| FEES AND EXPENSES | LOCATION IN EXPANDED PROSPECTUS | |||||||||||||||||||||||||
| Charges for Early Withdrawals | 7. CHARGES – Deferred Sales Load (“Surrender Charge”) | |||||||||||||||||||||||||
| For Contracts without the Premium Payment Credit Rider | If You withdraw money from Your Contract within 7 years following Your last Premium Payment, You will be assessed a Surrender Charge. The maximum Surrender Charge is 6% of the amount withdrawn during the first three Contract Years, declining down to 0% over the 7-year time period. For example, if You make an early withdrawal within the first three Contract Years, You could pay a Surrender Charge of up to $6,000 on a $100,000 investment. | |||||||||||||||||||||||||
| For Contracts with the Premium Payment Credit Rider | If You withdraw money from Your Contract within 9 years following Your last Premium Payment, You will be assessed a Surrender Charge. The maximum Surrender Charge is 8% of the amount withdrawn during the first two Contract Years, declining down to 0% over the 9-year time period. For example, if You make an early withdrawal within the first two Contract Years, You could pay a Surrender Charge of up to $8,000 on a $100,000 investment. | |||||||||||||||||||||||||
| FEES AND EXPENSES | LOCATION IN EXPANDED PROSPECTUS | |||||||||||||||||||||||||
| Transaction Charges | In addition to Surrender Charges, You may also be charged for other transactions, such as when You exceed more than 12 unscheduled partial Surrenders in a Contract Year or You make more than one unscheduled Transfer in a Contract Year. | 7. CHARGES – Transaction Fees | ||||||||||||||||||||||||
Ongoing Fees and Expenses (annual charges) | ||||||||||||||||||||||||||
| The following part of the table describes the fees and expenses that You may pay each year, depending on the options You choose. Please refer to Your Data Page for information about the specific fees You will pay each year based on the options You have selected. | ||||||||||||||||||||||||||
| ANNUAL FEE | MINIMUM | MAXIMUM | LOCATION IN EXPANDED PROSPECTUS | |||||||||||||||||||||||
1. Base contract1 | 1.40% | 1.40% | 7. CHARGES – Base Contract Annual Expenses | |||||||||||||||||||||||
2. Investment Options (Underlying Mutual Fund fees and expenses)2 | 0.20% | 2.86% | APPENDIX A in this Updating Summary Prospectus - Investment Options AVAILABLE UNDER THE CONTRACT | |||||||||||||||||||||||
3. Optional benefits available for an additional charge | 0.60% 3 | 1.25% 4 | 7. CHARGES – Optional Benefit Rider Charges | |||||||||||||||||||||||
Lowest and Highest Annual Cost Table Because Your Contract is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Contract, this 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 $1,391 | HIGHEST ANNUAL COST $3,634 | ||||||||||||||||
| Assumes: | Assumes: | ||||||||||||||||
● Investment of $100,000 ● 5% annual appreciation ● Least expensive combination of Base Contract charge and Underlying Mutual Fund fees and expenses ● No optional benefits ● No sales charges ● No additional purchase payments, Transfers or withdrawals | ● Investment of $100,000 ● 5% annual appreciation ● Most expensive combination of Base Contract charge, optional benefits, and Underlying Mutual Fund fees and expenses ● No sales charges ● No additional purchase payments, Transfers or withdrawals | ||||||||||||||||
