocated to each of the four Investment Categories during the accumulation phase in order for you to remain eligible for benefits under the SecurePay Life rider (unless you are fully invested in a Benefit Allocation Model or a permissible single investment option). You can select the percentage of Contract Value to allocate to individual Funds within each group, but the total investment for all Funds in a group must comply with the specified minimum and maximum percentages for that group. See "ALLOCATION GUIDELINES AND RESTRICTIONS FOR PROTECTED LIFETIME INCOME BENEFITS" in the Prospectus.*

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| | | |
|:---|:---|:---|
| **Investment Category** | **Minimum Allocation** | **Maximum Allocation** |
| 1 | 40% | 100% |
| 2 | 0% | 60% |
| 3 | 0% | 25% |
| 4 | Not Permitted | Not Permitted |

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The following is information for the fixed options currently available under the Contract. We may change the features of the fixed options listed below, offer new fixed options, and terminate existing fixed options. We will provide you with written notice before doing so. Depending on the optional benefits you choose, you may not be able to invest in certain fixed options, as noted below.

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| | | |
|:---|:---|:---|
| **Name**  | **Term**  | **Minimum Guaranteed <br>Interest Rate**  |
| Fixed Account\*  | 1 Year | 1% |
| DCA Account 1 | 3 to 6 Months | 1% |
| DCA Account 2 | 7 to 12 Months | 1% |

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\*If you select the SecurePay Life rider, you may not allocate any portion of your Purchase Payments or Contract Value to the Fixed Account.

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This Summary Prospectus incorporates by reference the Schwab Genesis Advisory Variable Annuity Contract's Prospectus and Statement of Additional Information (SAI), both dated April 29, 2026, as amended or supplemented. The SAI may be obtained, free of charge, in the same manner as the Prospectus.

EDGAR Contract Identifier: C000222250

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