April 29, 2024

The following is a summary of certain contract features that have changed since May 1, 2023, This does not reflect all of the changes that have occurred since you entered into your contract.

• Effective on or about September 1, 2023, Talcott Resolution’s corporate office address will be 1 American Row, Hartford, CT 06103. This does not change our Administrative Office mailing address.

• Effective in the first or second quarter of 2023, Franklin Advisers, Inc. replaced Franklin Templeton Institutional, LLC as adviser for the Franklin Global Real Estate VIP Fund.

• Effective May 1, 2023, the Allspring VT Omega Growth Fund was renamed Allspring VT Discovery All Cap Growth Fund.

• Effective March 13, 2023, the PSF International Growth Portfolio was liquidated into the AST International Growth Portfolio and the AST International Growth Portfolio was renamed the AST International Equity Portfolio.

FEES AND EXPENSES

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Charges for Early Withdrawals

Your Contract may be subject to surrender charges. Surrender charges may apply to both partial and full Surrenders. •If you withdraw money from your contract within 8 years following your last premium payment, you may be assessed a surrender charge of up to 7% (as a percentage if premium payments withdrawn), declining to 0% over that time period. For example, if you were to withdraw $100,000 during a surrender charge period, you could be assessed a charge of up to $7,000.

4. Fee Table 7. The Contract - c. Charges and Fees - Sales Charges

Transaction Charges

Other than surrender charges (if any), there are no charges for other contract transactions (e.g., transferring money between investment options).

4. Fee Table

Ongoing Fees and Expenses (annual charges)

The table below describes the current fees and expenses of the contract 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 do not reflect any advisory fees paid to financial intermediaries from Contract Value or other assets of the Contract Owner, and that if such charges were reflected, the fees and expenses would be higher.

4. Fee Table 7. The Contract - c. Charges and Fees Appendix A - Funds Available Under the Contract

Annual Fee

Minimum

Maximum

Base Contract (varies by contract class)

1.42%¹

1.42%¹

Investment Options (fund fees and expenses)

0.36%²

1.25%²

Optional benefits available for an additional charge (for a single optional benefit, if elected)

0.15%1

0.75%1

1 As a percentage of average daily Sub-Account Values. 2 As a percentage of fund net assets.

Because your contract is customizable, the choices you make effect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the contract, which could add surrender charges that substantially increase costs.

Lowest Annual Cost: $2,088

Highest Annual Cost: $4,219

Assumes:

Assumes:

•Investment of $100,000

•Investment of $100,000

•5% annual appreciation

•5% annual appreciation

•Least expensive fund fees and expenses

•Most expensive combination of optional benefits and fund fees and expenses

•No sales charges or advisory fees

•No sales charges or advisory fees

•No additional premium payments, transfers or withdrawals

•No additional premium payments, transfers or withdrawals

•No optional benefits

RISKS

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Risk of Loss

You can lose money by investing in this contract, including loss of principal.

5. Principal Risks of Investing in the Contract

Not a Short-Term Investment

•This contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. •Surrender charges may apply to withdrawals. If you take a withdrawal, a surrender charge may reduce the value of your contract or the amount of money that you actually receive. •The benefits of tax deferral, long-term income, and living benefit guarantees are generally more beneficial to investors with a long-time horizon. •A 10% penalty tax may be applied to withdrawals before age 59½.

Risks Associated with 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 (e.g., the Funds). •Each investment option (including the FAF, if available) has its own unique risks. •You should review the investment options before making an investment decision.

Insurance Company Risks

An investment in the contract is subject to the risks related to us. Any obligations (including under the FAF), guarantees or benefits of the contract are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about Talcott Resolution, including our financial strength ratings, is available upon request by visiting the "About Us" tab at www.talcottresolution.com or by calling 1-800-862-6668.

RESTRICTIONS

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Investments

•Certain investment options may not be available under your contract. •You are allowed to make 1 transfer between the fund options per day. You are allowed to make 20 transfers between the fund options per year before we require you to submit additional transfer requests by mail. Your transfer between the fund options are subject to policies designed to deter excessively frequent transfers and market timing. These transfer restrictions do not apply to transfers under the contract's automatic transfer programs. •There are restrictions on the maximum amount that may be transferred annually from the FAF to the fund options. If the FAF is available for investment, you must wait 6 months after your most recent transfer from the FAF before making a subsequent transfer into the FAF. These transfer restrictions may apply to the contract's automatic income programs. •We reserve the right to remove or substitute funds as investment options.

