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Protective Variable Annuity
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Protective Life Insurance Company
Protective Variable Annuity Separate Account P.O. Box 10648 Birmingham, Alabama 35202‑0648 Telephone: 1‑800‑456‑6330 www.protective.com |
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FEES AND EXPENSES
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Charges for Early Withdrawals
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If you surrender or make a withdrawal from your Contract within six (6) years following your last Purchase Payment and before the Annuity Commencement Date, you will be assessed a surrender charge of up to 7% on the amount of the withdrawal. The surrender charge starts at 7% and declines to 0% over six (6) years.
For example, assume you purchased a Contract with a single Purchase Payment of $100,000 and surrender the Contract during the first Contract Year. The surrender charge is 7% of the amount withdrawn. You will be assessed a withdrawal charge of $7,000 (7% x $100,000).
For additional information about charges for surrenders and early withdrawals, see “FEES AND EXPENSES - Owner Transaction Expenses” and “CHARGES AND DEDUCTIONS – Surrender Charge (Contingent Deferred Sales Charge)” in the Prospectus.
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Transaction Charges
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In addition to surrender charges, you may also be assessed a fee for each transfer after the first 12 transfers in a Contract Year. Currently, we do not assess a charge for transfers.
For additional information about transaction charges, see “FEES AND EXPENSES -Owner Transaction Expenses” and “CHARGES AND DEDUCTIONS” in the Prospectus.
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Ongoing Fees and Expenses (annual charges)
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| | 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. | |
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Annual Fee
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Minimum
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Maximum
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| Base contract (1) | | |
1.46%
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1.46%
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| Investment options (Fund fees and expenses) (2) | | |
0.35%
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2.11%
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Lowest Annual Cost:
$1,810 |
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Highest Annual Cost:
$3,502 |
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| Assumes: | | | Assumes: | |
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•
Investment of $100,000
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5% annual appreciation
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Least expensive combination of Base Contract fee and Fund fees and expenses
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No sales charges
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No additional Purchase Payments, transfers or withdrawals
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•
Investment of $100,000
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5% annual appreciation
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Most expensive combination of Base Contract fee and Fund fees and expenses
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No sales Charges
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No additional Purchase Payments, transfers, or withdrawals
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RISKS
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Risk of Loss
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You can lose money by investing in this Contract, including loss of principal.
For additional information about the risk of loss, see “THE COMPANY, VARIABLE ACCOUNT AND FUNDS” in the Prospectus.
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Not a Short-Term Investment
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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, surrender charges and federal and state income taxes may apply.
Surrender charges may apply for up to six (6) years following your last Purchase Payment. Withdrawals will reduce your Contract Value and death benefit.
The benefits of tax deferral also means the Contract is less beneficial to investors with a short time horizon.
For additional information about the investment profile of the Contract, see “DESCRIPTION OF THE CONTRACT,” “CHARGES AND DEDUCTIONS,” ”FEDERAL TAX MATTERS,” “TAXATION OF ANNUITIES IN GENERAL”and “QUALIFIED RETIREMENT PLANS” in the Prospectus.
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Risks Associated with Investment Options
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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.
Each Investment Option (including the Guaranteed Account) has its own unique risks.
You should review the prospectuses for the available Funds and consult with your financial professional before making an investment decision.
For additional information about the risks associated with Investment Options, see “THE COMPANY, VARIABLE ACCOUNT AND FUNDS” in the Prospectus.
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Insurance Company Risks
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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.
For additional information about Company risks, see “THE COMPANY, VARIABLE ACCOUNT AND FUNDS” in the Prospectus.
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RESTRICTIONS
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Investments
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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.
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.
For additional information about Investment Options, see “CHARGES AND DEDUCTIONS – Transfer Fee” and “THE COMPANY, VARIABLE ACCOUNT AND FUNDS – Selection of Funds” and “THE COMPANY, VARIABLE ACCOUNT AND FUNDS – Addition, Deletion or Substitutions of Investments” in the Prospectus.
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Optional Benefits
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| | There are no optional benefits available for this contract. | |
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TAXES
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Tax Implications
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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.
