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.

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your last premium payment, you may be assessed a surrender charge of up to 6% (as a percentage if premium payments withdrawn), declining to 0% over that time period.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 $6,000.

4. Fee Table 7.c. The Contingent Deferred Sales Charge (Surrender Charge)

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.c. The Contingent Deferred Sales Charge (Surrender Charge) Appendix A - Funds Available Under the Contract

Annual Fee

Minimum

Maximum

Base Contract

1.42%¹

1.42%¹

Investment Options (fund fees and expenses)

0.47%²

1.09%²

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

0.15%1

0.15%1

1 As a percentage of average daily Contract Value. 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: $2,207

Highest Annual Cost: $3,453

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

Optional Benefits

•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. The Contingent Deferred Sales Charge (Surrender Charge) 9. Death Benefits 12. 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.

12. Federal Tax Considerations/ Information Regarding Tax-Qualified Retirement 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.

11. Other Information - c. More Information - How Contracts Were 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
U.S. Equity			Putnam VT Core Equity Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.70%			28.36%			17.19%			12.23%
Fixed Income			Putnam VT Diversified Income Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.82%*			5.01%			1.21%			1.65%
International Equity			Putnam VT Emerging Markets Equity Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited and The Putnam Advisory Company, LLC			1.09%*			11.63%			4.60%			2.12%
International Equity			Putnam VT Focused International Equity Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited and The Putnam Advisory Company, LLC			0.82%*			19.56%			9.15%			5.93%
Allocation			Putnam VT George Putnam Balanced Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.67%			20.26%			10.71%			8.30%
Allocation			Putnam VT Global Asset Allocation Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited and The Putnam Advisory Company, LLC			0.86%*			17.78%			8.41%			6.61%
Sector Equity			Putnam VT Global Health Care Fund - Class IA† Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited and The Putnam Advisory Company, LLC			0.76%			9.39%			13.75%			10.43%
Money Market			Putnam VT Government Money Market Fund - Class IA** Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.47%			4.69%			1.59%			0.99%
Fixed Income			Putnam VT High Yield Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.75%			12.29%			4.82%			3.87%
Fixed Income			Putnam VT Income Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.64%			4.96%			0.64%			1.69%
International Equity			Putnam VT International Equity Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited and The Putnam Advisory Company, LLC			0.85%			18.86%			9.33%			3.96%
International Equity			Putnam VT International Value Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited and The Putnam Advisory Company, LLC			0.88%			19.08%			9.96%			4.14%

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			Putnam VT Large Cap Growth Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.65%			44.89%			18.80%			14.68%
U.S. Equity			Putnam VT Large Cap Value Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.57%			15.92%			14.78%			10.54%
Fixed Income			Putnam VT Mortgage Securities Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.50%*			5.58%			0.54%			0.88%
U.S. Equity			Putnam VT Research Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited and The Putnam Advisory Company, LLC			0.74%			29.16%			16.45%			12.24%
U.S. Equity			Putnam VT Small Cap Growth Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.89%*			23.46%			15.72%			8.37%
U.S. Equity			Putnam VT Small Cap Value Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.78%			24.13%			14.45%			8.09%
U.S. Equity			Putnam VT Sustainable Future Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.82%*			28.83%			12.56%			8.72%
U.S. Equity			Putnam VT Sustainable Leaders Fund - Class IA Adviser: Putnam Investment Management, LLC Subadviser: Putnam Investments Limited			0.65%			26.42%			16.38%			12.87%