6. General Information 7. The Contract - a. Purchases and Contract Value Appendix A - Funds Available under the Contract Appendix A.1 - Funds Available by Contract

Optional Benefits

•Optional benefits may further limit or restrict the investment options that you may select under the contract. We may impose these restrictions in the future. •Withdrawals may reduce the value of an optional benefit by an amount greater than the value withdrawn or may result in termination of the benefit. •If you receive services for your Contract from a third-party financial intermediary who charges an advisory fee for their services, withdrawals to pay advisory fees will also reduce death benefits and other guaranteed benefits under the Contract and may be subject to federal and state income taxes and a 10% federal penalty tax

7.a. Purchases and Contract Value - Deduction of Advisory Fee 7.c. Charges and Fees 9. Death Benefits 10. Optional Withdrawal Benefit 13. Federal Tax Considerations Appendix A - Funds Available under the Contract

TAXES

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Tax Implications

•Consult with a tax professional to determine the tax implications of an investment in and payments received under the contract. •If you purchased the contract through a tax-qualified plan or IRA, you do not get any additional tax benefit under the contract. •Earnings on your contract are taxed at ordinary income rates when you withdraw them and you may have to pay a penalty if you take a withdrawal before age 59-1/2.

13. Federal Tax Considerations/ Information Regarding Tax-Qualified Plans

CONFLICTS OF INTEREST

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Investment Professional Compensation

Your investment professional may receive compensation for selling this contract to you, in the form of commissions, additional payments, and non-cash compensation. We may share the revenue we earn on this contract with your investment professional's firm. This conflict of interest may influence your investment professional to recommend this contract over another investment for which the investment professional is not compensated or compensated less.

12. Other Information - c. More Information - How Contracts Are Sold

Exchanges

Some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange a contract you already own 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.

7.a. Purchases and Contract Value - Replacement of Annuities

Type			Fund and Adviser/Subadviser			Current Expenses			Average Annual Total Returns (as of 12/31/23)
									1 Year			5 Year			10 Year
Allocation			American Funds Asset Allocation Fund - Class 2 Adviser: Capital Research and Management Company			0.55%			14.27%			9.20%			7.25%
Fixed Income			American Funds Capital World Bond Fund - Class 2 Adviser: Capital Research and Management Company			0.73%			6.14%			(0.33)%			0.36%
International Equity			American Funds Capital World Growth and Income Fund - Class 2 Adviser: Capital Research and Management Company			0.66%*			20.88%			10.34%			7.62%
International Equity			American Funds Global Growth Fund - Class 2 Adviser: Capital Research and Management Company			0.66%*			22.60%			13.65%			9.58%
International Equity			American Funds Global Small Capitalization Fund - Class 2 Adviser: Capital Research and Management Company			0.91%*			16.17%			8.31%			5.78%
U.S. Equity			American Funds Growth Fund - Class 2 Adviser: Capital Research and Management Company			0.59%			38.48%			18.67%			14.35%
U.S. Equity			American Funds Growth-Income Fund - Class 2 Adviser: Capital Research and Management Company			0.53%			26.14%			13.36%			10.91%
International Equity			American Funds International Fund - Class 2 Adviser: Capital Research and Management Company			0.78%			15.84%			4.83%			3.41%
International Equity			American Funds New World Fund - Class 2 Adviser: Capital Research and Management Company			0.82%*			16.00%			8.64%			4.69%
Fixed Income			American Funds The Bond Fund of America - Class 2 Adviser: Capital Research and Management Company			0.48%*			5.02%			1.89%			2.08%
U.S. Equity			American Funds Washington Mutual Investors Fund - Class 2 Adviser: Capital Research and Management Company			0.52%*			17.29%			12.60%			9.91%
U.S. Equity			BlackRock Large Cap Focus Growth V.I. Fund - Class I Adviser: BlackRock Advisors, LLC			0.79%*			52.86%			16.34%			13.66%
U.S. Equity			Franklin DynaTech VIP Fund - Class 2 Adviser: Franklin Advisers, Inc.			0.96%*			43.77%			13.76%			10.37%
Sector Equity			Franklin Global Real Estate VIP Fund - Class 2† Adviser: Franklin Templeton Institutional, LLC			1.25%*			11.43%			3.88%			3.78%
Allocation			Franklin Income VIP Fund - Class 2 Adviser: Franklin Advisers, Inc. Subadviser: Templeton Investment Counsel, LLC			0.71%			8.62%			6.98%			5.01%
U.S. Equity			Franklin Large Cap Growth VIP Fund - Class 2 Adviser: Franklin Advisers, Inc.			1.10%			40.44%			14.87%			11.41%
International Equity			Franklin Mutual Global Discovery VIP Fund - Class 2 Adviser: Franklin Mutual Advisers, LLC Subadviser: Franklin Templeton Investment Management Limited			1.18%			20.31%			10.16%			5.98%
Allocation			Franklin Mutual Shares VIP Fund - Class 2 Adviser: Franklin Mutual Advisers, LLC			0.94%			13.46%			7.82%			5.43%
U.S. Equity			Franklin Rising Dividends VIP Fund - Class 2 Adviser: Franklin Advisory Services, LLC			0.90%*			12.08%			13.75%			10.23%
U.S. Equity			Franklin Small Cap Value VIP Fund - Class 2 Adviser: Franklin Advisory Services, LLC			0.91%*			12.75%			11.06%			7.04%