If you purchase the Contract through a tax-qualified plan or individual retirement account (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.
For additional information about tax implications, see “FEDERAL TAX MATTERS” and “TAXATION OF ANNUITIES IN GENERAL” in the Prospectus.
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CONFLICTS OF INTEREST
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Investment Professional Compensation
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We pay compensation, in the form of commissions, non-cash compensation, and asset-based compensation, to broker-dealers in connection with the promotion and sale of the Contracts. A portion of any payments made to the broker-dealers may be passed on to their registered representatives in accordance with their internal compensation programs. The prospect of receiving, or the receipt of, asset-based compensation may provide broker-dealers and/or their registered representatives with an incentive to recommend continued investment in the Contracts over other variable insurance products (or other investments). You may wish to take such compensation arrangements into account when considering and evaluating any recommendation relating to the Contracts.
For additional information about compensation, see “DISTRIBUTION OF THE CONTRACTS” in the Prospectus.
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Exchanges
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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.
For additional information about exchanges, see “TAXATION OF ANNUITIES IN GENERAL – Exchange of Annuity Contracts” in the Prospectus.
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Asset
Allocation Type |
| | |
Portfolio Company - Investment Adviser;
Sub-Adviser(s), as applicable(2) |
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Net
Annual Expenses – Current Expenses |
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Average Annual Total Returns
(as of 12/31/2023) |
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1 Year
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5 Year
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10 Year
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Allocation
|
| | | Calvert VP SRI Balanced Portfolio - Class I | | | |
0.65%
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| | |
16.82%
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| | |
10.27%
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7.46%
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U.S. Equity
|
| | |
ClearBridge Variable Mid Cap Portfolio - Class II - ClearBridge Investments, LLC
|
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1.08%
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12.62%
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10.46%
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6.83%
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U.S. Equity
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ClearBridge Variable Small Cap Growth Portfolio - Class II - ClearBridge Investments, LLC
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1.05%
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8.12%
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9.29%
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7.62%
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U.S. Equity
|
| | |
Fidelity® VIP Contrafund® Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited;Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd
|
| | |
0.81%
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33.12%
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16.36%
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11.33%
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U.S. Equity
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| | |
Fidelity® VIP Equity-Income Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd
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0.72%
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10.38%
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12.01%
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8.31%
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Allocation
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Fidelity® VIP Freedom Funds - Freedom 2015 Portfolio℠ - Service Class 2
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0.68%
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10.64%
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6.29%
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4.93%
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Allocation
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Fidelity® VIP Freedom Funds - Freedom 2020 Portfolio℠ - Service Class 2
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| | |
0.72%
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12.22%
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7.22%
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5.48%
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U.S. Equity
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Fidelity® VIP Growth Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd
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0.83%
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35.89%
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19.34%
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14.51%
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U.S. Equity
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Fidelity® VIP Index 500 Portfolio - Service Class 2 - Geode Capital Management, LLC
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0.35%
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25.88%
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15.27%
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11.64%
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Taxable Bond
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Fidelity® VIP Investment Grade Bond Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited;Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd
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0.63%
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6.00%
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1.72%
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2.08%
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U.S. Equity
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Fidelity® VIP Mid Cap Portfolio - Service Class 2 - FMR Investment Management (U.K.) Limited;Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (HK) Ltd
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0.82%
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14.80%
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12.17%
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7.85%
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U.S. Equity
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| | |
Franklin DynaTech VIP Fund - Class 2 - Franklin Advisers, Inc.(1)
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0.90%
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43.77%
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13.76%
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10.37%
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Allocation
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Franklin Income VIP Fund - Class 2 - Franklin Advisers, Inc.(1)
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0.71%
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8.62%
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6.98%
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5.01%
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Allocation
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Franklin Mutual Shares VIP Fund - Class 2 - Franklin Mutual Advisers, LLC
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0.93%
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13.46%
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7.82%
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5.43%
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U.S. Equity
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| | |
Franklin Rising Dividends VIP Fund - Class 2 - Franklin Advisers, Inc.(1)
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0.90%
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12.08%
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13.75%
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10.23%
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U.S. Equity
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Franklin Small Cap Value VIP Fund - Class 2 - Franklin Mutual Advisers, LLC(1)
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0.91%
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12.75%
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11.06%
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7.04%
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U.S. Equity
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Franklin Small-Mid Cap Growth VIP Fund - Class 2 - Franklin Advisers, Inc.(1)
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1.08%
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26.74%
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13.51%
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8.96%
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Taxable Bond
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Franklin U.S. Government Securities VIP Fund - Class 2 - Franklin Advisers, Inc.