| RISKS | LOCATION IN EXPANDED PROSPECTUS | ||||||||||||||||
| Risk of Loss | You can lose money by investing in this Contract. | 5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT – Poor Investment Performance | |||||||||||||||
| 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 apply for up to 7 years following Your last Premium Payment (9 years if You have the Premium Payment Credit Rider). These charges will reduce the value of Your Contract if You withdraw money during that time. | 5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT – Liquidity Risk | |||||||||||||||
| 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. • Each investment option (including the DCA Plus and Fixed Accounts) has its own unique risks. • You should review the prospectuses for the available Underlying Mutual Funds before making an investment decision. | 5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT | |||||||||||||||
| Insurance Company Risks | An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the DCA Plus and Fixed Accounts), guarantees, or benefits are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available upon request by calling 1-800-852-4450. | 5. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT – Insurance Company Risks | |||||||||||||||
| RESTRICTIONS | LOCATION IN EXPANDED PROSPECTUS | ||||||||||||||||
| Investments | •Investment Limitations – If You purchased a Guaranteed Minimum Withdrawal Benefit (“GMWB”) rider at the time You purchased Your Contract, the Underlying Mutual Funds available to You as Investment Options under the Contract will be limited. | 10. BENEFITS AVAILABLE UNDER THE CONTRACT - Living Benefit – Guaranteed Minimum Withdrawal Benefit (GMWB) | |||||||||||||||
•Limitations on Transfers – We reserve the right to charge You for each unscheduled Transfer after the first unscheduled Transfer in a Contract Year. We also reserve the right to limit Transfers in circumstances where frequent Transfers have been made. | 8. GENERAL DESCRIPTION OF THE CONTRACT – Frequent Transfers among Divisions | ||||||||||||||||
•Removal or Substitution of Underlying Mutual Funds - We reserve the right to remove, close or substitute the Underlying Mutual Funds that are available as Investment Options under the Contract. | 8. GENERAL DESCRIPTION OF THE CONTRACT – Contract or Registrant Changes | ||||||||||||||||
| Optional Benefits | The following were optional benefits You could have purchased at the time You purchased Your Contract: the Premium Payment Credit Rider; and either the Principal Income Builder 3 (“PIB 3”) or Principal Income Builder 10 (“PIB 10”), both of which are GMWB riders. Having the Premium Payment Credit Rider extends the Surrender Charge period for Your Contract and the value of the credit may be more than offset by the additional charges for the rider. Having a GMWB rider: limits Your underlying Investment Options; restricts Your ability to terminate the rider until the 5th Contract Anniversary; and, if You take excess withdrawals, You will shorten the life of the rider, lower the withdrawal benefit payment(s) and/or cause the rider to terminate for lack of value. | 10. BENEFITS AVAILABLE UNDER THE CONTRACT | |||||||||||||||
| TAXES | LOCATION IN EXPANDED PROSPECTUS | |||||||||||||||||||
