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

• Effective at the close of business on April 30, 2024, the Allspring VT International Equity Fund was liquidated into the Invesco V.I. Government Money Market Fund.

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

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

• Effective at the close of business on April 30, 2024, the Allspring VT International Equity Fund was liquidated into the Invesco V.I. Government Money Market Fund.

FEES AND EXPENSES

Location in Prospectus

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 5 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your last premium payment, you may be assessed a surrender charge of up to 7% (as a percentage if premium payments withdrawn), declining to 0% over that time period.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. 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.

Fee Tables The Contract - Charges and Fees - The Contingent Deferred Sales Charge

Transaction Charges

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

Fee Tables

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.

Fee Tables The Contract - Charges and Fees

Annual Fee

Minimum

Maximum

Base Contract

1.41%¹

1.41%¹

Investment Options (fund fees and expenses)

0.39%²

1.17%²

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

0.20%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 may 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: $2,121

Highest Annual Cost: $3,935

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

Location in Prospectus

Risk of Loss

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

Fee Tables Fixed Accumulation Feature The Contract - Charges and Fees - The Contingent Deferred Sales Charge Appendix Tax

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 mean the contract is generally more beneficial to investors with a long-time horizon. •A 10% penalty tax may be applied to Surrenders 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

Location in Prospectus

Investment Options

•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.

General Contract Information The Contract - Purchases and Contract Value

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.

The Contract - Principal First and Principal First Preferred

TAXES

Location in Prospectus

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.

Appendix Tax

CONFLICTS OF INTEREST

Location in Prospectus

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.

Other Information - Contract Modification

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.

The Contract - 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

U.S. Equity

Allspring VT Discovery All Cap Growth Fund - Class 1 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

0.75%*

33.50%

13.80%

10.68%

U.S. Equity

Allspring VT Discovery All Cap Growth Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

1.00%*

33.17%

13.54%

10.42%

U.S. Equity

Allspring VT Discovery SMID Cap Growth Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

1.15%*

20.14%

9.90%

7.43%

Allocation

Allspring VT Index Asset Allocation Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

1.00%*

16.70%

9.49%

8.24%

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			Allspring VT Opportunity Fund - Class 1 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC			0.75%*			26.83%			15.03%			10.60%
U.S. Equity			Allspring VT Opportunity Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC			1.00%*			26.50%			14.74%			10.32%
U.S. Equity			Allspring VT Small Cap Growth Fund - Class 1 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC			0.92%			4.35%			7.95%			6.86%
U.S. Equity			Allspring VT Small Cap Growth Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC			1.17%			4.11%			7.68%			6.60%
U.S. Equity			BlackRock S&P 500 Index V.I. Fund - Class III Adviser: BlackRock Advisors, LLC			0.39%			25.90%			15.26%			11.52%
Allocation			Hartford Balanced HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.91%			14.50%			9.99%			7.34%
U.S. Equity			Hartford Capital Appreciation HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.92%			19.70%			13.02%			9.00%
U.S. Equity			Hartford Disciplined Equity HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.84%			20.95%			14.03%			11.56%
U.S. Equity			Hartford Dividend and Growth HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.90%			13.89%			13.44%			10.31%
Sector Equity			Hartford Healthcare HLS Fund - Class IB† Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			1.17%			3.81%			10.61%			9.89%
International Equity			Hartford International Opportunities HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			1.01%			11.45%			8.20%			3.98%
U.S. Equity			Hartford MidCap HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.98%			14.54%			9.42%			8.50%
U.S. Equity			Hartford Small Cap Growth HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.90%			18.14%			9.50%			6.91%
U.S. Equity			Hartford Small Company HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			1.05%			16.46%			11.51%			7.53%
U.S. Equity			Hartford Stock HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.76%			7.45%			13.15%			10.41%
Fixed Income			Hartford Total Return Bond HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.75%			6.69%			1.59%			2.07%
Fixed Income			Hartford Ultrashort Bond HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP			0.69%			4.99%			1.55%			1.02%
Money Market			Invesco V.I. Government Money Market Fund - Series II** Adviser: Invesco Advisers, Inc.			0.61%			4.60%			1.53%			0.93%
Fixed Income			Invesco V.I. Government Securities Fund - Series II Adviser: Invesco Advisers, Inc.			0.94%			4.46%			0.42%			0.90%
Fixed Income			Invesco V.I. High Yield Fund - Series II Adviser: Invesco Advisers, Inc.			1.15%			9.77%			3.76%			2.96%
U.S. Equity			Pioneer Fund VCT Portfolio - Class II Adviser: Amundi Asset Management US, Inc.			1.05%			28.58%			16.45%			11.94%

Portfolio Company and Adviser/Subadviser

AmSouth Variable Annuity Outlook Series II/IIR (TL)

Classic Director Outlook Series II/IIR (TL)

Director Preferred Outlook Series II/IIR (TLA)

Director Select Outlook Series II/IIR (TL/TLA)

First Horizon Director Outlook Series I/IR (TL)

Huntington Director Outlook Series II/IIR (TL)

The BB&T Director Outlook Series II/IIR (TL)

The Director Outlook Series II/IIR (TL/TLA)

Wells Fargo Director Outlook Series II/IIR (TL/TLA)

Allspring VT Discovery All Cap Growth Fund - Class 1 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

X

Allspring VT Discovery All Cap Growth Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

X

Allspring VT Discovery SMID Cap Growth Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

X

Allspring VT Index Asset Allocation Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

X

Allspring VT Opportunity Fund - Class 1 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

X

Allspring VT Opportunity Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

X

Allspring VT Small Cap Growth Fund - Class 1 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

X

Allspring VT Small Cap Growth Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC

X

BlackRock S&P 500 Index V.I. Fund - Class III Adviser: BlackRock Advisors, LLC

X

X

X

X

X

X

X

X

X

Hartford Balanced HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford Capital Appreciation HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford Disciplined Equity HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford Dividend and Growth HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford Healthcare HLS Fund - Class IB† Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford International Opportunities HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford MidCap HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford Small Cap Growth HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford Small Company HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Portfolio Company and Adviser/Subadviser

AmSouth Variable Annuity Outlook Series II/IIR (TL)

Classic Director Outlook Series II/IIR (TL)

Director Preferred Outlook Series II/IIR (TLA)

Director Select Outlook Series II/IIR (TL/TLA)

First Horizon Director Outlook Series I/IR (TL)

Huntington Director Outlook Series II/IIR (TL)

The BB&T Director Outlook Series II/IIR (TL)

The Director Outlook Series II/IIR (TL/TLA)

Wells Fargo Director Outlook Series II/IIR (TL/TLA)

Hartford Stock HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford Total Return Bond HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Hartford Ultrashort Bond HLS Fund - Class IB Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP

X

X

X

X

X

X

X

X

X

Invesco V.I. Government Money Market Fund - Series II** Adviser: Invesco Advisers, Inc.

X

X

X

X

X

X

X

X

X

Invesco V.I. Government Securities Fund - Series II Adviser: Invesco Advisers, Inc.

X

X

X

X

X

X

X

X

X

Invesco V.I. High Yield Fund - Series II Adviser: Invesco Advisers, Inc.

X

X

X

X

X

X

X

X

X

Pioneer Fund VCT Portfolio - Class II Adviser: Amundi Asset Management US, Inc.

X