|
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0.77%
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4.47%
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0.22%
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0.73%
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Asset
Allocation Type |
| | |
Portfolio Company - Investment Adviser;
Sub-Adviser(s), as applicable(2) |
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Net
Annual Expenses – Current Expenses |
| | |
Average Annual Total Returns
(as of 12/31/2023) |
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1 Year
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5 Year
|
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10 Year
|
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International
Equity |
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Goldman Sachs VIT International Equity Insights Fund - Institutional Class(1)
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0.82%
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18.71%
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7.80%
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3.44%
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U.S. Equity
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| | |
Goldman Sachs VIT Large Cap Value Fund - Institutional Class(1)
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0.71%
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13.01%
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11.45%
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7.61%
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U.S. Equity
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| | |
Goldman Sachs VIT Mid Cap Growth Fund - Service Class(1)
|
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0.99%
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18.45%
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13.48%
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9.33%
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U.S. Equity
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| | |
Goldman Sachs VIT Mid Cap Value Fund - Institutional Class(1)
|
| | |
0.84%
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| | |
11.42%
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13.36%
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8.10%
|
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U.S. Equity
|
| | |
Goldman Sachs VIT Small Cap Equity Insights Fund - Institutional Class(1)
|
| | |
0.81%
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19.28%
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10.04%
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7.80%
|
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| |
U.S. Equity
|
| | |
Goldman Sachs VIT Strategic Growth Fund - Institutional Class(1)
|
| | |
0.75%
|
| | |
41.94%
|
| | |
17.32%
|
| | |
13.16%
|
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| |
U.S. Equity
|
| | |
Goldman Sachs VIT U.S. Equity Insights Fund - Institutional Class(1)
|
| | |
0.57%
|
| | |
23.81%
|
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13.60%
|
| | |
10.97%
|
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| |
U.S. Equity
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| | | Invesco® V.I. American Franchise Fund - Series I | | | |
0.86%
|
| | |