| Tax Implications | • You should consult with a tax professional to determine the tax implications of an investment in, withdrawals from and Surrenders of this Contract. • If You purchase the Contract through a tax-Qualified Plan or individual retirement account (IRA), such plan or IRA already provides tax deferral under the Code and there are fees and charges in an annuity that may not be included in such other investments. The tax deferral of the annuity does not provide any additional tax benefits for such a plan or IRA. • Premiums that are made on a pre-tax basis and earnings on Your Contract are taxed at ordinary income tax rates when You withdraw them. You also may have to pay a 10% penalty tax if You take a withdrawal before age 59½. | 13. TAXES | ||||||||||||||||||
| CONFLICTS OF INTEREST | LOCATION IN EXPANDED PROSPECTUS | |||||||||||||||||||
| Financial Professional Compensation | Your financial professional may receive compensation in the form of commissions for selling this Contract to You. Your financial professional may have a financial incentive to offer or recommend this Contract over another investment. | 16. ADDITIONAL INFORMATION ABOUT THE CONTRACT – Payments to Financial Intermediaries | ||||||||||||||||||
| Exchanges | Your financial professional may have a financial incentive to offer You a new contract in place of the one You own. You should only consider exchanging Your Contract if You determine, after comparing the features, fees, and risks of both contracts, that it is in Your best interest to purchase the new contract rather than continuing to own Your existing Contract. | 8. GENERAL DESCRIPTION OF THE CONTRACT – Contract Provisions and Limitations – Exchange Offers | ||||||||||||||||||
| Type | Portfolio Advisor/Sub-advisor | Current Expenses (Net) | Average Annual Total Returns (as of 12/31/24) | ||||||||||||||
| 1 year | 5 year | 10 year | |||||||||||||||
| Moderate Allocation | American Funds Insurance Series – Asset Allocation Fund (1) – Class 2 Shares Capital Research and Management Company | 0.54% | 16.44% | 8.32% | 8.32% | ||||||||||||
| Moderate Allocation | BlackRock 60/40 Target Allocation ETF V.I. Fund (1)(2)(3) – Class III BlackRock Advisors LLC | 0.57% | 11.36% | 6.86% | 6.48% | ||||||||||||
| Global Allocation | BlackRock Global Allocation V.I. Fund (1)(2) – Class III BlackRock Advisors, LLC, sub-advisers are BlackRock (Singapore) Limited and BlackRock International Limited | 1.02% | 9.01% | 5.74% | 5.33% | ||||||||||||
| Tactical Allocation | PIMCO VIT All Asset Portfolio (1)(2) – Administrative Class PIMCO/Research Affiliates | 2.27% | 3.74% | 4.42% | 4.37% | ||||||||||||
| Moderately Conservative Allocation | Principal VCF Diversified Balanced Account (1)(3) – Class 2 Principal Global Investors, LLC | 0.48% | 9.67% | 5.76% | 6.07% | ||||||||||||
| Moderately Conservative Allocation | Principal VCF Diversified Balanced Strategic Allocation Account (1)(3) – Class 2 Principal Global Investors, LLC | 0.55% | 8.83% | 5.29% | 5.68% | ||||||||||||
| Moderate Allocation | Principal VCF Diversified Growth Account (1)(3) – Class 2 Principal Global Investors, LLC | 0.49% | 12.26% | 7.58% | 7.51% | ||||||||||||
| Type | Portfolio Advisor/Sub-advisor | Current Expenses (Net) | Average Annual Total Returns (as of 12/31/24) | ||||||||||||||
| 1 year | 5 year | 10 year | |||||||||||||||