Type			Fund and Adviser/Subadviser			Current Expenses			Average Annual Total Returns (as of 12/31/23)
									1 Year			5 Year			10 Year
U.S. Equity			Franklin Small-Mid Cap Growth VIP Fund - Class 2 Adviser: Franklin Advisers, Inc.			1.09%*			26.74%			13.51%			8.96%
Fixed Income			Franklin Strategic Income VIP Fund - Class 1 Adviser: Franklin Advisers, Inc.			0.81%*			8.37%			2.23%			2.02%
Fixed Income			Hartford Ultrashort Bond HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.44%			5.18%			1.80%			1.27%
U.S. Equity			Invesco V.I. American Franchise Fund - Series I Adviser: Invesco Advisers, Inc.			0.86%			40.93%			16.16%			11.70%
U.S. Equity			Invesco V.I. American Value Fund - Series I Adviser: Invesco Advisers, Inc.			0.89%			15.60%			12.74%			7.26%
U.S. Equity			Invesco V.I. Core Equity Fund - Series I Adviser: Invesco Advisers, Inc.			0.80%			23.36%			12.95%			7.79%
U.S. Equity			Invesco V.I. Discovery Mid Cap Growth Fund - Series I Adviser: Invesco Advisers, Inc.			0.87%			13.15%			12.77%			9.79%
International Equity			Invesco V.I. EQV International Equity Fund - Series I Adviser: Invesco Advisers, Inc.			0.90%			18.15%			8.42%			4.33%
Money Market			Invesco V.I. Government Money Market Fund - Series I** Adviser: Invesco Advisers, Inc.			0.36%			4.86%			1.69%			1.06%
Fixed Income			Invesco V.I. Government Securities Fund - Series I Adviser: Invesco Advisers, Inc.			0.69%			4.62%			0.67%			1.15%
U.S. Equity			Invesco V.I. Main Street Mid Cap Fund - Series I Adviser: Invesco Advisers, Inc.			0.94%			14.47%			10.61%			6.73%
U.S. Equity			Invesco V.I. Small Cap Equity Fund - Series I Adviser: Invesco Advisers, Inc.			0.95%			16.57%			12.44%			6.55%
U.S. Equity			MFS® Core Equity Portfolio - Initial Class Adviser: Massachusetts Financial Services Company			0.81%*			23.14%			15.08%			11.61%
International Equity			MFS® Global Equity Series - Initial Class Adviser: Massachusetts Financial Services Company			0.92%*			14.18%			10.25%			7.20%
U.S. Equity			MFS® Growth Series - Initial Class Adviser: Massachusetts Financial Services Company			0.73%*			35.86%			15.89%			12.97%
Fixed Income			MFS® High Yield Portfolio - Initial Class Adviser: Massachusetts Financial Services Company			0.72%*			12.41%			4.66%			3.82%
U.S. Equity			MFS® Investors Trust Series - Initial Class Adviser: Massachusetts Financial Services Company			0.78%*			18.98%			13.55%			10.27%
U.S. Equity			MFS® Massachusetts Investors Growth Stock Portfolio - Initial Class Adviser: Massachusetts Financial Services Company			0.73%*			24.01%			16.68%			12.71%
U.S. Equity			MFS® Mid Cap Growth Series - Initial Class Adviser: Massachusetts Financial Services Company			0.80%*			21.32%			13.31%			11.12%
U.S. Equity			MFS® New Discovery Series - Initial Class Adviser: Massachusetts Financial Services Company			0.87%*			14.41%			11.08%			7.67%
International Equity			MFS® Research International Portfolio - Initial Class Adviser: Massachusetts Financial Services Company			0.89%*			13.01%			8.49%			4.15%
U.S. Equity			MFS® Research Series - Initial Class Adviser: Massachusetts Financial Services Company			0.79%*			22.42%			14.41%			10.82%
Fixed Income			MFS® Total Return Bond Series - Initial Class Adviser: Massachusetts Financial Services Company			0.53%*			7.38%			1.85%			2.22%
Allocation			MFS® Total Return Series - Initial Class Adviser: Massachusetts Financial Services Company			0.61%*			10.44%			8.54%			6.53%
U.S. Equity			MFS® Value Series - Initial Class Adviser: Massachusetts Financial Services Company			0.69%*			7.93%			11.34%			8.52%
International Equity			Templeton Developing Markets VIP Fund - Class 1 Adviser: Templeton Asset Management Ltd.			1.12%*			12.77%			4.45%			2.58%
International Equity			Templeton Foreign VIP Fund - Class 2 Adviser: Templeton Investment Counsel, LLC			1.09%*			20.76%			5.27%			1.28%
International Equity			Templeton Growth VIP Fund - Class 2 Adviser: Templeton Global Advisors Limited			1.12%*			21.01%			6.47%			3.24%