40.93%
|
| | |
16.16%
|
| | |
11.70%
|
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| |
U.S. Equity
|
| | | Invesco® V.I. American Value Fund - Series II | | | |
1.14%
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| | |
15.29%
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| | |
12.45%
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| | |
6.98%
|
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Allocation
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Invesco® V.I. Balanced-Risk Allocation Fund - Series II(1)
|
| | |
1.13%
|
| | |
6.40%
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| | |
4.66%
|
| | |
3.79%
|
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U.S. Equity
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| | | Invesco® V.I. Capital Appreciation Fund - Series I(1) | | | |
0.80%
|
| | |
35.37%
|
| | |
16.40%
|
| | |
11.56%
|
| |
| |
U.S. Equity
|
| | | Invesco® V.I. Comstock Fund - Series I | | | |
0.75%
|
| | |
12.36%
|
| | |
13.49%
|
| | |
8.92%
|
| |
| |
U.S. Equity
|
| | |
Invesco® V.I. Discovery Mid Cap Growth Fund - Series I
|
| | |
0.87%
|
| | |
13.15%
|
| | |
12.77%
|
| | |
9.79%
|
| |
| |
U.S. Equity
|
| | |
Invesco® V.I. Discovery Mid Cap Growth Fund - Series II
|
| | |
1.12%
|
| | |
12.85%
|
| | |
12.47%
|
| | |
9.52%
|
| |
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Allocation
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| | | Invesco® V.I. Equity and Income Fund - Series II | | | |
0.82%
|
| | |
10.24%
|
| | |
9.64%
|
| | |
6.78%
|
| |
| |
International
Equity |
| | |
Invesco® V.I. EQV International Equity Fund - Series II
|
| | |
1.15%
|
| | |
17.86%
|
| | |
8.15%
|
| | |
4.07%
|
| |
| |
International
Equity |
| | | Invesco® V.I. Global Fund - Series I | | | |
0.82%
|
| | |
34.73%
|
| | |
12.30%
|
| | |
8.47%
|
| |
| |
Taxable Bond
|
| | |
Invesco® V.I. Global Strategic Income Fund - Series I(1)
|
| | |
0.92%
|
| | |
8.88%
|
| | |
1.30%
|
| | |
1.50%
|
| |
| |
Taxable Bond
|
| | | Invesco® V.I. Government Securities Fund - Series II | | | |
0.94%
|
| | |
4.46%
|
| | |
0.42%
|
| | |
0.90%
|
| |
| |
U.S. Equity
|
| | | Invesco® V.I. Growth and Income Fund - Series I | | | |
0.75%
|
| | |
12.66%
|
| | |
11.77%
|
| | |
8.25%
|
| |
| |
U.S. Equity
|
| | | Invesco® V.I. Main Street Fund® - Series I(1) | | | |
0.80%
|
| | |
23.22%
|
| | |
13.57%
|
| | |
10.02%
|
| |
| |
Money Market
|
| | |
Invesco® V.I. U.S. Government Money Portfolio - Series I
|
| | |
0.63%
|
| | |
4.53%
|
| | |
1.53%
|
| | |
0.94%
|
| |
| |
Taxable Bond
|
| | |
Lord Abbett Series Fund - Bond Debenture Portfolio - Class VC
|
| | |
0.90%
|
| | |
6.34%
|
| | |
3.20%
|
| | |
3.51%
|
| |
| |
U.S. Equity
|
| | |
Lord Abbett Series Fund - Dividend Growth Portfolio - Class VC(1)
|
| | |
0.99%
|
| | |
15.94%
|
| | |
13.20%
|
| | |
10.20%
|
| |
| |
U.S. Equity
|
| | |
Lord Abbett Series Fund - Fundamental Equity Portfolio - Class VC(1)
|
| | |
1.08%
|
| | |
14.33%
|
| | |
9.90%
|
| | |
7.06%
|
| |
| |
U.S. Equity
|
| | |
Lord Abbett Series Fund - Growth and Income Portfolio - Class VC
|
| | |
0.93%
|
| | |
12.95%
|
| | |
10.92%
|
| | |
7.88%
|
| |
| |
U.S. Equity
|
| | |
Lord Abbett Series Fund - Growth Opportunities Portfolio - Class VC
|
| | |
1.16%
|
| | |
10.40%
|
| | |
8.85%
|
| | |
7.20%
|
| |
| |
U.S. Equity
|
| | |
Lord Abbett Series Fund - Mid Cap Stock Portfolio - Class VC
|
| | |
1.15%
|