| Moderate Allocation | Principal VCF Diversified Growth Strategic Allocation Account (1)(3) – Class 2 Principal Global Investors, LLC | 0.57% | 11.22% | 7.00% | 7.03% | ||||||||||||
| Moderately Conservative Allocation | Principal VCF Diversified Income Account (1)(3) – Class 2 Principal Global Investors, LLC | 0.48% | 7.11% | 3.91% | 4.59% | ||||||||||||
| Target-Date 2020 | Principal VCF Principal LifeTime 2020 Account (3) – Class 1 Principal Global Investors, LLC | 0.50% | 7.43% | 4.94% | 5.51% | ||||||||||||
| Target-Date 2030 | Principal VCF Principal LifeTime 2030 Account (3) – Class 1 Principal Global Investors, LLC | 0.52% | 9.05% | 6.22% | 6.63% | ||||||||||||
| Target-Date 2040 | Principal VCF Principal LifeTime 2040 Account (3) – Class 1 Principal Global Investors, LLC | 0.58% | 11.55% | 7.66% | 7.69% | ||||||||||||
| Target-Date 2050 | Principal VCF Principal LifeTime 2050 Account (3) – Class 1 Principal Global Investors, LLC | 0.62% | 13.29% | 8.62% | 8.38% | ||||||||||||
| Target-Date Retirement | Principal VCF Principal LifeTime Strategic Income Account (3) – Class 1 Principal Global Investors, LLC | 0.50% | 6.71% | 3.45% | 3.85% | ||||||||||||
| Moderate Allocation | Principal VCF Strategic Asset Management (“SAM”) Portfolios – Balanced Portfolio (3) – Class 1 Principal Global Investors, LLC | 0.70% | 12.62% | 6.75% | 6.79% | ||||||||||||
| Moderately Conservative Allocation | Principal VCF Strategic Asset Management (“SAM”) Portfolios – Conservative Balanced Portfolio (3) – Class 1 Principal Global Investors, LLC | 0.67% | 8.97% | 4.65% | 5.14% | ||||||||||||
| Moderately Aggressive Allocation | Principal VCF Strategic Asset Management (“SAM”) Portfolios – Conservative Growth Portfolio (3) – Class 1 Principal Global Investors, LLC | 0.73% | 15.23% | 8.50% | 8.25% | ||||||||||||
| Conservative Allocation | Principal VCF Strategic Asset Management (“SAM”) Portfolios (3) – Flexible Income Portfolio – Class 1 Principal Global Investors, LLC | 0.65% | 6.69% | 3.06% | 3.98% | ||||||||||||
| Type | Portfolio Advisor/Sub-advisor | Current Expenses (Net) | Average Annual Total Returns (as of 12/31/24) | ||||||||||||||
| 1 year | 5 year | 10 year | |||||||||||||||
| Aggressive Allocation | Principal VCF Strategic Asset Management (“SAM”) Portfolios (3) – Strategic Growth Portfolio – Class 1 Principal Global Investors, LLC | 0.75% | 17.02% | 9.88% | 9.07% | ||||||||||||
| Aggressive Allocation | TOPS® Aggressive Growth ETF Portfolio (1)(3) – Investor Class Shares Milliman Financial Risk Management, LLC through a sub-advisory agreement with ValMark Advisers, Inc. | 0.79% | 11.72% | 7.98% | |||||||||||||
| Moderate Allocation | TOPS® Balanced ETF Portfolio (1)(3) – Investor Class Shares Milliman Financial Risk Management, LLC through a sub-advisory agreement with ValMark Advisers, Inc. | 0.80% | 6.58% | 4.40% | |||||||||||||
| Moderately Conservative Allocation | TOPS® Conservative ETF Portfolio (1)(3) – Investor Class Shares Milliman Financial Risk Management, LLC through a sub-advisory agreement with ValMark Advisers, Inc. | 0.81% | 5.76% | 3.50% | |||||||||||||
| Moderately Aggressive Allocation | TOPS® Growth ETF Portfolio (1)(3) – Investor Class Shares Milliman Financial Risk Management, LLC through a sub-advisory agreement with ValMark Advisers, Inc. | 0.80% | 10.48% | 7.10% | |||||||||||||
| Moderate Allocation | TOPS® Moderate Growth ETF Portfolio (1)(3) – Investor Class Shares Milliman Financial Risk Management, LLC through a sub-advisory agreement with ValMark Advisers, Inc. | 0.79% | 8.48% | 5.79% | |||||||||||||
| Bank Loan | Guggenheim Investments VIF (1)(2) – Series F (Guggenheim Floating Rate Strategies Series) Guggenheim Partners Investment Management, LLC d/b/a Guggenheim Investments | 1.19% | 6.83% | 3.83% | 3.84% | ||||||||||||
| Commodities Broad Basket | Rydex VI Commodities Strategy Fund (2) Security Investors, LLC, which operates under the name of Guggenheim Investments | 1.77% | 8.29% | 6.11% | 0.05% | ||||||||||||
| Convertibles | EQ Advisors Trust 1290 VT Convertible Securities Portfolio (1)(2) – Class IB Equitable Investment Management Group, LLC / SSGA Funds Management, Inc. | 0.90% | 9.76% | 6.75% | 6.94% | ||||||||||||
| Diversified Emerging Markets | American Funds Insurance Series – New World Fund (1)(2) – Class 2 Shares Capital Research and Management Company | 0.82% | 6.55% | 4.54% | 6.22% | ||||||||||||
| Type | Portfolio Advisor/Sub-advisor | Current Expenses (Net) | Average Annual Total Returns (as of 12/31/24) | ||||||||||||||
| 1 year | 5 year | 10 year | |||||||||||||||
| Diversified Emerging Markets | Principal VCF Global Emerging Markets Account – Class 1 Principal Global Investors, LLC | 1.14% | 6.51% | 2.14% | 3.21% | ||||||||||||
| Equity Energy | Fidelity VIP Energy Portfolio – Service Class 2 (1) Fidelity Management & Research Co., LLC | 0.85% | 4.02% | 12.13% | 4.19% | ||||||||||||
| Equity Precious Metals | VanEck VIP Trust – VanEck VIP Global Gold Fund – Class S (1)(2) Van Eck Associates Corporation | 1.45% | 14.41% | 5.46% | 6.69% | ||||||||||||
| Foreign Large Blend | Principal VCF Diversified International Account – Class 1 Principal Global Investors, LLC | 0.85% | 4.71% | 4.64% | 5.06% | ||||||||||||
| Foreign Large Growth | Fidelity VIP Overseas Portfolio (1) – Service Class 2 Fidelity Management & Research Co., LLC | 0.98% | 4.81% | 5.50% | 6.06% | ||||||||||||
| Foreign Large Growth | Invesco V.I. EQV International Equity Fund – Series I Shares Invesco Advisers, Inc. | 0.90% | 0.62% | 3.23% | 4.36% | ||||||||||||
| Foreign Large Blend | MFS® International Intrinsic Value Portfolio (1)(2) – Service Class MFS | 1.14% | 6.97% | 4.88% | 7.26% | ||||||||||||
| Global Bond | Franklin Templeton VIP Trust – Templeton Global Bond VIP Fund (1)(2) – Class 4 Franklin Advisers, Inc | 0.85% | -11.42% | -4.93% | -2.12% | ||||||||||||
| Global Large-Stock Blend | EQ Advisors Trust 1290 VT Smartbeta Equity ESG Portfolio (1) – Class IB Equitable Investment Management Group, LLC/AXA Investment Managers US Inc | 1.10% | 16.44% | 9.63% | 9.42% | ||||||||||||
| Global Large-Stock Growth | Janus Henderson Global Sustainable Equity Portfolio – Service Shares (1)(2) Janus Henderson Investors US LLC | 0.99% | 11.01% | ||||||||||||||
| Global Real Estate | Franklin Templeton VIP Trust – Franklin Global Real Estate VIP Fund (1)(2) – Class 2 Franklin Advisers, Inc. | 1.25% | -0.32% | -0.30% | 2.30% | ||||||||||||
| Global Small/Mid Stock | American Funds Insurance Series – Global Small Capitalization Fund (1)(2) – Class 2 Shares Capital Research and Management Company | 0.90% | 2.33% | 3.01% | 5.81% | ||||||||||||
| Type | Portfolio Advisor/Sub-advisor | Current Expenses (Net) | Average Annual Total Returns (as of 12/31/24) | ||||||||||||||
| 1 year | 5 year | 10 year | |||||||||||||||