| | |
14.97%
|
| | |
10.87%
|
| | |
6.57%
|
| |
| |
U.S. Equity
|
| | | MFS® VIT Growth Series - Initial Class(1) | | | |
0.73%
|
| | |
35.86%
|
| | |
15.89%
|
| | |
12.97%
|
| |
| |
U.S. Equity
|
| | |
MFS® VIT II Massachusetts Investors Growth Stock Portfolio - Initial Class(1)
|
| | |
0.73%
|
| | |
24.01%
|
| | |
16.68%
|
| | |
12.71%
|
| |
| |
U.S. Equity
|
| | | MFS® VIT Investors Trust Series - Initial Class(1) | | | |
0.78%
|
| | |
18.98%
|
| | |
13.55%
|
| | |
10.27%
|
| |
| |
U.S. Equity
|
| | | MFS® VIT New Discovery Series - Initial Class(1) | | | |
0.87%
|
| | |
14.41%
|
| | |
11.08%
|
| | |
7.67%
|
| |
| |
U.S. Equity
|
| | | MFS® VIT Research Series - Initial Class(1) | | | |
0.79%
|
| | |
22.42%
|
| | |
14.41%
|
| | |
10.82%
|
| |
| |
Asset
Allocation Type |
| | |
Portfolio Company - Investment Adviser;
Sub-Adviser(s), as applicable(2) |
| | |
Net
Annual Expenses – Current Expenses |
| | |
Average Annual Total Returns
(as of 12/31/2023) |
| | ||||||||
|
1 Year
|
| | |
5 Year
|
| | |
10 Year
|
| | |||||||||||||
| |
Taxable Bond
|
| | |
MFS® VIT Total Return Bond Series - Service Class(1)
|
| | |
0.78%
|
| | |
7.13%
|
| | |
1.58%
|
| | |
1.96%
|
| |
| |
Allocation
|
| | | MFS® VIT Total Return Series - Initial Class(1) | | | |
0.61%
|
| | |
10.44%
|
| | |
8.54%
|
| | |
6.53%
|
| |
| |
Sector Equity
|
| | | MFS® VIT Utilities Series - Initial Class(1) | | | |
0.79%
|
| | |
-2.11%
|
| | |
8.31%
|
| | |
6.39%
|
| |
| |
U.S. Equity
|
| | | MFS® VIT Value Series - Service Class(1) | | | |
0.94%
|
| | |
7.63%
|
| | |
11.07%
|
| | |
8.25%
|
| |
| |
Sector Equity
|
| | |
Morgan Stanley VIF Global Real Estate Portfolio - Class II - Morgan Stanley Investment Management Ltd(1)
|
| | |
1.10%
|
| | |
10.47%
|
| | |
0.30%
|
| | |
1.69%
|
| |
| |
Taxable Bond
|
| | |
PIMCO VIT Long-Term U.S. Government Portfolio - Advisor Class
|
| | |
2.11%
|
| | |
3.88%
|
| | |
-1.40%
|
| | |
1.96%
|
| |
| |
Taxable Bond
|
| | | PIMCO VIT Low Duration Portfolio - Advisor Class | | | |
0.79%
|
| | |
4.87%
|
| | |
0.88%
|
| | |
0.82%
|
| |
| |
Taxable Bond
|
| | | PIMCO VIT Real Return Portfolio - Advisor Class | | | |
0.94%
|
| | |
3.57%
|
| | |
3.05%
|
| | |
2.15%
|
| |
| |
Taxable Bond
|
| | | PIMCO VIT Short-Term Portfolio - Advisor Class | | | |
0.76%
|
| | |
5.80%
|
| | |
2.02%
|
| | |
1.76%
|
| |
| |
Taxable Bond
|
| | | PIMCO VIT Total Return Portfolio - Advisor Class | | | |
0.85%
|
| | |
5.83%
|
| | |
0.98%
|
| | |
1.60%
|
| |
| |
U.S. Equity
|
| | | Royce Capital Micro-Cap Portfolio - Service Class | | | |
1.46%
|
| | |
18.56%
|
| | |
11.84%
|
| | |
5.28%
|
| |
| |
U.S. Equity
|
| | | Royce Capital Small-Cap Portfolio - Service Class | | | |
1.39%
|
| | |
25.53%
|
| | |
9.90%
|
| | |
5.35%
|
| |
| |
International
Equity |
| | |
Templeton Foreign VIP Fund - Class 2 - Templeton Investment Counsel, LLC(1)
|
| | |
1.07%
|
| | |
20.76%
|
| | |
5.27%
|
| | |
1.28%
|
| |
| |
Taxable Bond
|
| | |
Templeton Global Bond VIP Fund - Class 2 - Franklin Advisers, Inc.(1)
|
| | |
0.75%
|
| | |
2.88%
|
| | |
-2.13%
|
| | |
-0.66%
|
| |
| |
International
Equity |
| | |
Templeton Growth VIP Fund - Class 2 - Templeton Global Advisors, Ltd.;Templeton Asset Management Ltd.
(1)
|
| | |
1.12%
|
| | |
21.01%
|
| | |
6.47%
|
| | |
3.24%
|
| |
| |
Sector Equity
|
| | | VanEck® VIP Global Resources Fund - Initial Class | | | |
1.12%
|
| | |
-3.58%
|
| | |
10.61%
|
| | |
-1.01%
|
| |