| Health | Fidelity VIP Health Care Portfolio – Service Class 2 (1) Fidelity Management & Research Co., LLC | 0.84% | 4.86% | 5.19% | |||||||||||||
| Health | Invesco V.I. Health Care Fund – Series I Shares Invesco Advisers, Inc. | 0.99% | 4.17% | 3.64% | 5.40% | ||||||||||||
| Health | T. Rowe Price Health Sciences Portfolio (1) – II (closed to new investors with an application signature date of 6/1/15 and later) T. Rowe Price Associates, Inc. | 1.10% | 1.42% | 5.81% | 8.20% | ||||||||||||
| High Yield Bond | PIMCO VIT High Yield Portfolio (1) – Administrative Class PIMCO | 0.80% | 6.89% | 3.35% | 4.50% | ||||||||||||
| Inflation-Protected Bond | LVIP American Century Inflation Protection Fund (1)(2) – Service Class Lincoln Financial Investments Corporation sub-advised by American Century Investment Management, Inc. | 0.72% | 1.54% | 1.22% | 1.73% | ||||||||||||
| Intermediate Government | Principal VCF Government & High Quality Bond Account – Class 1 Principal Global Investors, LLC | 0.50% | 0.62% | -1.18% | 0.57% | ||||||||||||
| Intermediate Core-Plus Bond | Janus Henderson Series Flexible Bond Portfolio (1)(2) – Service Shares Janus Henderson Investors US LLC | 0.82% | 1.63% | 0.09% | 1.35% | ||||||||||||
| Intermediate Core-Plus Bond | PIMCO VIT Total Return Portfolio (1) – Administrative Class PIMCO | 0.79% | 2.53% | -0.03% | 1.53% | ||||||||||||
| Intermediate Core-Plus Bond | Principal VCF Core Plus Bond Account – Class 1 Principal Global Investors, LLC | 0.49% | 0.90% | -0.09% | 1.58% | ||||||||||||
| Large Blend | American Funds Insurance Series – Growth-Income Fund (1) – Class 2 Shares Capital Research and Management Company | 0.53% | 24.23% | 13.01% | 12.20% | ||||||||||||
| Large Blend | EQ Advisors Trust 1290 VT Socially Responsible Portfolio (1) – Class IB Equitable Investment Management Group, LLC/BlackRock Investment Management, LLC | 0.90% | 21.70% | 13.57% | 12.09% | ||||||||||||
| Large Blend | Neuberger Berman AMT Sustainable Equity Portfolio – I Class Shares Neuberger Berman Investment Advisers, LLC | 0.89% | 25.84% | 13.97% | 11.44% | ||||||||||||
| Type | Portfolio Advisor/Sub-advisor | Current Expenses (Net) | Average Annual Total Returns (as of 12/31/24) | ||||||||||||||
| 1 year | 5 year | 10 year | |||||||||||||||
| Large Blend | Principal VCF LargeCap S&P 500 Index Account – Class 1 Principal Global Investors, LLC | 0.20% | 24.74% | 14.23% | 12.80% | ||||||||||||
| Large Blend | Principal VCF Principal Capital Appreciation Account – Class 1 Principal Global Investors, LLC | 0.63% | 25.85% | 14.84% | 13.15% | ||||||||||||
| Defined Outcome | Principal VCF U.S. LargeCap S&P 500 Index Buffer April Account – Class 2 (1)(2)(3)(4)(5)(7) Principal Global Investors, LLC | 0.99% | 18.41% | ||||||||||||||
| Defined Outcome | Principal VCF U.S. LargeCap S&P 500 Index Buffer January Account – Class 2 (1)(2)(3)(4)(5)(6) Principal Global Investors, LLC | 1.00% | 18.29% | ||||||||||||||
| Defined Outcome | Principal VCF U.S. LargeCap S&P 500 Index Buffer July Account – Class 2 (1)(2)(3)(4)(5)(8) Principal Global Investors, LLC | 0.99% | 17.89% | ||||||||||||||
| Defined Outcome | Principal VCF U.S. LargeCap S&P 500 Index Buffer October Account – Class 2 (1)(2)(3)(4)(5)(9) Principal Global Investors, LLC | 0.99% | 19.18% | ||||||||||||||
| Large Growth | LVIP American Century Ultra Fund (1)(2) – Service Class Lincoln Financial Investments Corporation sub-advised by American Century Investment Management, Inc. | 0.90% | 28.62% | 18.01% | 16.29% | ||||||||||||
| Large Growth | CVT Nasdaq 100 Index Portfolio – Class F (1)(2) Ameritas Investment Partners, Inc. through a sub-advisory agreement with Calvert Research and Management | 0.73% | 24.89% | 19.29% | 17.64% | ||||||||||||
| Large Growth | Fidelity VIP Contrafund® Portfolio (1) – Service Class 2 Fidelity Management & Research Co., LLC | 0.81% | 33.45% | 16.74% | 13.33% | ||||||||||||
| Large Growth | Fidelity VIP Growth Portfolio (1) – Service Class 2 Fidelity Management & Research Co., LLC | 0.81% | 30.07% | 18.63% | 16.34% | ||||||||||||
| Large Growth | Principal VCF Blue Chip Account (1)(2)(10) - Class 3 Principal Global Investors, LLC | 0.90% | 21.00% | ||||||||||||||
| Type | Portfolio Advisor/Sub-advisor | Current Expenses (Net) | Average Annual Total Returns (as of 12/31/24) | ||||||||||||||
| 1 year | 5 year | 10 year | |||||||||||||||
| Large Growth | Principal VCF LargeCap Growth Account I (2) – Class 1 Principal Global Investors, LLC/Brown Advisory, LLC & TRowe Price Associates, Inc. | 0.67% | 25.14% | 13.93% | 14.63% | ||||||||||||
| Large Growth | T. Rowe Price Blue Chip Growth Portfolio (1) – II T. Rowe Price Associates, Inc. | 0.99% | 35.17% | 14.18% | 14.48% | ||||||||||||
| Large Value | American Funds Insurance Series –Washington Mutual Investors Fund (1)(2) – Class 2 Shares Capital Research and Management Company | 0.50% | 19.14% | 12.18% | 10.26% | ||||||||||||
| Large Value | Fidelity VIP Equity-Income Portfolio (1) – Service Class 2 Fidelity Management & Research Co., LLC | 0.72% | 15.06% | 9.80% | 8.94% | ||||||||||||
| Large Value | MFS® Value Series (1)(2) – Service Class MFS | 0.94% | 11.35% | 7.76% | 8.36% | ||||||||||||
| Large Value | Principal VCF Equity Income Account – Class 1 Principal Global Investors, LLC | 0.48% | 15.50% | 8.43% | 9.48% | ||||||||||||
| Mid-Cap Blend | Fidelity VIP Mid Cap Portfolio (1) – Service Class 2 Fidelity Management & Research C0., LLC | 0.82% | 17.18% | 11.06% | 8.94% | ||||||||||||
| Mid-Cap Blend | Goldman Sachs VIT – Goldman Sachs Mid Cap Value Fund (2) – Institutional Shares Goldman Sachs Asset Management, L.P. | 0.82% | 12.36% | 9.85% | 7.98% | ||||||||||||
| Mid-Cap Growth | Janus Henderson Series Enterprise Portfolio (1) – Service Shares Janus Henderson Investors US LLC | 0.97% | 15.32% | 9.61% | 12.12% | ||||||||||||
| Mid-Cap Growth | Principal VCF MidCap Account – Class 1 Principal Global Investors, LLC | 0.53% | 20.27% | 11.65% | 12.57% | ||||||||||||
| Mid-Cap Value | LVIP American Century Mid Cap Value Fund (1)(2) – Service Class Lincoln Financial Investments Corporation sub-advised by American Century Investment Management, Inc. | 1.01% | 8.52% | 7.13% | 7.87% | ||||||||||||
| Mid-Cap Value | Invesco V.I. American Value Fund – Series I Shares Invesco Advisers, Inc. | 0.89% | 30.41% | 13.69% | 9.12% | ||||||||||||
| Type | Portfolio Advisor/Sub-advisor | Current Expenses (Net) | Average Annual Total Returns (as of 12/31/24) | ||||||||||||||
| 1 year | 5 year | 10 year | |||||||||||||||
| Money Market | Fidelity VIP Government Money Market Portfolio – Initial Class Fidelity Management & Research Co., LLC | 0.25% | 5.10% | 2.33% | 1.62% | ||||||||||||
| Systematic Trend | Guggenheim Investments VIF Global Managed Futures Strategy Fund (2) Security Investors, LLC, which operates under the name of Guggenheim Investments | 2.11% | 0.37% | 3.73% | 0.75% | ||||||||||||
| Multistrategy | Guggenheim Investments VIF Multi-Hedge Strategies Fund (2) Security Investors, LLC, which operates under the name of Guggenheim Investments | 1.82% | -3.66% | 2.43% | 1.68% | ||||||||||||
| Natural Resources | VanEck VIP Trust – VanEck VIP Global Resources Fund (1) – Class S Van Eck Associates Corporation | 1.30% | -3.09% | 7.28% | 0.57% | ||||||||||||
| Real Estate | Principal VCF Real Estate Securities Account – Class 1 Principal Global Investors, LLC sub-advised by Principal Real Estate Investors, LLC | 0.79% | 5.59% | 3.90% | 6.25% | ||||||||||||
| Short Term Bond | Columbia VP – Limited Duration Credit Fund (1)(2) – Class 2 Columbia Management Investment Advisors, LLC | 0.66% | 4.64% | 1.81% | 2.08% | ||||||||||||
| Short Term Bond | PIMCO VIT Low Duration Portfolio (1) – Advisor Class PIMCO | 0.77% | 4.39% | 0.98% | 1.18% | ||||||||||||
| Short Term Bond | Principal VCF Short-Term Income Account – Class 1 Principal Global Investors, LLC | 0.41% | 5.09% | 1.92% | 2.05% | ||||||||||||
| Small Blend | EQ Advisors Trust 1290 VT GAMCO Small Company Value Portfolio (1) – Class IB Equitable Investment Management Group, LLC/GAMCO Asset Management, Inc | 1.05% | 11.59% | 10.58% | 8.80% | ||||||||||||
| Small Blend | Goldman Sachs VIT – Goldman Sachs Small Cap Equity Insights Fund (2) – Institutional Shares Goldman Sachs Asset Management, L.P. | 0.81% | 18.99% | 8.99% | 8.97% | ||||||||||||
| Small Blend | Invesco V.I. Small Cap Equity Fund – Series I Shares Invesco Advisers, Inc. | 0.95% | 18.09% | 10.89% | 8.09% | ||||||||||||
| Small Blend | Principal VCF SmallCap Account – Class 1 Principal Global Investors, LLC | 0.84% | 6.99% | 7.57% | 8.03% | ||||||||||||
| Type | Portfolio Advisor/Sub-advisor | Current Expenses (Net) | Average Annual Total Returns (as of 12/31/24) | ||||||||||||||
| 1 year | 5 year | 10 year | |||||||||||||||
| Small Growth | EQ Advisors Trust 1290 VT Micro Cap Portfolio (1)(2) – Class IB Equitable Investment Management Group, LLC/Lord, Abbett & Co. LLC/BlackRock Investment Management, LLC | 1.15% | 20.06% | 9.77% | |||||||||||||
| Small Growth | MFS® New Discovery Series (1)(2) – Service Class MFS | 1.12% | 6.44% | 4.71% | 8.92% | ||||||||||||
| Small Value | AllianceBernstein VPS Discovery Value Portfolio – Class A AllianceBernstein L.P. | 0.81% | 10.02% | 8.86% | 7.63% | ||||||||||||
| Small Value | Macquarie VIP Small Cap Value Series (1) – Service Class Delaware Management Company sub-advised by Macquarie Investment Management Global Limited | 1.04% | 11.02% | 6.83% | 7.30% | ||||||||||||
| Small Value | DWS Small Mid Cap Value VIP (1)(2) – Class B DWS Investment Management Americas, Inc. | 1.21% | 5.79% | 5.51% | 5.20% | ||||||||||||
| Small Value | Franklin Templeton VIP Trust - Franklin Small Cap Value VIP Fund (1)(2) – Class 2 Franklin Mutual Advisers, LLC | 0.90% | 11.71% | 8.36% | 8.17% | ||||||||||||
| Technology | BNY Mellon IP Technology Growth Portfolio (1) – Service Shares BNY Mellon Investment Adviser, Inc. | 1.15% | 25.39% | 15.29% | 14.79% | ||||||||||||
Utilities | MFS® Utilities Series (1)(2) – Service Class MFS | 1.04% | 11.34% | 5.61% | 6.02% | ||||||||||||